Stocktoria
COMMERCE BANCSHARES INC /MO/ CBSH
COMMERCE BANCSHARES INC /MO/ (CBSH) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.78% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-29 | Morgan Stanley | Equal-Weight (main) |
| 2026-06-26 | Piper Sandler | Neutral (main) |
| 2026-05-13 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-04-23 | TD Cowen | Hold (main) |
| 2026-04-23 | Piper Sandler | Neutral (main) |
| 2026-04-23 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CBSH | COMMERCE BANCSHARES INC /MO/ | 4/9 | — | 14.9 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About COMMERCE BANCSHARES INC /MO/
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.
FAQ
Is CBSH financially healthy?
COMMERCE BANCSHARES INC /MO/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does CBSH pay a dividend, and is it safe?
Yes. COMMERCE BANCSHARES INC /MO/ pays a dividend yielding about 1.78% with a 26.5% payout ratio, rated “safe” for safety.
How profitable is CBSH?
In FY2025, COMMERCE BANCSHARES INC /MO/ had a return on equity of 14.8%.
Is CBSH overvalued or undervalued?
COMMERCE BANCSHARES INC /MO/ trades at about 14.8× trailing earnings — below its 10-year norm (10-year range 13.0×–20.8×, median 16.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CBSH?
The average Wall-Street price target for COMMERCE BANCSHARES INC /MO/ is $59.25, about 0.8% below the recent price, from 8 analysts (consensus: hold).
Is CBSH a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on COMMERCE BANCSHARES INC /MO/: a Piotroski F-score of 4/9, a P/E of about 14.9×, a dividend yield of 1.78%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.