Commerce Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Commerce Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$30Sales grew 17% in 3 years; of every extra $100 of sales, $30 became extra profit.
Higher than 56% of Financial Services companies in United States.
Asset Productivity Ratio
+17% / +3%In 3 years sales changed by +17% while total assets changed by +3%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 82% of Financial Services companies in United States.
Tangible Net Worth Ratio
96%Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 80% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Commerce Bancshares, Inc. owes $0.88 for every $1 it owns. Net profit rose 8% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.6Investors pay $13.6 for every $1 of Commerce Bancshares, Inc.'s yearly profit, higher than 57% of Financial Services companies in United States.
P/B ratio
1.86The share price is 1.86 times Commerce Bancshares, Inc.'s book value per share, higher than 77% of Financial Services companies in United States.
Market cap
$8.1 BThe total market value of all of Commerce Bancshares, Inc.'s shares at today's price (share price × number of shares), larger than 84% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$4.4 BWhat Commerce Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$30.38Net worth divided by the number of shares. The share price of $56.51 is 1.9 times this, which is the P/B above.
Return on equity (ROE)
14.7%Commerce Bancshares, Inc. earned 14.7% on its shareholders' money over the last year, higher than 74% of Financial Services companies in United States.
Owes vs Owns
0.88×Commerce Bancshares, Inc. owes $0.88 for every $1 it owns (high), higher than 63% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.99%Commerce Bancshares, Inc. pays 1.99% of its share price as dividends a year, lower than 71% of dividend-paying Financial Services companies in United States.
Revenue growth
+6%Revenue rose 6% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Profit growth
+8%Net profit rose 8% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Profit margin
32.0%Commerce Bancshares, Inc. keeps $32 of every $100 of revenue as net profit.
Questions
What is Commerce Bancshares, Inc.'s P/E ratio?
Investors pay $13.6 for every $1 of Commerce Bancshares, Inc.'s yearly profit, higher than 57% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Commerce Bancshares, Inc.: $8.1 B ÷ $4.4 B (30 Jun 2026) = 1.9.
What is Commerce Bancshares, Inc.'s return on equity?
Commerce Bancshares, Inc. earned 14.7% on its shareholders' money over the last year, higher than 74% of Financial Services companies in United States.
How much does Commerce Bancshares, Inc. owe compared with what it owns?
Commerce Bancshares, Inc. owes $0.88 for every $1 it owns (high), higher than 63% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Commerce Bancshares, Inc. pay a dividend?
Yes. Commerce Bancshares, Inc. pays 1.99% of its share price as dividends a year, lower than 71% of dividend-paying Financial Services companies in United States.
Is Commerce Bancshares, Inc.'s revenue growing?
Revenue rose 6% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.