Commerce Bancshares, Inc. (CBSH)

From the record

Commerce Bancshares, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Commerce Bancshares, Inc.'s 10 filed years say what it did: revenue went from $713 million in fiscal 2016 to $1.5 billion in fiscal 2025, up 8.5% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Commerce Bancshares, Inc. earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets (the filed statements).

From the record

Commerce Bancshares, Inc.'s standing among 155 graded names in its industry family: revenue of $1.5 billion in fiscal 2025 ranks in the top 14% by size; a net margin of 38.2% ranks in the top 4%; revenue growth of 14.1% a year over the last 3 filed years ranks in the bottom 28% (its annual reports).

From the record

Commerce Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Kemper, John W (President and CEO, as filed), filing under that title since 2018-12-19, 7.9 years (top 49% of its family); the 28 officers and directors filing in the last fifteen months have been on the record a median of 7.7 years (top 46%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 28 people in charge now (bottom 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Commerce Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $3.5 billion against no long-term debt tagged leaves 10.8% of its assets as net cash, top 9% of its family; cash from operations less capital spending is 39.9% of revenue (top 9%) (its annual report).

From the record

Commerce Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 14.1% a year over the last three filed years against 8.5% over all 10, speeding up (top 33% of its family); the newest year grew 1% (bottom 26%); capital spending grew -6.8% a year (bottom 33%) (its annual reports). Commerce Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Commerce Bancshares, Inc.'s newest year against its own record: revenue of $1.5 billion in fiscal 2025 came in 16.7% below the $1.8 billion its prior three years' pace pointed to (bottom 44% of its family); net income of $566 million against a prior three-year average of $497 million (top 48%); a net margin of 38.2% against 39.7% before (top 31%) (its annual reports).