Commerce Bancshares Net Income
| CBSH Stock | USD 53.01 0.59 1.10% |
As of the 17th of February 2026, Commerce Bancshares shows the Mean Deviation of 0.9695, risk adjusted performance of 0.0505, and Downside Deviation of 1.24. Commerce Bancshares technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Commerce Bancshares Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.9943 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 614.6 M | 645.3 M | |
| Net Income Applicable To Common Shares | 561.7 M | 300.8 M | |
| Net Income From Continuing Ops | 614.6 M | 406.9 M | |
| Net Income Per Share | 4.08 | 4.28 | |
| Net Income Per E B T | 0.77 | 0.56 |
Commerce | Net Income | Build AI portfolio with Commerce Stock |
The Net Income trend for Commerce Bancshares offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Commerce Bancshares is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Commerce Bancshares' Net Income Growth Pattern
Below is the plot of the Net Income of Commerce Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Commerce Bancshares financial statement analysis. It represents the amount of money remaining after all of Commerce Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Commerce Bancshares' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Commerce Bancshares' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 534.4 M | 10 Years Trend |
|
Net Income |
| Timeline |
Commerce Net Income Regression Statistics
| Arithmetic Mean | 372,764,150 | |
| Geometric Mean | 327,960,881 | |
| Coefficient Of Variation | 39.75 | |
| Mean Deviation | 124,238,747 | |
| Median | 354,057,000 | |
| Standard Deviation | 148,165,996 | |
| Sample Variance | 21953.2T | |
| Range | 556.7M | |
| R-Value | 0.94 | |
| Mean Square Error | 2875.9T | |
| R-Squared | 0.88 | |
| Slope | 27,480,481 | |
| Total Sum of Squares | 351250.6T |
Commerce Net Income History
Other Fundumenentals of Commerce Bancshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Commerce Bancshares Net Income component correlations
Commerce Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Commerce Bancshares is extremely important. It helps to project a fair market value of Commerce Stock properly, considering its historical fundamentals such as Net Income. Since Commerce Bancshares' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Commerce Bancshares' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Commerce Bancshares' interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Commerce introduce new products? Factors like these will boost the valuation of Commerce Bancshares. Projected growth potential of Commerce fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Commerce Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.06 | Dividend Share 1.1 | Earnings Share 4.04 | Revenue Per Share | Quarterly Revenue Growth 0.065 |
Investors evaluate Commerce Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Commerce Bancshares' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Commerce Bancshares' market price to deviate significantly from intrinsic value.
It's important to distinguish between Commerce Bancshares' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Commerce Bancshares should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Commerce Bancshares' market price signifies the transaction level at which participants voluntarily complete trades.
Commerce Bancshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Commerce Bancshares' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Commerce Bancshares.
| 11/19/2025 |
| 02/17/2026 |
If you would invest 0.00 in Commerce Bancshares on November 19, 2025 and sell it all today you would earn a total of 0.00 from holding Commerce Bancshares or generate 0.0% return on investment in Commerce Bancshares over 90 days. Commerce Bancshares is related to or competes with BOK Financial, Pinnacle Financial, Valley National, CullenFrost Bankers, Prosperity Bancshares, UMB Financial, and Popular. Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking,... More
Commerce Bancshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Commerce Bancshares' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Commerce Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.24 | |||
| Information Ratio | 0.0181 | |||
| Maximum Drawdown | 5.74 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.4 |
Commerce Bancshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Commerce Bancshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Commerce Bancshares' standard deviation. In reality, there are many statistical measures that can use Commerce Bancshares historical prices to predict the future Commerce Bancshares' volatility.| Risk Adjusted Performance | 0.0505 | |||
| Jensen Alpha | 0.057 | |||
| Total Risk Alpha | (0) | |||
| Sortino Ratio | 0.019 | |||
| Treynor Ratio | 0.2952 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Commerce Bancshares' price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Commerce Bancshares February 17, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0505 | |||
| Market Risk Adjusted Performance | 0.3052 | |||
| Mean Deviation | 0.9695 | |||
| Semi Deviation | 1.19 | |||
| Downside Deviation | 1.24 | |||
| Coefficient Of Variation | 1706.66 | |||
| Standard Deviation | 1.31 | |||
| Variance | 1.71 | |||
| Information Ratio | 0.0181 | |||
| Jensen Alpha | 0.057 | |||
| Total Risk Alpha | (0) | |||
| Sortino Ratio | 0.019 | |||
| Treynor Ratio | 0.2952 | |||
| Maximum Drawdown | 5.74 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.4 | |||
| Downside Variance | 1.54 | |||
| Semi Variance | 1.41 | |||
| Expected Short fall | (1.08) | |||
| Skewness | 0.0206 | |||
| Kurtosis | 1.29 |
Commerce Bancshares Backtested Returns
Commerce Bancshares is very steady at the moment. Commerce Bancshares secures Sharpe Ratio (or Efficiency) of 0.0898, which signifies that the company had a 0.0898 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Commerce Bancshares, which you can use to evaluate the volatility of the firm. Please confirm Commerce Bancshares' Risk Adjusted Performance of 0.0505, downside deviation of 1.24, and Mean Deviation of 0.9695 to double-check if the risk estimate we provide is consistent with the expected return of 0.11%. Commerce Bancshares has a performance score of 7 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.23, which signifies not very significant fluctuations relative to the market. As returns on the market increase, Commerce Bancshares' returns are expected to increase less than the market. However, during the bear market, the loss of holding Commerce Bancshares is expected to be smaller as well. Commerce Bancshares right now shows a risk of 1.23%. Please confirm Commerce Bancshares total risk alpha, expected short fall, price action indicator, as well as the relationship between the value at risk and daily balance of power , to decide if Commerce Bancshares will be following its price patterns.
Auto-correlation | -0.17 |
Insignificant reverse predictability
Commerce Bancshares has insignificant reverse predictability. Overlapping area represents the amount of predictability between Commerce Bancshares time series from 19th of November 2025 to 3rd of January 2026 and 3rd of January 2026 to 17th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Commerce Bancshares price movement. The serial correlation of -0.17 indicates that over 17.0% of current Commerce Bancshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.17 | |
| Spearman Rank Test | -0.02 | |
| Residual Average | 0.0 | |
| Price Variance | 0.7 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Commerce Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, Commerce Bancshares reported net income of 534.4 M. This is 58.17% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 6.41% higher than that of the company.
Commerce Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Commerce Bancshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Commerce Bancshares could also be used in its relative valuation, which is a method of valuing Commerce Bancshares by comparing valuation metrics of similar companies.Commerce Bancshares is currently under evaluation in net income category among its peers.
Commerce Bancshares ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Commerce Bancshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Commerce Bancshares' managers, analysts, and investors.Environmental | Governance | Social |
Commerce Bancshares Institutional Holders
Institutional Holdings refers to the ownership stake in Commerce Bancshares that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Commerce Bancshares' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Commerce Bancshares' value.| Shares | Jpmorgan Chase & Co | 2025-06-30 | 1.5 M | Btim Corp | 2025-06-30 | 1.5 M | Norges Bank | 2025-06-30 | 1.4 M | First Trust Advisors L.p. | 2025-06-30 | 1.4 M | Bank Of America Corp | 2025-06-30 | 1.3 M | Northern Trust Corp | 2025-06-30 | 1.2 M | Ubs Group Ag | 2025-06-30 | 1.2 M | Bank Of New York Mellon Corp | 2025-06-30 | 1 M | Charles Schwab Investment Management Inc | 2025-06-30 | 1 M | Vanguard Group Inc | 2025-06-30 | 13.4 M | Blackrock Inc | 2025-06-30 | 11.5 M |
Commerce Fundamentals
| Return On Equity | 0.16 | ||||
| Return On Asset | 0.0176 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.43 % | ||||
| Current Valuation | 5.96 B | ||||
| Shares Outstanding | 147.36 M | ||||
| Shares Owned By Insiders | 2.40 % | ||||
| Shares Owned By Institutions | 71.83 % | ||||
| Number Of Shares Shorted | 4.03 M | ||||
| Price To Earning | 20.35 X | ||||
| Price To Book | 2.08 X | ||||
| Price To Sales | 4.61 X | ||||
| Revenue | 2.14 B | ||||
| Gross Profit | 1.71 B | ||||
| EBITDA | 731.84 M | ||||
| Net Income | 534.4 M | ||||
| Cash And Equivalents | 2.32 B | ||||
| Cash Per Share | 19.40 X | ||||
| Total Debt | 3 B | ||||
| Debt To Equity | 0.04 % | ||||
| Book Value Per Share | 27.58 X | ||||
| Cash Flow From Operations | 577.86 M | ||||
| Short Ratio | 3.26 X | ||||
| Earnings Per Share | 4.04 X | ||||
| Price To Earnings To Growth | 3.58 X | ||||
| Target Price | 62.0 | ||||
| Number Of Employees | 4.67 K | ||||
| Beta | 0.6 | ||||
| Market Capitalization | 7.9 B | ||||
| Total Asset | 32.92 B | ||||
| Retained Earnings | 131.83 M | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 1.53 % | ||||
| Net Asset | 32.92 B | ||||
| Last Dividend Paid | 1.1 |
About Commerce Bancshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Commerce Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Commerce Bancshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Commerce Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Currently Active Assets on Macroaxis
| FSLY | Fastly Class A | |
| MOB | Mobilicom Limited American | |
| CMG | Chipotle Mexican Grill | |
| CSAN | Cosan SA ADR | |
| RKT | Rocket Companies |
Check out For more detail on how to invest in Commerce Stock please use our How to Invest in Commerce Bancshares guide.You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.
Is there potential for Regional Banks market expansion? Will Commerce introduce new products? Factors like these will boost the valuation of Commerce Bancshares. Projected growth potential of Commerce fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Commerce Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.06 | Dividend Share 1.1 | Earnings Share 4.04 | Revenue Per Share | Quarterly Revenue Growth 0.065 |
Investors evaluate Commerce Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Commerce Bancshares' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Commerce Bancshares' market price to deviate significantly from intrinsic value.
It's important to distinguish between Commerce Bancshares' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Commerce Bancshares should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Commerce Bancshares' market price signifies the transaction level at which participants voluntarily complete trades.