CB
CBSH.O
—
NASDAQ
Banks
Cbsh.O
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
8,7B USD
P/E
—
EV / Rev
—
Div yield
2,11 %
Op margin
—
ROE
14,9 %
Net margin
50,9 %
Debt / equity
0,79
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$58,27
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
CBSH.O operates as a bank, providing financial services to customers and generating revenue primarily through interest income and fee-based services.
Business. CBSH.O is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed under the ticker CBSH.O. Specific details regarding its operating segments, headquarters location, and primary exchange listing are not provided in the available data.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
HOLD8 analysts
1 buy7 hold0 sell
Avg 12m price target58,56
Analyst recommendations
8 analysts · consensus HoldBuy1
Hold7
Sell0
12-month price target
58,56
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Hold
8 analysts · indicative
Ownership→
American Century Investment Management, Inc.
largest disclosed fund holder
Profitability→
14,9 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to CBSH.O. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
CBSH.O is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed under the ticker CBSH.O. Specific details regarding its operating segments, headquarters location, and primary exchange listing are not provided in the available data.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
AI synthesis
GENERATEDCBSH.O has a market capitalization of $7.72 billion and a price-to-earnings ratio of 13.63, which is in line with the industry median for banks. The company's liquidity position is characterized as medium, with a negative net cash position after subtracting total debt. The price-to-book ratio of 2.04 suggests that the company is trading at a premium to its book value, which is consistent with the industry norm.
The company's profitability is reflected in a return on equity of 14.94% and a return on assets of 1.72%. These figures indicate that the company is generating a solid return for its shareholders, although the return on assets is relatively low compared to the industry median. The net income of $566.25 million and revenue of $1.11 billion suggest a healthy profit margin, which is a positive sign for the company's financial health.
CBSH.O's revenue is concentrated in the banking sector, with no disclosed segment or geographic breakdown. The company's exposure to the banking industry is significant, and its performance is closely tied to the overall health of the financial sector. The lack of segment data makes it difficult to assess the company's diversification and potential vulnerabilities to sector-specific risks.
The company's growth trajectory is expected to be moderate, with no significant changes in revenue or earnings projected for the next fiscal year. The capital expenditure of -$52.75 million indicates a reduction in investment, which may be a strategic move to conserve cash or a sign of reduced expansion plans. The company's free cash flow of $424.22 million provides flexibility for dividends, debt reduction, or further investment.
The risk assessment for CBSH.O highlights a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio of 0.79 suggests a relatively conservative capital structure, which is favorable for long-term stability. The absence of significant dilution risk is a positive factor for shareholders, as it indicates that the company is not likely to issue additional shares in the near term.
Recent events and filings do not indicate any material changes in the company's operations or financial position. The company's stock is currently trading below the mean price target of $58.56, with a median price target of $57.75. The analyst recommendations are mixed, with a mean recommendation of 2.88, indicating a cautious outlook. The lack of strong buy ratings suggests that analysts are not overly optimistic about the company's near-term prospects.
Key takeaways
- CBSH.O is a bank with a market capitalization of $7.72 billion and a price-to-earnings ratio of 13.63.
- The company's return on equity of 14.94% is strong, but its return on assets of 1.72% is relatively low.
- The company's liquidity position is medium, with a negative net cash position after subtracting total debt.
- Analysts have a cautious outlook on the company, with a mean recommendation of 2.88 and a mean price target of $58.56.
- The company's capital structure is relatively conservative, with a debt-to-equity ratio of 0.79.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Valuation
Market price
$59,67
Market cap
$7.72B
Enterprise valueⓘ
$10.72B
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
16.6x
P / Bⓘ
2.0x
P / Tangible bookⓘ
2.0x
Tangible book
$3.79B
Net cashⓘ
-$3.00B
Current ratioⓘ
—
Debt / equityⓘ
0.8
ROAⓘ
1.7%
ROEⓘ
14.9%
Cash conversionⓘ
114.0%
CapEx / revenueⓘ
-4.7%
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Corporate & Investment Banking—
low · business_description · 2026-07-03
Mortgage & Home Lending—
low · business_description · 2026-07-03
Retail Banking—
low · business_description · 2026-07-03
Wealth Management—
low · business_description · 2026-07-03
Business relationships
Business relationships16 disclosed relationships · 1 type · extracted from filings & disclosures
Subsidiaries16
EX21:20e78018115eEX21:20e78018115eSubsidiarie97%
EX21:427cf984bbbdEX21:427cf984bbbdSubsidiarie97%
EX21:453ba030d078EX21:453ba030d078Subsidiarie97%
EX21:58bdc5b1b6bfEX21:58bdc5b1b6bfSubsidiarie97%
EX21:5cf879c3757dEX21:5cf879c3757dSubsidiarie97%
EX21:5e1777b8dba0EX21:5e1777b8dba0Subsidiarie97%
EX21:63d283e55344EX21:63d283e55344Subsidiarie97%
EX21:68080ebf89baEX21:68080ebf89baSubsidiarie97%
EX21:ac967eff98d0EX21:ac967eff98d0Subsidiarie97%
EX21:b79dcea6f81fEX21:b79dcea6f81fSubsidiarie97%
EX21:c542faa5d16aEX21:c542faa5d16aSubsidiarie97%
EX21:cd9d08776d5eEX21:cd9d08776d5eSubsidiarie97%
EX21:d4051bbb1bcbEX21:d4051bbb1bcbSubsidiarie97%
EX21:e86025a2a736EX21:e86025a2a736Subsidiarie97%
EX21:e867882c95ddEX21:e867882c95ddSubsidiarie97%
EX21:e9e7f49250f7EX21:e9e7f49250f7Subsidiarie97%
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
4,09
Predicted surprise
-0,01
Beat probability
45 %
Analysts
8
Other metrics
Revenue
—
no estimate
Segment revenue
—
no estimate
Margin
—
no estimate
Segment margin
—
no estimate
as of 2026-07-12 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 4,09 |
| Revenue | —no estimate | —no estimate | 2,0B USD |
| Operating income | —no estimate | —no estimate | 841,1M USD |
Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Corporate eventM&A horizon
M&A probabilityconf 3 %
Probability
3 %
Base rate
3 %
Band
—
180-day horizon · target 2027-01-23 · 1,0× base rate
No acquirer candidates identified by the signal model.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution8 analysts
Strong buy0
Buy1
Hold7
Sell0
Strong sell0
12-month price target$58,56 · Median $57,75
Low $53,00High $69,00
Operating income · consensus841,1M USD
EPS surprise
−1,9 %
reported vs consensus · miss
Revenue surprise
−9,9 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$53,00
Mean$58,56
Median$57,75
High$69,00
Spot$59,67
−1.9 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Net Margin50,9 %Above median
ROE14,9 %Above P75
Capex / Rev-4,7 %Below median
D/E0,79Below median
Cash Conv1,14Above median
Corporate actions / M&A
M&A probabilityconf —
Probability
3 %
Base rate
3 %
Band
Low
180-day horizon · target 2027-01-23 · 1,0× base rate
No acquirer candidates identified by the signal model.
Corporate actionsNo corporate-action source connected yet — splits, dividends and buyback events are not tracked for this company. Honest-dim (no data fabricated).
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
Source documents
- CBSH.O Market data — financials · 2026-05-27
- Commerce Bancshares Inc Market data — analyst estimates · 2026-05-27
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,16 %$306M
- Institutional Investor · as of 2022-09-300,14 %$0M
- Investment Managers · as of 2026-03-310,09 %$128M
- Investment Managers · as of 2026-03-310,04 %$91M
- Investment Managers · as of 2026-03-310,04 %$194M
- Investment Managers · as of 2026-03-310,04 %$62M
- Brokerage Firms · as of 2026-03-310,02 %$102M
- Investment Managers · as of 2026-03-310,02 %$30M
- Investment Managers · as of 2024-06-300,01 %$605M
- Investment Managers · as of 2026-03-310,01 %$348M
- Investment Managers · as of 2026-03-310,01 %$64M
- Investment Managers · as of 2025-12-310,01 %$769M
- Investment Managers · as of 2026-03-310,01 %$146M
- Institutional Investor · as of 2026-03-310,01 %$49M
- Investment Managers · as of 2026-03-310,01 %$59M
- Investment Managers · as of 2026-03-310,01 %$15M
- Investment Managers · as of 2026-03-310,01 %$61M
- Investment Managers · as of 2026-03-310,01 %$113M
- Investment Managers · as of 2026-03-310,01 %$11M
- Investment Managers · as of 2024-12-310,01 %$20M
- Investment Managers · as of 2026-03-310,01 %$16M
- Investment Managers · as of 2026-03-310,00 %$37M
- Institutional Investor · as of 2026-03-310,00 %$20M
- Investment Managers · as of 2026-03-310,00 %$13M
- Funds · as of 2026-03-310,00 %$18M
- Brokerage Firms · as of 2026-03-310,00 %$7M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2026-03-310,00 %$4M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$0M
Leadership
- David L. RollerSenior Vice President
- David W. KemperExecutive Chairman of the Board
- Derrick R. BrooksSenior Vice President
- Douglas D. NeffSenior Vice President
- Jeffrey M. BurikSenior Vice President
- John K. HandyExecutive Vice President
- John W. KemperPresident, Chief Executive Officer, Director
- Kevin G. BarthExecutive Vice President
- Kim L. JakovichSenior Vice President
- Patricia R. KellerhalsSenior Vice President
- Paula S. PetersenExecutive Vice President
- Richard W. HeiseSenior Vice President
- Robert S. HolmesExecutive Vice President
- Thomas J NoackSenior Vice President
Insider activity
Net buying1 buys · 3 sellsnet $15K17 insiders · last 365d
- Director, Executive Chairman · Common StockOther 131 @ $55,29$7K · 2026-06-23
- Executive Vice President · Common StockOther 120 @ $55,29$7K · 2026-06-23
- Director · Common StockSold 200 @ $55,03$11K · 2026-06-16
- Director · Common StockOther 646 @ $52,22$34K · 2026-05-29
- Director · Common StockOther 790 @ $52,22$41K · 2026-05-29
- Director · Common StockOther 646 @ $52,22$34K · 2026-05-29
- Director · Common StockOther 646 @ $52,22$34K · 2026-05-29
- Director · Common StockOther 718 @ $52,22$37K · 2026-05-29
- Director · Common StockOther 886 @ $52,22$46K · 2026-05-29
- Director · Common StockOther 646 @ $52,22$34K · 2026-05-29
- Director · Common StockOther 718 @ $52,22$37K · 2026-05-29
- Director · Common StockOther 718 @ $52,22$37K · 2026-05-29
- Director, Executive Chairman · Common StockOther 150 @ $48,09$7K · 2026-03-24
- Executive Vice President · Common StockOther 137 @ $48,09$7K · 2026-03-24
- Director · Common StockBought 2 500 @ $47,71$119K · 2026-03-13
- Senior Vice President · Common StockOther 250 · 2026-03-10
- Senior Vice President · Common StockSold 949 @ $51,45$49K · 2026-03-05
- Senior Vice President · Common StockSold 861 @ $51,69$45K · 2026-03-05
- Senior Vice President · Common StockOther 176 @ $52,25$9K · 2026-03-04
- Senior Vice President · Common StockOther 181 @ $52,25$9K · 2026-03-04
- Senior Vice President · Common StockOther 301 @ $51,61$16K · 2026-03-03
- Senior Vice President · Common StockOther 701 @ $51,61$36K · 2026-03-03
- Controller · Common StockOther 203 @ $51,61$10K · 2026-03-03
- Senior Vice President · Common StockOther 322 @ $51,61$17K · 2026-03-03
- Controller · Common StockOther 2 415 · 2026-03-02
Short positioning
6.8Mshares short-0.3% vs prior
5.98days to cover
46.7%short of daily vol
45fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
CBSH.OCanonical
NASDAQ · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Relationship graph
This companyPeerSectorSubsidiaries
Evidence & claims
From filings & derived data- Total assets (YoY) (2025-12-31 vs 2024-12-31): 2.9%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 14.5%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 1.5%Derived (calculated)
- Return on equity (FY 2025-12-31): 14.9%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.7%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 7.68xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): 14.3%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 9.5%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 9.5%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 7.6%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 11.6%Derived (calculated)
- Capex (annual): USD 52.75MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 4SEC XBRL filing
- Total assets (annual): USD 32.92BSEC XBRL filing
- Operating cash flow (annual): USD 645.14MSEC XBRL filing
- Net income (annual): USD 566.25MSEC XBRL filing
- Pre-tax income (annual): USD 731.84MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 4SEC XBRL filing
- Shareholders' equity (annual): USD 3.79BSEC XBRL filing
- Total liabilities (annual): USD 29.1BSEC XBRL filing
- Return on equity (FY 2024-12-31): 15.9%Derived (calculated)
- Return on assets (FY 2024-12-31): 1.6%Derived (calculated)
- Debt-to-equity (FY 2024-12-31): 8.66xDerived (calculated)
- Capex (annual): USD 46.13MSEC XBRL filing
Showing 24 of 30 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-16 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-07-16EVENTQ2 2026 earnings (expected) estimated date
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: ma_probability (180d)
2026-06-28 03:14 UTCHOLDERInstitutional holding changed
2026-06-28 03:14 UTCHOLDER1 institutional position change flagged (1 major)
2026-06-24 03:12 UTCHOLDERInstitutional holding changed
2026-06-24 03:12 UTCHOLDER1 institutional position change flagged (1 major)
2026-06-23 00:00 UTCINSIDER3 insider transactions — 2026-06
2026-06-23INSIDERKEMPER DAVID W transacted 131 sh — Director, Executive Chairman ~$7k
2026-06-23INSIDERBARTH KEVIN G transacted 120 sh — Executive Vice President ~$7k
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
2026-06-16INSIDERFOWLER JUNE MCALLISTER sold 200 sh — Director ~$11k
2026-05-29 00:00 UTCINSIDER9 insider transactions — 2026-05 · net buy $335k
2026-05-29INSIDERTAYLOR CHRISTINE B transacted 646 sh — Director ~$34k
2026-05-29INSIDERSchnuck Todd R transacted 790 sh — Director ~$41k
2026-05-29INSIDERMACIA ALAINA G transacted 646 sh — Director ~$34k
2026-05-29INSIDERFOWLER JUNE MCALLISTER transacted 646 sh — Director ~$34k
2026-05-29INSIDERDUNN TIMOTHY S transacted 718 sh — Director ~$37k
2026-05-29INSIDERDaniel Karen L transacted 886 sh — Director ~$46k
2026-05-29INSIDERCHAPMAN WILLIAM KYLE transacted 646 sh — Director ~$34k
2026-05-29INSIDERBRAUER BLACKFORD F transacted 718 sh — Director ~$37k
2026-05-29INSIDERBASSHAM TERRY D transacted 718 sh — Director ~$37k
2026-03-24 00:00 UTCINSIDER13 insider transactions — 2026-03 · $324k gross
2026-03-24INSIDERKEMPER DAVID W transacted 150 sh — Director, Executive Chairman ~$7k
2026-03-24INSIDERBARTH KEVIN G transacted 137 sh — Executive Vice President ~$7k
Showing the 40 most recent of 57 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
Premium coverage