Shares of Commerce Bancshares, Bank of Hawaii, SouthState, and PennyMac Mortgage Investment Trust Surge: Key Information You Should Know
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 21 2025
0mins
Source: Yahoo Finance
Market Reaction to Fed Comments: Stocks surged after New York Fed President John Williams hinted at potential interest rate cuts, increasing the likelihood of a December rate reduction from 39% to over 73%.
Stock Performance Highlights: Regional banks like Commerce Bancshares, Bank of Hawaii, and SouthState saw notable gains of around 2.7% to 2.8% following the Fed's comments, indicating positive market sentiment.
Commerce Bancshares Financials: Despite a recent stock rally, Commerce Bancshares reported disappointing third-quarter earnings, missing revenue and earnings estimates, and is down 12% year-to-date.
Emerging Investment Opportunities: The article suggests that current market conditions may present buying opportunities for high-quality stocks, particularly in the AI semiconductor sector, which is gaining attention.
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Analyst Views on CBSH
Wall Street analysts forecast CBSH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CBSH is 61.01 USD with a low forecast of 55.00 USD and a high forecast of 67.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Analyst Rating
0 Buy
7 Hold
0 Sell
Hold
Current: 52.870
Low
55.00
Averages
61.01
High
67.00
Current: 52.870
Low
55.00
Averages
61.01
High
67.00
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.
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.
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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.
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