Commerce Bancshares, Inc. (CBSH)

Nasdaq: CBSH · State Commercial Banks · Kansas City, MO · filing with the SEC since 1995

Grade6.7

◀ Past 6.7● Present 7.0▶ Future 6.3

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 24, 2026	Feb 25, 2025	Feb 22, 2024	Feb 22, 2023	Feb 23, 2022	Feb 24, 2021	Feb 25, 2020	Feb 21, 2019	Feb 22, 2018	Feb 23, 2017
For lenders
Interest and dividend income	1,483,723	1,469,557	1,381,291	998,979	848,290	872,648	924,685	889,201	777,407	713,052
Interest expense on deposits and borrowings	371,865	429,311	383,162	56,794	·	·	·	·	·	·
Net interest income	1,111,858	1,040,246	998,129	942,185	835,424	829,847	821,293	823,825	733,679	680,049
Provision for credit losses	56,138	32,903	35,451	28,071	-52,223	116,049	50,438	42,694	45,244	36,318
Net interest income after provision	1,055,720	1,007,343	962,678	914,114	901,750	692,657	770,855	781,131	688,435	643,731
Noninterest income	652,281	615,553	573,045	546,535	560,393	505,867	524,703	501,341	461,263^r	446,556^r
Noninterest expense	979,826	951,229	930,982	848,777	805,901	768,378	767,398	737,821	744,343^r	689,229^r
Total costs and expenses	0	2,926	3,791	2,775	2,609	·	·	·	·	·
Interest expense	·	·	383,162	56,794	12,866	42,801	103,392	65,376	43,728	33,003
Income before income taxes	731,835	679,490	619,726	632,378	686,301	441,178	531,786	544,163	430,406	401,005
Income tax expense	161,136	145,089	134,549	132,358	145,711	87,293	109,074	105,949	110,506	124,151
Net income including non-controlling interests	570,699	534,401	485,177	500,020	540,590	353,885	422,712	438,214	319,900	276,854
Net income to non-controlling interests	4,448	8,070	8,117	11,621	9,825	-172	1,481	4,672	517	1,463
Net income	566,251	526,331	477,060	488,399	530,765	354,057	421,231	433,542	319,383	275,391
Preferred dividends	·	·	·	0	0	11,966	9,000	9,000	9,000	9,000
Net income to common shareholders	·	·	·	488,399	530,765	342,091	412,231	424,542	310,383	266,391
Earnings per share, basic	4.04	3.69^r	3.30^r	3.50^r	3.92^r	2.64^r	3.25^r	3.44^r	2.63^r	2.38^r
Earnings per share, diluted	4.04	3.69^r	3.30^r	3.50^r	3.91^r	2.64^r	3.25^r	3.43^r	2.62^r	2.37^r

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses
us-gaap:ProvisionForLoanLossesExpensed

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Total costs and expenses every operating cost, the cost of revenue includedus-gaap:OperatingCostsAndExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income to non-controlling interests the share that belongs to minority holdersus-gaap:NetIncomeLossAttributableToNoncontrollingInterest

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

SI Assistanton CBSH · research, not advice