Commerce Bancshares Long-Term Debt 2011-2026 | CBSH

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Commerce Bancshares

2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	-	2.42 M	8.7 M	1.76 M	102 M	104 M	104 M	107 M	104 M	112 M

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
112 M	1.76 M	71.7 M

Quarterly Long-Term Debt Commerce Bancshares

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
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.8 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	455 M	-	-	-	504 M	-	-	-	512 M	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
512 M	1.8 M	368 M

Long-Term Debt of other stocks in the Banks regional industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
Atlantic Capital Bancshares ACBI	73.8 M	-	-1.48 %	$ 566 M	USA
Westamerica Bancorporation WABC	20 M	$ 51.17	-0.58 %	$ 1.31 B	USA
Washington Federal WAFD	2.25 B	$ 31.05	-1.71 %	$ 2.49 B	USA
Signature Bank SBNY	3.67 B	-	-	$ 4.41 B	USA
American National Bankshares AMNB	35.5 M	-	-	$ 508 M	USA
Western Alliance Bancorporation WAL	2.42 B	$ 67.8	-3.36 %	$ 7.36 B	USA
Webster Financial Corporation WBS	739 M	$ 68.07	-0.56 %	$ 11.2 B	USA
Woori Financial Group WF	57.9 T	$ 65.73	0.74 %	$ 18.2 B	South-korea
Allegiance Bancshares ABTX	264 M	-	-0.86 %	$ 1.51 B	USA
First Midwest Bancorp, Inc. FMBI	1.64 B	-	-1.2 %	$ 2.26 B	USA
Brookline Bancorp BRKL	1.52 B	-	-	$ 974 M	USA
Western New England Bancorp WNEB	206 M	$ 12.82	-0.23 %	$ 259 M	USA
Peoples Bancorp of North Carolina PEBK	15.6 M	$ 38.49	-0.26 %	$ 204 M	USA
WesBanco WSBC	1.62 B	$ 33.37	-1.53 %	$ 3.03 B	USA
Waterstone Financial WSBF	447 M	$ 18.12	-0.98 %	$ 336 M	USA
WSFS Financial Corporation WSFS	294 M	$ 63.46	-2.67 %	$ 3.78 B	USA
West Bancorporation WTBA	223 M	$ 23.42	-1.97 %	$ 396 M	USA
Citizens Holding Company CIZN	18 M	-	-5.65 %	$ 49.5 M	USA
Southern Missouri Bancorp SMBC	94.6 M	$ 62.44	-1.14 %	$ 701 M	USA
Zions Bancorporation, National Association ZION	1.47 B	$ 55.4	-3.23 %	$ 8.15 B	USA
BankFinancial Corporation BFIN	4 M	-	-	$ 151 M	USA
Atlantic Union Bankshares Corporation AUB	772 M	$ 34.79	-2.06 %	$ 4.48 B	USA
Cadence Bancorporation CADE	373 M	-	-	$ 5.43 B	USA
FFBW FFBW	7.5 M	-	-	$ 68.2 M	USA
The First of Long Island Corporation FLIC	472 M	-	0.25 %	$ 268 M	USA
FNCB Bancorp FNCB	200 M	-	-	$ 133 M	USA
Banco BBVA Argentina S.A. BBAR	1.17 B	$ 14.02	-3.51 %	$ 450 B	Argentina
CBTX CBTX	50 M	-	1.49 %	$ 1.51 B	USA
CrossFirst Bankshares CFB	1.92 B	-	-	$ 784 M	USA
First Capital FCAP	10 M	$ 49.37	1.79 %	$ 165 M	USA
Spirit of Texas Bancshares, Inc. STXB	92.2 M	-	-0.23 %	$ 446 M	USA
People's United Financial, Inc. PBCT	1.02 B	-	-	$ 8.34 B	USA
HomeStreet HMST	225 M	-	1.84 %	$ 262 M	USA
ESSA Bancorp ESSA	14.2 M	-	-	$ 196 M	USA
American River Bankshares AMRB	13.8 M	-	2.00 %	$ 125 M	USA
Bank of Commerce Holdings BOCH	25.3 M	-	-1.56 %	$ 254 M	USA
First Financial Northwest FFNW	120 M	-	-1.23 %	$ 206 M	USA
C&F Financial Corporation CFFI	69.8 M	$ 71.89	-2.55 %	$ 233 M	USA
Timberland Bancorp TSBK	30 M	$ 38.91	-0.77 %	$ 313 M	USA
Investors Bancorp ISBC	2.85 B	-	-2.46 %	$ 3.45 B	USA
CIT Group Inc. CIT	5.84 B	-	-1.4 %	$ 4.74 B	USA
Community Bank System CBU	94.9 M	$ 56.8	-1.92 %	$ 2.99 B	USA
Glen Burnie Bancorp GLBZ	10 M	-	-	$ 12.5 M	USA
Capitol Federal Financial CFFN	2.24 B	$ 6.92	-2.54 %	$ 900 M	USA
ACNB Corporation ACNB	195 M	$ 47.25	-0.42 %	$ 402 M	USA
ConnectOne Bancorp CNOB	629 M	$ 26.03	-1.74 %	$ 1.18 B	USA
Columbia Financial CLBK	1.18 B	$ 17.23	-0.63 %	$ 1.75 B	USA
Emclaire Financial Corp EMCF	15 M	-	-4.21 %	$ 86.4 M	USA
Axos Financial AX	313 M	$ 82.97	-2.33 %	$ 4.72 B	USA