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Commerce Bancshares, Inc. (CBSH) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Commerce Bancshares, Inc.

CBSHMarket cap $7.86BPrice $54.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a regional bank across the Midwest offering commercial lending, wealth management, and payment processing. It's stayed profitable for over 150 straight years without a single quarterly loss — a streak almost no U.S. bank can match.

In Bastion Portfolios?

52W Return+8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+5%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+8%–

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+8%6

EPS Growth Y+2+2%4

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin0%6

Net Income Margin32%9

Free Cash Flow Margin66%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE14%6

ROA2%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)126

P/BV1.87

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.0%5

Momentum

Short term

1 month return-6%4

3 month return-6%4

YTD return+6%6

Mid term

Price vs 52wHigh90%8

1 year return-0%5

Long term

3 year return+40%5

5 year return+7%4

Risk Shield

Price Risk

Beta0.77

Volatility21%10

Free Cash Flow

Free Cash Flow Margin66%10

Free Cash Flow Yield0.0%8

Quality

ROCE18%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CBSHCommerce Bancshares

Revenue FY25$1.8B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+8%6

EPS growth, FY27E+2%4

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 5%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 8%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-6%4

YTD return+6%6

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return-0%5

3-year return+40%5

5-year return+7%4

MOMENTUM ASSESSMENT

STRENGTHS

It's down 0.4% over the past year, now 10% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+40% over three years and +7.2% over five), roughly average for the market.

Returns sit at the market level over the past month (-6%), over three months (-6%) and so far this year (+6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Commerce Bshs. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CBSHCommerce Bancshares

Revenue FY25$1.8B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+8%6

EPS growth, FY27E+2%4

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 5%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 8%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-6%4

YTD return+6%6

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return-0%5

3-year return+40%5

5-year return+7%4

MOMENTUM ASSESSMENT

STRENGTHS

It's down 0.4% over the past year, now 10% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+40% over three years and +7.2% over five), roughly average for the market.

Returns sit at the market level over the past month (-6%), over three months (-6%) and so far this year (+6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Commerce Bshs. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community