CBSH- Commerce Bancshares, Inc.
Financial Services · Banks - Regional
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
HoldWall Street consensus from 9 analysts
12-Month Price Target
$66.56
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $58.65
Graham Number
√(22.5 × EPS × Book Value)
$52.68
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%
14.7%Return on equity - measures how efficiently capital is used
Positive profit margin
31.6%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+14.2%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+1.2%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
$65M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.89%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 15, 2026
30
days
EPS (TTM)
$4.08
P/E (TTM)
14.4
Fwd P/E
12.8
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.89%
5Y Avg Annual
$0.9401
Last Payment
$0.2750
Ex-Date
09/04/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest09/04/2026 | 09/22/2026 | $0.2750 | 1.88% |
06/05/2026 | 06/23/2026 | $0.2750 | 1.88% |
03/06/2026 | 03/24/2026 | $0.2750 | 1.88% |
12/02/2025 | 12/20/2025 | $0.2620 | 1.79% |
09/05/2025 | 09/23/2025 | $0.2619 | 1.79% |
06/06/2025 | 06/24/2025 | $0.2619 | 1.79% |
03/07/2025 | 03/25/2025 | $0.2619 | 1.79% |
12/03/2024 | 12/21/2024 | $0.2448 | 1.67% |
Magic Number
Shares needed to self-fund your next purchase
$58.65
Price
$0.2750
Last div. (quarterly)
214
shares
Own 214 CBSH shares ($12,551.10) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$12,551.10
New shares / year
+4 shares
Dividend Calculator
1.88% yieldEstimate CBSH dividend income at the current rate.
Per year
$187.55
Per month
$15.63
≈ 170.5 shares at $1.1/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
CBSH vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Commerce Bancshares, Inc.
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
4,976
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Commerce Bancshares, Inc. (CBSH) stock trades at $58.65, up 0.69% on the day. With a market capitalization of $8.41 billion, CBSH is a mid-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 14.4, a forward P/E of 12.8 and earnings per share (EPS) of $4.08. Over the most recent period the company reported 14% year-over-year revenue growth and a net profit margin of 31.6%. Below you'll find CBSH's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
CBSH - Frequently Asked Questions
Is Commerce Bancshares, Inc. (CBSH) a good stock to buy in 2026?
Commerce Bancshares, Inc. (CBSH) shows strengths such as revenue growth of 14% and a strong 32% net margin. Whether CBSH is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is CBSH's stock price today?
Commerce Bancshares, Inc. (CBSH) trades at $58.65, up 0.69% on the session. Prices on this page update throughout the trading day.
Does CBSH pay a dividend?
Yes. Commerce Bancshares, Inc. pays an annual dividend of $1.10 per share, a dividend yield of 1.89%. The most recent ex-dividend date was September 4, 2026. Its payout ratio is about 27% of earnings.
Is CBSH overvalued?
With a P/E ratio of 14.4×, CBSH trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 2.06. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is CBSH's market cap?
Commerce Bancshares, Inc. (CBSH) has a market capitalization of $8.41 billion, classifying it as a mid-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.