CBSH:NSD-Commerce Bancshares, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 71.81

Change

-0.35 (-0.49)%

Market Cap

USD 8.45B

Volume

0.95M

Avg Analyst Target

USD 66.80 (-6.98%)

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

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: Consumer, Commercial, and Wealth. The Consumer 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; 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 management, and brokerage services, as well as private banking accounts. The company also offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. It operates through a network of 306 locations in Missouri, Kansas, Illinois, Oklahoma, and Colorado, as well as commercial offices. The company was founded in 1865 and is headquartered in Kansas City, Missouri.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2021-07-29 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+5.01 (+0.89%)

USD31.70B 16.04 N/A
HBANN Huntington Bancshares Incorpor..

+0.06 (+0.23%)

USD28.06B 22.54 N/A
FITB Fifth Third Bancorp

+0.19 (+0.52%)

USD25.31B 10.49 N/A
HBAN Huntington Bancshares Incorpor..

+0.37 (+2.64%)

USD20.63B 12.23 N/A
FITBI Fifth Third Bancorp

+0.03 (+0.10%)

USD20.01B 8.34 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+0.48 (+0.92%)

USD8.47B 7.84 N/A
PBCTP People's United Financial, Inc

+0.04 (+0.14%)

USD7.01B 40.14 N/A
FFIN First Financial Bankshares, In..

+0.63 (+1.29%)

USD6.94B 31.05 N/A
PNFP Pinnacle Financial Partners, I..

+0.52 (+0.57%)

USD6.93B 14.85 N/A

ETFs Containing CBSH

Symbol Name Weight Mer Price(Change) Market Cap
KBE SPDR S&P Bank ETF 0.00 % 0.35 %

+0.39 (+0.79%)

USD3.37B
KBWR Invesco KBW Regional Bank.. 0.00 % 0.35 %

+0.23 (+0.40%)

USD0.08B
QABA First Trust NASDAQ ABA Co.. 0.00 % 0.60 %

+0.35 (+0.65%)

USD0.14B

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 9.30% 29% F 54% F
Dividend Return 0.80% 12% F 33% F
Total Return 10.10% 27% F 54% F
Trailing 12 Months  
Capital Gain 25.26% 18% F 45% F
Dividend Return 1.39% 7% F 27% F
Total Return 26.64% 16% F 45% F
Trailing 5 Years  
Capital Gain 67.41% 75% C 60% D-
Dividend Return 11.74% 25% F 47% F
Total Return 79.16% 75% C 62% D-
Average Annual (5 Year Horizon)  
Capital Gain 9.46% 83% B 52% F
Dividend Return 1.66% 31% F 46% F
Total Return 11.12% 85% B 52% F
Risk Return Profile  
Volatility (Standard Deviation) 14.22% 91% A- 86% B
Risk Adjusted Return 78.18% 99% A+ 87% B+
Market Capitalization 8.45B 98% A+ 90% A-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.50 23% F 55% F
Price/Book Ratio 2.41 4% F 55% F
Price / Cash Flow Ratio 13.55 41% F 31% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 16.49% 90% A- 85% B
Return on Invested Capital 23.43% 91% A- 92% A-
Return on Assets 1.76% 90% A- 64% D
Debt to Equity Ratio 0.02% 100% A+ 92% A-
Technical Ratios  
Short Ratio 8.25 4% F 10% F
Short Percent 3.33% 9% F 50% F
Beta 0.97 48% F 63% D
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.