Commerce Bancshares logo
Commerce Bancshares CBSH
$ 58.75 0.86%
report update icon

Quarterly report 2026-Q2
added 08-05-2026

Commerce Bancshares Financial Ratios 2025-2007 | CBSH

Brief overview of Commerce Bancshares's multiples and efficiency

Current figures are compared with the company's own five-year history for 2015–2019.

The latest available valuation ratios are P/E 18.78x (median 18.78x), P/B 2.52x (median 2.43x), P/CF 16.82x (median 16.42x). Ratios sit near their own comparison base, with an average deviation of +2.4% from five-year medians.

Earnings yield calculated as 1/P/E is about 5.3%, showing current profit per unit of share price.

The latest available business-quality ratios are ROE 14.9%, ROA 1.7%. Return ratios are at workable levels. The business generates positive returns, though efficiency is not exceptional.

Current PEG is 0.44x; the market pays comparatively little per unit of expected growth.

Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.

What the ratios show

Commerce Bancshares's valuation and business quality look relatively balanced, with no pronounced distortion in either direction.

Annual Financial Ratios Commerce Bancshares

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007

P/E

- - - - - - 18.8 16.4 20.7 23.0 18.0 17.4 18.8 14.9 15.9 - - - -

P/S

- - - - - - 5.9 5.4 5.3 5.5 4.4 4.3 4.8 3.8 3.9 - - - -

EPS

4.0 3.7 3.3 3.5 4.1 2.6 3.2 3.4 2.6 2.4 2.3 2.4 2.5 2.6 2.6 2.3 1.9 2.3 -

EV (Enterprise Value)

25.6 B 25.3 B 26 B 28.5 B 28.9 B 27.3 B 29.9 B 28.4 B 28.2 B 28.7 B 26.5 B 25.1 B 24.5 B 23.2 B 22 B 16 B 15.8 B -1.3 B -1.33 B

EV/EBITDA

452.3 467.6 526.1 608.2 645.1 6.3 - - - - - - - - - 327.4 306.1 -25.6 -

PEG

- - - - - -1.56 -34.71 0.44 1.28 3.08 6.92 22.62 -12.6 1.87 0.94 - - - -

P/B

- - - - - - 2.5 2.4 2.4 2.5 2.0 2.0 2.2 1.8 1.9 - - - -

P/CF

- - - - - - 16.8 13.7 16.4 15.5 18.4 14.4 14.6 11.5 10.6 - - - -

ROE %

14.94 15.90 16.20 19.81 15.44 10.41 13.42 14.76 11.75 11.01 11.14 11.21 11.78 12.40 11.81 10.96 8.97 11.94 -

ROA %

1.72 1.64 1.50 1.53 1.45 1.08 1.62 1.70 1.29 1.07 1.07 1.09 1.13 1.22 1.24 1.20 0.93 - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 0.4 0.4 0.5 0.5 0.5 0.5 0.5 0.5 1.1 1.1 - -

All numbers in USD currency

Quarterly Financial Ratios Commerce Bancshares

2026-Q2 2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q3 2024-Q2 2024-Q1 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1 2010-Q3 2010-Q2

EPS

1.1 0.96 1.06 1.14 0.98 1.07 1.07 0.87 0.96 1.03 0.95 - 1.03 0.92 0.92 - 1 1.38 1.06 - 1.06 0.32 0.42 - 0.93 0.91 0.81 - 0.99 0.96 0.88 - 0.68 0.71 0.65 - 0.65 0.67 0.62 - 0.63 0.72 0.58 - 0.69 0.67 0.64 - 0.71 0.69 0.64 - 0.71 0.77 0.7 - 0.72 0.76 0.66 0.67 0.72

ROE %

14.90 15.02 15.75 16.44 16.08 16.97 17.74 17.77 19.17 18.82 18.01 13.52 17.04 16.47 16.10 12.12 16.02 13.68 10.55 6.60 10.08 9.63 11.55 10.03 13.87 14.15 14.15 11.05 13.79 12.86 11.73 8.28 11.03 11.09 10.80 8.17 10.90 11.30 11.09 8.47 11.39 11.51 11.13 8.54 11.63 11.68 11.58 8.82 11.87 12.05 12.11 9.35 12.36 12.50 12.03 9.00 11.73 11.72 2.79 2.73 3.01

ROA %

1.76 1.71 1.76 1.77 1.67 1.65 1.60 1.52 1.52 1.48 1.44 1.07 1.55 1.17 1.57 1.23 1.63 1.40 1.07 0.68 1.10 1.11 1.36 1.21 1.65 1.66 1.64 1.27 1.57 1.45 1.30 0.91 1.17 1.15 1.08 0.79 1.06 1.09 1.07 0.81 1.10 1.11 1.08 0.83 1.13 1.13 1.11 0.85 1.14 1.17 1.18 0.91 1.23 1.27 1.24 0.94 1.24 1.25 0.29 0.30 0.33

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 - 1.1 - 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

All numbers in USD currency

Multiples are an important financial analysis tool for the company Commerce Bancshares, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
ACNB Corporation ACNB Corporation
ACNB
$ 65.05 0.38 % $ 667 M usaUSA
Amerant Bancorp Amerant Bancorp
AMTB
$ 29.47 0.51 % $ 1.23 B usaUSA
Ameris Bancorp Ameris Bancorp
ABCB
$ 85.04 0.45 % $ 5.82 B usaUSA
Arrow Financial Corporation Arrow Financial Corporation
AROW
$ 39.1 0.1 % $ 645 M usaUSA
AmeriServ Financial AmeriServ Financial
ASRV
$ 4.82 0.72 % $ 79.6 M usaUSA
Ames National Corporation Ames National Corporation
ATLO
$ 32.53 0.12 % $ 289 M usaUSA
Atlantic Union Bankshares Corporation Atlantic Union Bankshares Corporation
AUB
$ 39.85 0.33 % $ 5.13 B usaUSA
Auburn National Bancorporation Auburn National Bancorporation
AUBN
$ 26.45 3.58 % $ 92.4 M usaUSA
Axos Financial Axos Financial
AX
$ 94.09 0.89 % $ 5.33 B usaUSA
Banc of California Banc of California
BANC
$ 18.51 0.08 % $ 2.96 B usaUSA
BancFirst Corporation BancFirst Corporation
BANF
$ 112.51 1.45 % $ 3.75 B usaUSA
Bank First Corporation Bank First Corporation
BFC
$ 154.07 0.5 % $ 1.52 B usaUSA
Business First Bancshares Business First Bancshares
BFST
$ 31.49 0.21 % $ 926 M usaUSA
Salisbury Bancorp Salisbury Bancorp
SAL
- - $ 162 M usaUSA
BankUnited BankUnited
BKU
$ 44.58 0.4 % $ 3.3 B usaUSA
BOK Financial Corporation BOK Financial Corporation
BOKF
$ 136.56 0.64 % $ 8.55 B usaUSA
Blue Ridge Bankshares Blue Ridge Bankshares
BRBS
$ 4.1 0.12 % $ 360 M usaUSA
Banco Santander (Brasil) S.A. Banco Santander (Brasil) S.A.
BSBR
$ 5.95 0.08 % $ 22.1 B brasilBrasil
First Busey Corporation First Busey Corporation
BUSE
$ 30.52 0.26 % $ 2.56 B usaUSA
Bridgewater Bancshares Bridgewater Bancshares
BWB
$ 21.43 0.19 % $ 590 M usaUSA
Bankwell Financial Group Bankwell Financial Group
BWFG
$ 68.16 0.1 % $ 528 M usaUSA
Broadway Financial Corporation Broadway Financial Corporation
BYFC
$ 11.81 0.21 % $ 102 M usaUSA
Camden National Corporation Camden National Corporation
CAC
$ 58.43 0.84 % $ 987 M usaUSA
Carter Bankshares Carter Bankshares
CARE
$ 31.16 0.03 % $ 700 M usaUSA
Meta Financial Group Meta Financial Group
CASH
$ 79.04 0.53 % $ 1.85 B usaUSA
Cathay General Bancorp Cathay General Bancorp
CATY
$ 62.59 0.94 % $ 4.33 B usaUSA
Colony Bankcorp Colony Bankcorp
CBAN
$ 21.42 0.05 % $ 381 M usaUSA
CB Financial Services CB Financial Services
CBFV
$ 37.52 0.7 % $ 189 M usaUSA
Community Bank System Community Bank System
CBU
$ 63.44 1.44 % $ 3.34 B usaUSA
Capital City Bank Group Capital City Bank Group
CCBG
$ 50.64 0.12 % $ 864 M usaUSA
CNB Financial Corporation CNB Financial Corporation
CCNE
$ 34.59 0.32 % $ 850 M usaUSA
CF Bankshares CF Bankshares
CFBK
$ 35.34 0.45 % $ 222 M usaUSA
Capitol Federal Financial Capitol Federal Financial
CFFN
$ 8.9 0.85 % $ 1.16 B usaUSA
Cullen/Frost Bankers Cullen/Frost Bankers
CFR
$ 163.65 0.45 % $ 10.5 B usaUSA
City Holding Company City Holding Company
CHCO
$ 145.5 1.07 % $ 2.11 B usaUSA
Chemung Financial Corporation Chemung Financial Corporation
CHMG
$ 84.82 0.07 % $ 407 M usaUSA
Civista Bancshares Civista Bancshares
CIVB
$ 27.52 0.29 % $ 479 M usaUSA
Columbia Banking System Columbia Banking System
COLB
$ 30.2 0.28 % $ 7.19 B usaUSA
Central Pacific Financial Corp. Central Pacific Financial Corp.
CPF
$ 37.92 0.24 % $ 1.02 B usaUSA
Emclaire Financial Corp Emclaire Financial Corp
EMCF
- -4.21 % $ 86.4 M usaUSA
Customers Bancorp Customers Bancorp
CUBI
$ 79.01 0.16 % $ 2.56 B usaUSA
CVB Financial Corp. CVB Financial Corp.
CVBF
$ 22.79 1.54 % $ 3.12 B usaUSA
Community West Bancshares Community West Bancshares
CWBC
$ 26.24 0.19 % $ 232 M usaUSA
Citizens & Northern Corporation Citizens & Northern Corporation
CZNC
$ 26.14 0.65 % $ 417 M usaUSA
Citizens Community Bancorp Citizens Community Bancorp
CZWI
$ 21.88 0.16 % $ 217 M usaUSA
Deutsche Bank Aktiengesellschaft Deutsche Bank Aktiengesellschaft
DB
$ 39.28 0.32 % $ 74.9 B germanyGermany
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
- -1.48 % $ 566 M usaUSA
Eagle Bancorp Montana Eagle Bancorp Montana
EBMT
$ 22.45 0.22 % $ 175 M usaUSA
Enterprise Financial Services Corp Enterprise Financial Services Corp
EFSC
$ 64.07 0.12 % $ 2.37 B usaUSA
Eagle Bancorp Eagle Bancorp
EGBN
$ 28.12 1.88 % $ 853 M usaUSA