Commerce Bancshares is Underpriced
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 03 2025
0mins
Should l Buy CBSH?
Source: NASDAQ.COM
Oversold Status: Commerce Bancshares Inc (CBSH) shares have entered oversold territory with an RSI reading of 29.0, indicating potential buying opportunities for investors as the stock price fell to $51.68.
Dividend Yield: CBSH's recent annualized dividend of $1.1 per share translates to an annual yield of 2.09% based on the current share price of $52.63, making it attractive for dividend investors.
Investor Sentiment: The low RSI suggests that heavy selling may be exhausting, prompting bullish investors to consider entry points for purchasing CBSH shares.
Dividend History Importance: Investors are encouraged to review CBSH's dividend history to assess the likelihood of continued dividend payments, as dividends can be unpredictable.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy CBSH?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on CBSH
Wall Street analysts forecast CBSH stock price to rise
6 Analyst Rating
0 Buy
6 Hold
0 Sell
Hold
Current: 49.600
Low
55.00
Averages
61.83
High
71.00
Current: 49.600
Low
55.00
Averages
61.83
High
71.00
About CBSH
Commerce Bancshares, Inc. is a regional bank holding company offering banking, payment solutions, wealth management and securities brokerage through its subsidiaries. The Company’s subsidiary, Commerce Bank (the Bank), operates full-service banking facilities across the Midwest, including the St. Louis and Kansas City metropolitan areas, Springfield, Central Missouri, Central Illinois, Wichita, Tulsa, Oklahoma City, and Denver. It also maintains commercial offices in Dallas, Houston, Cincinnati, Nashville, Des Moines, Indianapolis, and Grand Rapids and wealth offices in Dallas, Houston, Naples, Arizona and South Carolina. Its segments include Commercial, Consumer, and Wealth. The Commercial segment provides corporate lending, leasing, and international services, along with business and governmental deposit products and commercial cash management services. The Consumer segment consists of various consumer loan and deposit products offered through its retail branch networks.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Waterford Advisors Establishes New Position in Commerce Bancshares
- New Investment Disclosure: On February 19, 2026, Waterford Advisors, LLC disclosed a new position in Commerce Bancshares by acquiring 44,863 shares in the fourth quarter, with an estimated trade value of $2.58 million, reflecting confidence in the bank's prospects.
- Position Proportion Analysis: This investment represents 1.0% of Waterford Advisors' 13F reportable assets under management as of December 31, 2025, indicating a strategic allocation within its diversified portfolio.
- Stock Performance: As of February 25, 2026, shares of Commerce Bancshares were priced at $53.32, down 15% over the past year and underperforming the S&P 500 by 27 percentage points, which may affect investor sentiment.
- Capital Adequacy Advantage: Commerce Bancshares reported a Tier 1 common risk-based capital ratio of 17.46%, ranking second among the top 50 U.S. banks, demonstrating its ability to withstand economic volatility and attracting investors seeking stable returns.
See More
Commerce Bancshares Declares Quarterly Dividend Increase
- Dividend Increase: Commerce Bancshares announced a quarterly dividend of $0.275 per share, reflecting a 5% increase from the previous $0.262, marking the 58th consecutive year of dividend growth, which underscores the company's strong profitability and commitment to shareholders.
- Dividend Payment Date: The dividend is set to be paid on March 24, 2026, to shareholders of record as of March 6, 2026, ensuring timely returns for investors and bolstering investor confidence.
- Asset Scale: As of December 31, 2025, Commerce Bancshares reported total assets of $32.9 billion, and as a regional bank holding company, its robust asset base supports ongoing dividend payments.
- Acquisition Expansion: The company completed its acquisition of FineMark Holdings, Inc. on January 1, 2026, enhancing its private banking and wealth management presence in Florida while adding wealth offices in Arizona and South Carolina, demonstrating its strategic intent to expand market reach.
See More
Commerce Bancshares Declares Quarterly Dividend Increase
- Dividend Increase: Commerce Bancshares announced an increase in its quarterly dividend from $0.262 to $0.275 per share, representing a 5% rise and marking the 58th consecutive year of dividend growth, reflecting the company's strong profitability and commitment to shareholders.
- Dividend Payment Date: The dividend is set to be paid on March 24, 2026, to shareholders of record as of March 6, 2026, ensuring timely returns for investors and enhancing their confidence in the company's financial stability.
- Asset Size: With $32.9 billion in assets, Commerce Bancshares operates as a regional bank holding company, offering a comprehensive range of banking, payment solutions, and wealth management services, showcasing its robust position in the financial services sector.
- Business Expansion: The acquisition of FineMark Holdings, Inc. enhances Commerce's private banking and wealth management presence in Florida while adding wealth offices in Arizona and South Carolina, further expanding its market reach and service capabilities.
See More
Commerce Bancshares (CBSH) Reports Q4 Net Income of $140.66 Million, Exceeding Expectations
- Net Income Growth: Commerce Bancshares reported a net income of $140.66 million for Q4, translating to $1.01 per share, an increase from $136.11 million and $0.96 per share in the prior year, indicating sustained profitability improvements.
- Interest Income Rise: Net interest income grew to $283.15 million from $266.65 million last year, reflecting enhanced profitability in an improving interest rate environment, which further solidifies the company's market position.
- Total Revenue Increase: Total revenue for the quarter reached $449.36 million, up from $422.08 million year-over-year and exceeding the consensus estimate of $442.62 million, demonstrating the company's success in revenue diversification.
- Credit Loss Provision: The provision for credit losses was $15.99 million, compared to $13.51 million in the same period last year, indicating the company's cautious approach towards potential credit risks aimed at maintaining financial stability.
See More
Commerce Bancshares Q4 EPS Beats Expectations with 6.5% Revenue Growth
- Earnings Performance: Commerce Bancshares reported a Q4 GAAP EPS of $1.01, beating expectations by $0.02, indicating stable profitability despite cautious market sentiment regarding future growth.
- Revenue Growth: The company achieved Q4 revenue of $449.36 million, reflecting a 6.5% year-over-year increase and surpassing market expectations by $6.74 million, demonstrating positive progress in revenue diversification.
- Net Interest Income: Net interest income reached $283.2 million, a $3.7 million increase from the prior quarter, although the net yield on interest-earning assets decreased to 3.60%, highlighting the impact of the interest rate environment on revenue.
- Return Metrics: The return on average assets for Q4 was 1.73%, with a return on average equity of 14.70% and an efficiency ratio of 56.2%, indicating effective resource allocation and cost control within the company.
See More
Commerce Bancshares (CBSH) to Announce Q4 Earnings on January 22 with EPS Estimate of $1.00
- Earnings Announcement Schedule: Commerce Bancshares is set to announce its Q4 earnings on January 22 before market open, with a consensus EPS estimate of $1.00, reflecting a 1.0% year-over-year decline that may impact investor sentiment.
- Revenue Expectations: The anticipated revenue for Q4 is $442.62 million, representing a 4.9% year-over-year increase, indicating the company's resilience in revenue growth despite economic challenges.
- Performance Beat Record: Over the past year, Commerce Bancshares has beaten EPS estimates 75% of the time and revenue estimates 100% of the time, demonstrating stability in profitability and market confidence.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen 2 upward revisions and 5 downward revisions, while revenue estimates have experienced 1 upward revision and 3 downward revisions, reflecting analysts' mixed and cautious outlook on the company's future performance.
See More
Waterford Advisors Establishes New Position in Commerce Bancshares
- New Investment Disclosure: On February 19, 2026, Waterford Advisors, LLC disclosed a new position in Commerce Bancshares by acquiring 44,863 shares in the fourth quarter, with an estimated trade value of $2.58 million, reflecting confidence in the bank's prospects.
- Position Proportion Analysis: This investment represents 1.0% of Waterford Advisors' 13F reportable assets under management as of December 31, 2025, indicating a strategic allocation within its diversified portfolio.
- Stock Performance: As of February 25, 2026, shares of Commerce Bancshares were priced at $53.32, down 15% over the past year and underperforming the S&P 500 by 27 percentage points, which may affect investor sentiment.
- Capital Adequacy Advantage: Commerce Bancshares reported a Tier 1 common risk-based capital ratio of 17.46%, ranking second among the top 50 U.S. banks, demonstrating its ability to withstand economic volatility and attracting investors seeking stable returns.
See More
Commerce Bancshares Declares Quarterly Dividend Increase
- Dividend Increase: Commerce Bancshares announced a quarterly dividend of $0.275 per share, reflecting a 5% increase from the previous $0.262, marking the 58th consecutive year of dividend growth, which underscores the company's strong profitability and commitment to shareholders.
- Dividend Payment Date: The dividend is set to be paid on March 24, 2026, to shareholders of record as of March 6, 2026, ensuring timely returns for investors and bolstering investor confidence.
- Asset Scale: As of December 31, 2025, Commerce Bancshares reported total assets of $32.9 billion, and as a regional bank holding company, its robust asset base supports ongoing dividend payments.
- Acquisition Expansion: The company completed its acquisition of FineMark Holdings, Inc. on January 1, 2026, enhancing its private banking and wealth management presence in Florida while adding wealth offices in Arizona and South Carolina, demonstrating its strategic intent to expand market reach.
See More
Commerce Bancshares Declares Quarterly Dividend Increase
- Dividend Increase: Commerce Bancshares announced an increase in its quarterly dividend from $0.262 to $0.275 per share, representing a 5% rise and marking the 58th consecutive year of dividend growth, reflecting the company's strong profitability and commitment to shareholders.
- Dividend Payment Date: The dividend is set to be paid on March 24, 2026, to shareholders of record as of March 6, 2026, ensuring timely returns for investors and enhancing their confidence in the company's financial stability.
- Asset Size: With $32.9 billion in assets, Commerce Bancshares operates as a regional bank holding company, offering a comprehensive range of banking, payment solutions, and wealth management services, showcasing its robust position in the financial services sector.
- Business Expansion: The acquisition of FineMark Holdings, Inc. enhances Commerce's private banking and wealth management presence in Florida while adding wealth offices in Arizona and South Carolina, further expanding its market reach and service capabilities.
See More
Commerce Bancshares (CBSH) Reports Q4 Net Income of $140.66 Million, Exceeding Expectations
- Net Income Growth: Commerce Bancshares reported a net income of $140.66 million for Q4, translating to $1.01 per share, an increase from $136.11 million and $0.96 per share in the prior year, indicating sustained profitability improvements.
- Interest Income Rise: Net interest income grew to $283.15 million from $266.65 million last year, reflecting enhanced profitability in an improving interest rate environment, which further solidifies the company's market position.
- Total Revenue Increase: Total revenue for the quarter reached $449.36 million, up from $422.08 million year-over-year and exceeding the consensus estimate of $442.62 million, demonstrating the company's success in revenue diversification.
- Credit Loss Provision: The provision for credit losses was $15.99 million, compared to $13.51 million in the same period last year, indicating the company's cautious approach towards potential credit risks aimed at maintaining financial stability.
See More
Commerce Bancshares Q4 EPS Beats Expectations with 6.5% Revenue Growth
- Earnings Performance: Commerce Bancshares reported a Q4 GAAP EPS of $1.01, beating expectations by $0.02, indicating stable profitability despite cautious market sentiment regarding future growth.
- Revenue Growth: The company achieved Q4 revenue of $449.36 million, reflecting a 6.5% year-over-year increase and surpassing market expectations by $6.74 million, demonstrating positive progress in revenue diversification.
- Net Interest Income: Net interest income reached $283.2 million, a $3.7 million increase from the prior quarter, although the net yield on interest-earning assets decreased to 3.60%, highlighting the impact of the interest rate environment on revenue.
- Return Metrics: The return on average assets for Q4 was 1.73%, with a return on average equity of 14.70% and an efficiency ratio of 56.2%, indicating effective resource allocation and cost control within the company.
See More
Commerce Bancshares (CBSH) to Announce Q4 Earnings on January 22 with EPS Estimate of $1.00
- Earnings Announcement Schedule: Commerce Bancshares is set to announce its Q4 earnings on January 22 before market open, with a consensus EPS estimate of $1.00, reflecting a 1.0% year-over-year decline that may impact investor sentiment.
- Revenue Expectations: The anticipated revenue for Q4 is $442.62 million, representing a 4.9% year-over-year increase, indicating the company's resilience in revenue growth despite economic challenges.
- Performance Beat Record: Over the past year, Commerce Bancshares has beaten EPS estimates 75% of the time and revenue estimates 100% of the time, demonstrating stability in profitability and market confidence.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen 2 upward revisions and 5 downward revisions, while revenue estimates have experienced 1 upward revision and 3 downward revisions, reflecting analysts' mixed and cautious outlook on the company's future performance.
See More
