Commerce Bancshares Inc /mo/

Commerce Bancshares maintains a capital structure supported by total equity of $4.30 billion against total assets of $35.72 billion. The balance sheet shows total liabilities of $31.39 billion. The debt-to-equity ratio is reported as 0.0, indicating a capital structure heavily reliant on equity and deposit liabilities rather than traditional interest-bearing debt instruments in the reported metric. Liquidity risk is assessed as unknown due to the absence of specific balance-sheet inputs for current ratio analysis in the provided data. Operating cash flow stands at $684.80 million, while free cash flow is $678.42 million, reflecting minimal capital expenditure of $6.37 million.

Profitability metrics show a return on equity (ROE) of 3.29% and a return on assets (ROA) of 0.40% for the latest period. Net income for Q1 2026 is reported at $141.62 million. Revenue is reported as 0.0 in the financial snapshot, which may indicate a data reporting anomaly or specific accounting treatment for the period, preventing a direct gross margin analysis. Without cohort median data provided in the input, a direct comparison to sector peers for ROE and ROA is omitted, though the positive net income confirms operational profitability.

Commerce Bancshares Inc (CBSH) is undergoing its first formal analysis, establishing a baseline for future performance tracking without prior comparative data. The company’s current profile includes 14 officers, coverage by 7 analysts, and a shareholder base comprising 33 top holders, though it holds no index memberships. This initial snapshot provides the foundational context for evaluating subsequent market movements and corporate developments. A significant holder activity signal was detected involving investor ID 587, marked with major severity. On June 28, 2026, this investor’s position was recorded as increasing to 224,872 shares, valued at approximately $11.06 million, representing a portfolio weight of roughly 0.0064%. This substantial accumulation suggests a notable shift in institutional interest or portfolio rebalancing during the period ending March 31, 2026. However, a conflicting signal emerged just days earlier on June 24, 2026, where the same investor’s position was reported as decreasing to 241 shares, valued at roughly $0.01 million. This discrepancy between the two major severity signals—showing a massive increase in one instance and a near-total liquidation in another for the same reporting period—highlights potential data volatility or reporting adjustments that require careful interpretation. Given the absence of cross-source signals or prior material changes, these holder fluctuations stand out as the primary dynamic in CBSH’s recent data profile. Investors and analysts should monitor these holder changes closely, as they may indicate underlying shifts in sentiment or administrative corrections, while relying on the established company fundamentals of its officer and analyst coverage for broader context.

Net income grew at a 5.0% CAGR from FY2023 to FY2025, demonstrating consistent profitability expansion over the period.

Free cash flow reached $592.4 million in FY2025, reflecting strong cash generation capabilities for the bank.

Analysts project 11.9% upside to a mean price target of $58.56, indicating positive market sentiment.

Cash conversion of 4.84 is best-in-class compared to the bank cohort median of 1.13.

Total assets grew at a 0.5% CAGR over five years, showing stable balance sheet maintenance.

Net income declined 7.0% year-over-year in FY2025, signaling a recent deterioration in profitability trends.

The company faces medium dilution risk, which could negatively impact per-share value for existing investors.

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