Commerce Stock Financials

CBSH
 Stock
  

USD 74.94  0.77  1.04%   

The current Net Income Per Employee is estimated to increase to about 126.2 K, while Revenue Per Employee is projected to decrease to roughly 274.3 K.
  
With this module, you can analyze Commerce financials for your investing period. You should be able to track the changes in Commerce Bancshares individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Commerce Most Recent Estimates

Quarterly Earnings Growth YOY
0.025
EPS Estimate Next Quarter
1.04
Diluted Eps
3.89
EPS Estimate Current Year
4.0
EPS Estimate Next Year
4.14
EPS Estimate Current Quarter
1.03
Understanding current and past Commerce Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Commerce Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Commerce Bancshares' assets may result in an increase in income on the income statement.

Revenues

1.27 Billion

The financial analysis of Commerce Bancshares is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Commerce Bancshares includes many different criteria found on its balance sheet. For example, investors should never minimize Commerce Bancshares' ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Commerce Bancshares' cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Commerce Bancshares.

Commerce Bancshares Cash

Chance Of Financial Distress
Less than 35
Commerce Bancshares has less than 35 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Commerce Bancshares stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Commerce Bancshares' official financial statements usually reflect Commerce Bancshares' business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Commerce Bancshares. For example, before you start analyzing numbers published by Commerce accountants, it's critical to develop an understanding of what Commerce Bancshares' liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Commerce Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Commerce Bancshares' management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Commerce Bancshares' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Commerce Bancshares. Please utilize our Beneish M Score to check the likelihood of Commerce Bancshares' management to manipulate its earnings.

Commerce Bancshares Company Summary

Commerce Bancshares competes with BRASIL ON, and BRADESCO. 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. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri. Commerce Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 4595 people.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0000022356
RegionNorth America
Business Address1000 Walnut, Kansas
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.commercebank.com
Phone816 234 2369
CurrencyUSD - US Dollar
You should never invest in Commerce Bancshares without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Commerce Stock, because this is throwing your money away. Analyzing the key information contained in Commerce Bancshares' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Commerce Bancshares Key Financial Ratios

Generally speaking, Commerce Bancshares' financial ratios allow both analysts and investors to convert raw data from Commerce Bancshares' financial statements into concise, actionable information that can be used to evaluate the performance of Commerce Bancshares over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Commerce Bancshares reports annually and quarterly.

Commerce Bancshares Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt1.76 M8.7 M2.42 M802 K12.56 M12.89 M
Accumulated Other Comprehensive Income14.11 M(64.67 M)110.44 M331.38 M77.08 M84.28 M
Total Assets24.83 B25.46 B26.07 B32.92 B36.69 B30 B
Cash and Equivalents487.34 M1.22 B915.63 M2.22 B4.32 B4.66 B
Cash and Equivalents USD469.07 M1.2 B887.47 M2.18 B4.28 B4.62 B
Total Debt1.51 B1.97 B1.85 B2.1 B3.04 B2.67 B
Total Debt USD1.51 B1.97 B1.85 B2.1 B3.04 B2.67 B
Deposit Liabilities20.43 B20.32 B20.52 B26.95 B29.81 B27.94 B
Shareholders Equity2.72 B2.93 B3.13 B3.4 B3.44 B2.91 B
Shareholders Equity USD2.72 B2.93 B3.13 B3.4 B3.44 B3.35 B
Goodwill and Intangible Assets146.54 M147.72 M148.46 M150.13 M154.49 M165.38 M
Investments23.48 B23.4 B24.18 B29.65 B31.36 B30.29 B
Total Liabilities22.12 B22.53 B22.93 B29.53 B33.25 B27.09 B
Property Plant and Equipment Net335.11 M333.12 M370.64 M371.08 M388.74 M410.61 M
Accumulated Retained Earnings Deficit221.37 M241.16 M201.56 M73 M92.49 M94.93 M

Commerce Bancshares Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Commerce Bancshares' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income319.9 M438.21 M422.71 M353.88 M540.59 M477.89 M
Gross Profit1.15 B1.28 B1.3 B1.2 B1.46 B1.43 B
Net Income319.38 M433.54 M421.23 M354.06 M530.76 M572.67 M
Operating Expenses744.34 M737.82 M767.4 M768.38 M805.9 M829.99 M
Operating Income405.36 M544.65 M528.16 M430.15 M656.24 M601.49 M
Revenues1.29 B1.39 B1.45 B1.39 B1.44 B1.27 B
Income Tax Expense110.51 M105.95 M109.07 M87.29 M145.71 M126.17 M

Commerce Bancshares Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Commerce Bancshares. It measures of how well Commerce is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Commerce Bancshares brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Commerce had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Commerce Bancshares has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(27.63 M)(19.87 M)(40.54 M)(31.26 M)(47.86 M)(49.12 M)
Depreciation Amortization and Accretion39.73 M38.68 M41.15 M43.77 M44.87 M41.46 M
Net Cash Flow or Change in Cash and Cash Equivalents(277.29 M)684.89 M(301.43 M)1.3 B2.09 B2.25 B
Issuance Purchase of Equity Shares(17.78 M)(75.24 M)(284.91 M)(54.17 M)(129.38 M)(139.59 M)
Issuance Repayment of Debt Securities(317.06 M)456.19 M(112.01 M)246 M936.34 M1.01 B
Payment of Dividends and Other Cash Distributions(91.62 M)(100.24 M)(113.47 M)(120.82 M)(122.69 M)(132.38 M)
Net Cash Flow from Financing(924.54 M)223.25 M(84.06 M)6.07 B3.57 B3.86 B
Net Cash Flow from Investing220.72 M(91.02 M)(730.16 M)(5.39 B)(2.08 B)(2.25 B)
Net Cash Flow Investment Acquisitions and Disposals248.35 M(71.16 M)(689.62 M)(5.36 B)(2.03 B)(2.2 B)
Net Cash Flow from Operations433.23 M552.66 M512.79 M623.99 M597.72 M511.97 M
Share Based Compensation12.11 M12.84 M13.85 M14.91 M15.41 M13.89 M

Commerce Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Commerce Bancshares's current stock value. Our valuation model uses many indicators to compare Commerce Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Commerce Bancshares competition to find correlations between indicators driving Commerce Bancshares's intrinsic value. More Info.
Commerce Bancshares is rated second in earnings per share category among related companies. It is rated third in market capitalization category among related companies creating about  2,527,777,778  of Market Capitalization per Earnings Per Share. Commerce Bancshares Market Capitalization is most likely to increase significantly in the upcoming years. The last year's value of Market Capitalization was reported at 7.99 Billion. Comparative valuation analysis is a catch-all model that can be used if you cannot value Commerce Bancshares by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Commerce Bancshares' Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Commerce Bancshares' earnings, one of the primary drivers of an investment's value.

Commerce Bancshares Systematic Risk

Commerce Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Commerce Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Commerce Bancshares correlated with the market. If Beta is less than 0 Commerce Bancshares generally moves in the opposite direction as compared to the market. If Commerce Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Commerce Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Commerce Bancshares is generally in the same direction as the market. If Beta > 1 Commerce Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
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About Commerce Bancshares Financials

What exactly are Commerce Bancshares Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Commerce Bancshares' income statement, its balance sheet, and the statement of cash flows. Potential Commerce Bancshares investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Commerce Bancshares investors may use each financial statement separately, they are all related. The changes in Commerce Bancshares's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Commerce Bancshares's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Commerce Bancshares is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Commerce has grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Commerce Bancshares November 26, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Commerce Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Commerce Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Commerce Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Commerce Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Commerce Bancshares's daily price indicators and compare them against related drivers.
Downside Deviation1.23
Information Ratio0.0251
Maximum Drawdown7.54
Value At Risk(2.01)
Potential Upside2.83
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Is Commerce Bancshares' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Commerce Bancshares. If investors know Commerce will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Commerce Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
0.025
Market Capitalization
8.9 B
Quarterly Revenue Growth YOY
0.003
Return On Assets
0.0144
Return On Equity
0.16
The market value of Commerce Bancshares is measured differently than its book value, which is the value of Commerce that is recorded on the company's balance sheet. Investors also form their own opinion of Commerce Bancshares' value that differs from its market value or its book value, called intrinsic value, which is Commerce Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Commerce Bancshares' market value can be influenced by many factors that don't directly affect Commerce Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Commerce Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine Commerce Bancshares value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Commerce Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.