Commerce Bancshares Stock Net Income
| CBSH Stock | USD 53.21 1.22 2.24% |
As of the 25th of January, Commerce Bancshares shows the Downside Deviation of 1.21, mean deviation of 0.9266, and Risk Adjusted Performance of 0.0421. 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 |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.9618 | 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 | 3.52 | 3.70 | |
| Net Income Per E B T | 0.70 | 0.56 |
Commerce | Net Income | Build AI portfolio with Commerce Stock |
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 |
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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 Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Commerce Bancshares. If investors know Commerce will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. 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 0.04 | Dividend Share 1.031 | Earnings Share 4.04 | Revenue Per Share | Quarterly Revenue Growth 0.03 |
The market value of Commerce Bancshares is measured differently than its book value, which is the value of Commerce that is recorded on the company's balance sheet. Investors also form their own opinion of Commerce Bancshares' value that differs from its market value or its book value, called intrinsic value, which is Commerce Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Commerce Bancshares' market value can be influenced by many factors that don't directly affect Commerce Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Commerce Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Commerce Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Commerce Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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.
| 10/27/2025 |
| 01/25/2026 |
If you would invest 0.00 in Commerce Bancshares on October 27, 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 Cadence Bancorp, BOK Financial, Pinnacle Financial, Valley National, CullenFrost Bankers, Prosperity Bancshares, and UMB Financial. 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 | 1.21 | |||
| Information Ratio | (0.01) | |||
| Maximum Drawdown | 6.3 | |||
| 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 | 0.0421 | |||
| Jensen Alpha | 0.0099 | |||
| Total Risk Alpha | (0.06) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | 0.0827 |
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 January 25, 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 | 0.0421 | |||
| Market Risk Adjusted Performance | 0.0927 | |||
| Mean Deviation | 0.9266 | |||
| Semi Deviation | 1.14 | |||
| Downside Deviation | 1.21 | |||
| Coefficient Of Variation | 1939.47 | |||
| Standard Deviation | 1.3 | |||
| Variance | 1.69 | |||
| Information Ratio | (0.01) | |||
| Jensen Alpha | 0.0099 | |||
| Total Risk Alpha | (0.06) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | 0.0827 | |||
| Maximum Drawdown | 6.3 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.4 | |||
| Downside Variance | 1.46 | |||
| Semi Variance | 1.3 | |||
| Expected Short fall | (1.05) | |||
| Skewness | 0.0766 | |||
| Kurtosis | 1.52 |
Commerce Bancshares Backtested Returns
Commerce Bancshares is very steady at the moment. Commerce Bancshares secures Sharpe Ratio (or Efficiency) of 0.0747, which signifies that the company had a 0.0747 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Commerce Bancshares, which you can use to evaluate the volatility of the firm. Please confirm Commerce Bancshares' Risk Adjusted Performance of 0.0421, downside deviation of 1.21, and Mean Deviation of 0.9266 to double-check if the risk estimate we provide is consistent with the expected return of 0.0995%. Commerce Bancshares has a performance score of 5 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.69, which signifies possible diversification benefits within a given portfolio. 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 1.33%. Please confirm Commerce Bancshares total risk alpha, expected short fall, market facilitation index, 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 | 0.18 |
Very weak predictability
Commerce Bancshares has very weak predictability. Overlapping area represents the amount of predictability between Commerce Bancshares time series from 27th of October 2025 to 11th of December 2025 and 11th of December 2025 to 25th of January 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 0.18 indicates that over 18.0% of current Commerce Bancshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.18 | |
| Spearman Rank Test | 0.24 | |
| Residual Average | 0.0 | |
| Price Variance | 0.49 |
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 |
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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 purchase 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 | 0.0177 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.44 % | ||||
| Current Valuation | 6 B | ||||
| Shares Outstanding | 147.36 M | ||||
| Shares Owned By Insiders | 2.50 % | ||||
| Shares Owned By Institutions | 72.03 % | ||||
| Number Of Shares Shorted | 5.44 M | ||||
| Price To Earning | 20.35 X | ||||
| Price To Book | 2.07 X | ||||
| Price To Sales | 4.65 X | ||||
| Revenue | 1.76 B | ||||
| Gross Profit | 1.68 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 | 26.95 X | ||||
| Cash Flow From Operations | 577.86 M | ||||
| Short Ratio | 5.08 X | ||||
| Earnings Per Share | 4.04 X | ||||
| Price To Earnings To Growth | 3.58 X | ||||
| Target Price | 61.88 | ||||
| Number Of Employees | 4.67 K | ||||
| Beta | 0.6 | ||||
| Market Capitalization | 7.84 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 | 1.03 |
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
When determining whether Commerce Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Commerce Bancshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Commerce Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Commerce Bancshares Stock:Check out Commerce Bancshares Piotroski F Score and Commerce Bancshares Altman Z Score analysis. 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 ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Commerce Bancshares. If investors know Commerce will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. 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 0.04 | Dividend Share 1.031 | Earnings Share 4.04 | Revenue Per Share | Quarterly Revenue Growth 0.03 |
The market value of Commerce Bancshares is measured differently than its book value, which is the value of Commerce that is recorded on the company's balance sheet. Investors also form their own opinion of Commerce Bancshares' value that differs from its market value or its book value, called intrinsic value, which is Commerce Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Commerce Bancshares' market value can be influenced by many factors that don't directly affect Commerce Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Commerce Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Commerce Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Commerce Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.