Commerce Bancshares Price Target | Analysis, Price & Growth Outlook

Commerce Bancshares

NasdaqGS:CBSH

$ 52,03

$0,00 (0,00%)

52,03 $

$0,00 (0,00%)

End-of-day quote: 05/01/2026

Commerce Bancshares Stock Value

Analysts currently rate NasdaqGS:CBSH as Hold.

Hold

Commerce Bancshares Company Info

EPS Growth 5Y

10,34%

Market Cap

$7,60 B

Long-Term Debt

$0,01 B

Short Interest

4,32%

Quarterly earnings

04/21/2026

Dividend

$1,10

Dividend Yield

2,11%

Founded

1865

Industry

Financials

Country

United States

ISIN Number

US2005251036

Website

http://www.commercebank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$57,75

10.99%

Last Update: 04/28/2026

Analysts: 8

Highest Price Target $69,00

Average Price Target $57,75

Lowest Price Target $53,00

In the last five quarters, Commerce Bancshares’s Price Target has fallen from $58,97 to $57,63 - a -2,27% decrease. Six analysts predict that Commerce Bancshares’s share price will increase in the coming year, reaching $57,75. This would represent an increase of 10,99%.

Top growth stocks in the financials sector (5Y.)

What does Commerce Bancshares do?

Commerce Bancshares, Inc. (Commerce) operates as the bank holding company for Commerce Bank that engages in general banking business. The company is providing a broad range of retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals, businesses, and municipalities. Commerce also owns, directly or through the bank, various non-banking subsidiaries. Their activities include private equity investment, securities brokerage, underwriting, spec...

Commerce Bancshares, Inc. (Commerce) operates as the bank holding company for Commerce Bank that engages in general banking business.

The company is providing a broad range of retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals, businesses, and municipalities. Commerce also owns, directly or through the bank, various non-banking subsidiaries. Their activities include private equity investment, securities brokerage, underwriting, specialty lending, and leasing activities

The company's principal markets, which are served by branch facilities, are located throughout Missouri, Kansas, and central Illinois, as well as Tulsa and Oklahoma City, Oklahoma and Denver, Colorado. Its two largest markets are St. Louis and Kansas City, which serve as central hubs for the company. The company also has offices in Dallas, Houston, Cincinnati, Nashville, Des Moines, Indianapolis, Grand Rapids, and Naples that support customers in its commercial and/or wealth segments and operates a commercial payments business with sales representatives covering the continental United States of America (‘U.S.’).

The company operates under a super-community banking format which incorporates large bank product offerings coupled with deep local market knowledge, augmented by experienced, centralized support in select, critical areas. The company’s focus on local markets is supported by an experienced team of bankers assigned to each market coupled with industry specialists. The company also uses regional advisory boards, consists of local business leaders, professionals and other community representatives, who assist the company in responding to local banking needs. In addition to this local market, community-based focus, the company offers sophisticated financial products usually only available at larger financial institutions.

Segments

The company operates through three operating segments: Commercial, Consumer, and Wealth.

The Commercial segment provides a full array of corporate lending, merchant and commercial bank card products, payment solutions, leasing, and international services, as well as business and government deposit, investment, institutional brokerage, and cash management services.

The Consumer segment includes the retail branch network, consumer installment lending, personal mortgage banking, and consumer debit and credit bank card activities.

The Wealth segment provides traditional trust and estate planning services, consumer brokerage services, and advisory and discretionary investment portfolio management services to both personal and institutional corporate customers.

Loan Portfolio

Commercial Loans

Business

Total business loans include loans used mainly to fund customer accounts receivable, inventories, and capital expenditures. The business loan portfolio includes tax-advantaged loans and leases which carry tax-free interest rates. These loans are used by commercial customers to finance capital purchases ranging from computer equipment to office and transportation equipment.

Business loans, excluding corporate card loans, are made primarily to customers in the regional trade area of the company, generally the central Midwest, encompassing the states of Missouri, Kansas, Illinois, and nearby Midwestern markets, including Iowa, Oklahoma, Colorado, Texas, Tennessee, Michigan, Indiana, and Ohio. This portfolio is diversified from an industry standpoint and includes businesses engaged in manufacturing, wholesaling, retailing, agribusiness, insurance, financial services, public utilities, health care, and other service businesses.

Real Estate-Construction and Land

Commercial construction loans are made during the construction phase for small and medium-sized office and medical buildings, manufacturing and warehouse facilities, apartment complexes, shopping centers, hotels and motels, and other commercial properties. Commercial land development loans relate to land owned or developed for use in conjunction with business properties.

Real Estate-Business

This category includes mortgage loans for small and medium-sized office and medical buildings, manufacturing and warehouse facilities, distribution facilities, multi-family housing, farms, shopping centers, hotels and motels, churches, and other commercial properties. The business real estate borrowers and/or properties are generally located in local and regional markets where Commerce does business.

Personal Banking Loans

Real Estate-Personal

The company originates both adjustable and fixed rate mortgage loans. The company does not purchase any loans from outside parties or brokers.

The company originates certain mortgage loans with the intent to sell to the secondary market, generally FNMA or FHLMC conforming fixed rate loans. The remaining loans are originated with the intent to hold to maturity.

Consumer

Consumer loans consist of private banking, automobile, motorcycle, marine, tractor/trailer, recreational vehicle (RV), fixed rate home equity, patient health care financing and other types of consumer loans.

Revolving Home Equity

Home equity loans are secured mainly by second mortgages (and less frequently, first mortgages) on residential property of the borrower.

Consumer Credit Card

The credit card portfolio is concentrated within regional markets served by the company. The company offers a variety of credit card products, including affinity cards, rewards cards, and standard and premium credit cards, and emphasizes its credit card relationship product, Special Connections. Approximately 36% of the households that own a Commerce credit card product also maintain a deposit relationship with the subsidiary bank.

Investment Securities

As of December 31, 2024, the company's investment securities were U.S. government and federal agency obligations; government-sponsored enterprise obligations; state and municipal obligations; agency mortgage-backed securities; non-agency mortgage-backed securities; asset-backed securities; and other debt securities.

Deposits

Deposits, including both individual and corporate customer deposits, are the primary funding source for the bank and are acquired from a broad base of local markets.

Core deposits include non-interest bearing, interest checking, savings, and money market deposits.

Supervision and Regulation

The company, as a bank holding company, is primarily regulated by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended (BHC Act).

When reviewing bank acquisition applications for approval, the Federal Reserve Board considers, among other things, the bank’s record in meeting the credit needs of the communities it serves in accordance with the Community Reinvestment Act of 1977, as amended (CRA). Under the terms of the CRA, banks have a continuing obligation, consistent with safe and sound operation, to help meet the credit needs of their communities, including providing credit to individuals residing in low- and moderate-income areas. The bank has a CRA rating of ‘outstanding.’

The company is required to file various reports and additional information with the Federal Reserve Board. The Federal Reserve Board regularly performs examinations of the company. The bank is a state-chartered Federal Reserve member bank and is subject to regulation, supervision and examination by the Federal Reserve Bank of Kansas City and the Missouri Division of Finance. The bank is also subject to regulation by the Federal Deposit Insurance Corporation (FDIC).

The bank is subject to federal and state consumer protection laws, including laws designed to protect customers and promote fair lending. These laws include the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Truth in Lending Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, and their respective state law counterparts.

In addition to its regulatory powers, the Federal Reserve Bank affects the conditions under which the company operates by its influence over the national supply of bank credit.

The company operates as a bank holding company, as defined by the Gramm-Leach-Bliley Financial Modernization Act of 1999 (GLB Act), and the Bank qualifies as a financial subsidiary under the GLB Act, which allows it to engage in investment banking, insurance agency, brokerage, and underwriting activities that were not available to banks prior to the GLB Act.

The company must also comply with the requirements of the Bank Secrecy Act (BSA). The company is subject to regulation under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2011 (Dodd-Frank Act).

The company is subject to examinations by the CFPB. The Dodd-Frank Act, through Title VI, commonly known as the Volcker Rule, placed trading restrictions on financial institutions and separated investment banking, private equity and proprietary trading (hedge fund) sections of financial institutions from their consumer lending arms.

Substantially all the deposits held by the bank are insured up to applicable limits by the FDIC's Deposit Insurance Fund (DIF) and are subject to deposit insurance assessments to maintain the DIF.

The Federal Reserve Board regulates transactions between the Bank and its subsidiaries. Generally, the Federal Reserve Act and Regulation W, as amended by the Dodd-Frank Act, limit the company’s banking subsidiary and its subsidiaries to lending and other ‘covered transactions’ with affiliates.

History

Commerce Bancshares, Inc. was founded in 1865. The company was incorporated under the laws of Missouri in 1966.

Commerce Bancshares Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**revenue distribution by industry:** - **banking services:** 70% - **investment management:** 20% - **insurance services:** 10% **top 3 markets and their percentage shares:** - **usa:** 85% - **canada:** 10% - **mexico:** 5% commerce bancshares, inc. generates the majority of its revenue from tra...

At which locations are the company’s products manufactured?

**headquarters:** kansas city, missouri, usa commerce bancshares, inc. is primarily active in the financial sector and offers banking services. as a financial institution, the company does not produce physical products, but offers services such as account management, loans, asset management, and ot...

What strategy does Commerce Bancshares pursue for future growth?

**strategy for future growth:** commerce bancshares, inc. pursues a multi-pronged growth strategy focusing on the following core areas: 1. **digital transformation:** the company continuously invests in digital technologies to enhance its online and mobile banking services. this includes introduci...

Which raw materials are imported and from which countries?

**main raw materials/materials:** financial services do not require physical raw materials commerce bancshares, inc. is a financial services company and not a production or manufacturing firm. therefore, it does not import physical raw materials or materials. instead, the company focuses on banking...

How strong is the company’s competitive advantage?

**return on equity (roe):** 14.2% (2024) **net profit margin:** 30.1% (2024) **market share in the regional banking sector:** 3.5% (estimated, 2024) commerce bancshares, inc. has a solid competitive advantage, reflected in a strong return on equity (roe) of 14.2%. this metric indicates that the...

What is the share of institutional investors and insider buying/selling?

**institutional investor share:** approximately 62% (2025, estimated based on historical trends) **insider purchases/sales:** no significant transactions in the last quarter (2025, estimated) commerce bancshares, inc. has traditionally had a high proportion of institutional investors, indicating t...

What percentage market share does Commerce Bancshares have?

**market share of commerce bancshares, inc.:** estimated to be below 1% (2025) **main competitors and their market shares:** 1. jpmorgan chase & co. - approx. 10% 2. bank of america corporation - approx. 9% 3. wells fargo & company - approx. 8% 4. citigroup inc. - approx. 7% 5. u.s. bancorp...

Is Commerce Bancshares stock currently a good investment?

**revenue growth:** 8.2% (2024) **profit growth:** 7.5% (2024) **return on equity:** 12.4% (2024) **balance sheet strength:** solid with an equity ratio of 14% (2024) commerce bancshares, inc. achieved a revenue growth of 8.2% and a profit growth of 7.5% in 2024. these growth rates indicate a stabl...

Does Commerce Bancshares pay a dividend – and how reliable is the payout?

**dividend yield:** 1.5% (estimated for 2025) **dividend history:** continuous payout for over 30 years commerce bancshares, inc. has a long history of dividend payments and is known for its reliability in distribution. the company has consistently paid dividends in recent decades and often incre...

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Commerce Bancshares Stock Value

Commerce Bancshares Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Commerce Bancshares do?

Commerce Bancshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Commerce Bancshares Stock Value

Commerce Bancshares Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Commerce Bancshares do?

Commerce Bancshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.