CBSH
Financial Services · Banks - Regional
Performance
CBSH (CBSH) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
CBSH (CBSH) operates in the Banks - Regional space within the Financial Services sector. With a market cap of $8.0B, it qualifies as a small-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Low P/E of 13.5× suggests the stock may be undervalued relative to earnings
- Forward P/E (12.6×) is lower than trailing P/E (13.5×) — analysts expect earnings to improve
- Revenue growth of 17% YoY shows solid business momentum
- Exceptional profit margin of 32.3% — the business retains a large share of each dollar earned
- Dividend yield of 2.01% provides consistent income on top of price appreciation
- Low beta of 0.60 — less volatile than the market, suitable for conservative portfolios
No significant bearish signals found
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.01%
5Y Avg Annual
$0.8851
Last Payment
$0.2750
Ex-Date
06/05/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/05/2026 | 06/23/2026 | $0.2750 | 2.00% |
03/06/2026 | 03/24/2026 | $0.2750 | 2.00% |
12/02/2025 | 12/20/2025 | $0.2620 | 1.90% |
09/05/2025 | 09/23/2025 | $0.2619 | 1.90% |
06/06/2025 | 06/24/2025 | $0.2619 | 1.90% |
03/07/2025 | 03/25/2025 | $0.2619 | 1.90% |
12/03/2024 | 12/21/2024 | $0.2448 | 1.78% |
09/05/2024 | 09/23/2024 | $0.2449 | 1.78% |
Magic Number
Shares needed to self-fund your next purchase
$55.04
Price
$0.2750
Last div. (quarterly)
201
shares
Own 201 CBSH shares ($11,062.04) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$11,062.04
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 16, 2026
30
days
EPS (TTM)
$4.07
P/E (TTM)
13.5
Fwd P/E
12.6
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $55.03
Graham Number
√(22.5 × EPS × Book Value)
$51.90
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$15.84
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
14.9%Return on equity — measures how efficiently capital is used
Positive profit margin
32.3%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+17.3%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+3.1%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$68M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.01%Stock must distribute income to shareholders
Related Assets
Financial Services
About CBSH
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Retail Banking, Commercial, and Wealth. The Retail Banking segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.
Sector
Financial Services
Industry
Banks - Regional
Location
Kansas City, United States
Employees
4,960