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Commerce Bancshares, Inc. CBSH NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
65/100
4/7 Pass
SharesGrow Intrinsic Value
$99.01
+95.4%
Analyst Price Target
$61.00
+20.4%

Commerce Bancshares, Inc. (CBSH) is a Banks - Regional company in the Financial Services sector, currently trading at $50.69. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 4 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of CBSH = $99.01 (+95.4% from the current price, the stock appears undervalued). Analyst consensus target is CBSH = $61 (+20.4% upside).

Valuation: CBSH trades at a trailing Price-to-Earnings (P/E) of 12.3 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.03.

Financials: revenue is $2.1B, +11.4%/yr average growth. Net income is $566M, growing at +5.2%/yr. Net profit margin is 26.5% (strong). Gross margin is 80% (-14.6 pp trend).

Balance sheet: total debt is $3.0B against $3.8B equity (Debt-to-Equity (D/E) ratio 0.79, moderate). Debt-to-assets is 9.1%. Total assets: $32.9B.

Analyst outlook: 1 / 15 analysts rate CBSH as buy (7%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 66/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 25/100 (Fail), Moat 59/100 (Partial), Future 46/100 (Partial), Income 85/100 (Pass).

$61.00
▲ 20.35% Upside
Average Price Target
Based on 15 Wall Street analysts offering 12-month price targets for Commerce Bancshares, Inc., the average price target is $61.00, with a high forecast of $62.00, and a low forecast of $60.00.
Highest Price Target
$62.00
Average Price Target
$61.00
Lowest Price Target
$60.00

CBSH SharesGrow Score Overview

65/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 66/100
Valuation — P/E, PEG, Forward PEG
GROWTH 73/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 25/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 59/100
Gross margin is + market cap
FUTURE 46/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CBSH

VALUE Pass
66/100
CBSH trades at a trailing Price-to-Earnings (P/E) of 12.3 (S&P 500 average ~25). Forward PEG 1.03 — ~moderate (~1.5). Trailing PEG 50.98. Analyst consensus target is $61, implying +20.4% from the current price $51. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
73/100
CBSH: +11.4%/yr revenue is, +5.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
CBSH: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
25/100
Balance sheet CBSH: Debt-to-Equity (D/E) ratio 0.79 (moderate), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
59/100
CBSH: Gross margin is 80% (-14.6 pp trend), $7B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 59/100. ≥ 70 = Pass.
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~
FUTURE Partial
46/100
Analyst outlook: 1 / 15 analysts rate CBSH as buy (7%). Analyst consensus target is $61 (+20.4% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
INCOME Pass
85/100
CBSH: Net profit margin is 26.5%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range46.99-63.19048
Volume911.55K
Avg Volume (30D)1.35M
Market Cap$7.47B
Beta (1Y)0.59
Dividend Yield$1.0607
Share Statistics
EPS (TTM)4.08
Shares Outstanding$138.9M
IPO Date1980-03-17
Employees4,662
CEOJohn W. Kemper
Financial Highlights & Ratios
Revenue (TTM)$2.14B
Gross Profit$1.71B
EBITDA$770.03M
Net Income$566.25M
Operating Income$731.84M
Total Cash$9.9B
Total Debt$3B
Net Debt$2.2B
Total Assets$32.92B
Price / Earnings (P/E)12.4
Price / Sales (P/S)3.49
Analyst Forecast
1Y Price Target$61.00
Target High$62.00
Target Low$60.00
Upside+20.4%
Rating ConsensusHold
Analysts Covering15
Buy 7% Hold 87% Sell 7%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS2005251036

Price Chart

CBSH
Commerce Bancshares, Inc.  ·  NASDAQ Global Select
Financial Services • Banks - Regional
46.99 52WK RANGE 63.19
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