Commerce Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Commerce Bancshares has total assets of $31.5B and total equity of $3.5B. Total deposits are $25.2B, and total loans are $16.9B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $3.8B.
Key information
9.1x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$25.24b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$3.77b |
Recent financial health updates
No updates
Recent updates
Commerce Bancshares: Too Rich For My Blood
Dec 01Commerce Bancshares (NASDAQ:CBSH) Is Due To Pay A Dividend Of $0.27
Oct 31
Commerce Bancshares: Quality Isn't Coming Cheap
Sep 13Commerce Bancshares (NASDAQ:CBSH) Is Due To Pay A Dividend Of $0.27
Aug 01Commerce Bancshares: An Exceptional Bank That Deserves More Attention
Jul 02Commerce Bancshares (NASDAQ:CBSH) Will Pay A Dividend Of $0.27
May 29Commerce Bancshares (NASDAQ:CBSH) Will Pay A Dividend Of $0.27
Apr 22Commerce Bancshares: A Great Business But Not A Buy Yet
Apr 04Commerce Bancshares' (NASDAQ:CBSH) Dividend Will Be $0.27
Feb 27Commerce Bancshares (NASDAQ:CBSH) Will Pay A Dividend Of $0.27
Feb 08Commerce Bancshares: Deterioration Continues
Jan 12Commerce Bancshares GAAP EPS of $1.02 misses by $0.01, revenue of $384.89M beats by $1.31M
Oct 18Commerce Bancshares: Topline Outlook Is Rosy But Stock Appears Overvalued
Aug 12Commerce Bancshares declares $0.265 dividend
Aug 05Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CBSH's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: CBSH has a sufficient allowance for bad loans (873%).
Low Risk Liabilities: 90% of CBSH's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBSH has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: CBSH's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: CBSH has an appropriate level of bad loans (0.1%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/22 23:11 |
| End of Day Share Price | 2025/01/22 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Commerce Bancshares, Inc. is covered by 23 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Matthew Keating | Barclays |
| Brandon Berman | BofA Global Research |
| null null | D.A. Davidson & Co. |