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Commerce Bancshares Inc key statistics and ratios

In fiscal 2025, Commerce Bancshares Inc had return on equity of 15.9% and a net margin of 32.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin16.4%21.1%24.7%25.9%25.1%24.8%24.4%24.4%26.7%32.7%31.3%26.5%38.0%32.8%30.4%31.8%32.1%31.3%
Return on equity9.0%11.4%12.2%12.4%11.9%11.5%11.2%11.3%12.3%15.4%13.9%10.8%15.5%16.5%17.6%16.8%15.9%14.3%
Return on assets0.9%1.2%1.3%1.3%1.2%1.1%1.1%1.1%1.3%1.7%1.6%1.2%1.5%1.4%1.5%1.7%1.7%1.7%
Effective tax rate30.5%30.3%31.9%31.9%32.1%31.6%30.4%31.0%25.7%19.5%20.5%19.8%21.2%20.9%21.7%21.4%22.0%22.2%
Dividends ÷ net income44.2%35.3%30.9%78.6%31.5%32.2%32.2%31.6%28.7%23.1%26.9%34.1%23.1%26.1%28.2%27.6%26.5%26.7%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CBSH vs FNBASB vs CBSHCBSH vs FLG

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Commerce Bancshares Inc's SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Commerce Bancshares Inc.