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COMMERCE BANCSHARES INC /MO/

CIK: 22356 SIC: 6022
$1.11B
Net Interest Income
$566.25M
Net Income
55.5%
Efficiency Ratio
3.38%
Net Int. Margin
14.9%
ROE
Financial Statements Annual (10-K)
Showing 5 of 16 annual reports available (2010 - 2025)
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
Interest Income $1.48B $1.48B $1.47B $1.38B $998.98M $848.29M
Interest Expense $371.87M $371.87M $429.31M $383.16M $56.79M $12.87M
Net Interest Income $1.11B $1.11B $1.04B $998.13M $942.18M $835.42M
Provision for Credit Losses $56.14M $56.14M $32.90M $35.45M $28.07M -
Net Interest Income After Provision $1.06B $1.06B $1.01B $962.68M $914.11M $901.75M
Non-Interest Income $652.28M $652.28M $615.55M $573.04M $546.53M $560.39M
Other Non-Interest Income $20.66M $20.66M $19.78M $14.10M $14.23M $15.94M
Non-Interest Expense $979.83M $979.83M $951.23M $930.98M $848.78M $805.90M
Compensation & Benefits $628.45M $628.45M $607.86M $584.06M $554.05M $525.25M
Occupancy Expense $54.32M $54.32M $53.22M $53.63M $49.12M $48.19M
Technology & Equipment $133.97M $133.97M $127.39M $118.76M $110.69M $101.79M
Professional Fees $48.86M $48.86M $35.08M $36.20M $35.80M -
Other Non-Interest Expense $38.30M $38.30M $48.93M $77.89M $73.63M $73.61M
Income Before Tax $731.84M $731.84M $679.49M $619.73M $632.38M $686.30M
Income Tax Expense $161.14M $161.14M $145.09M $134.55M $132.36M $145.71M
Net Income $566.25M $566.25M $526.33M $477.06M $488.40M $530.76M
Basic EPS nan 4.04 3.88 3.64 3.86 4.32
Diluted EPS nan 4.04 3.87 3.64 3.85 4.31
Breakdown FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
Cash & Due from Banks $803.24M $748.36M $443.15M $452.50M $305.54M
Interest-Bearing Deposits $2.74B $2.62B $2.24B $389.14M $3.97B
Trading Assets $40.08M $38.03M - $43.52M $46.23M
Investment Securities - AFS $9.10B $9.14B $9.68B $12.24B $14.45B
Loans & Leases (Gross) $17.77B $17.22B $17.21B - -
Allowance for Loan Losses - - $162.40M $150.14M $150.04M
Loans & Leases (Net) $17.59B $17.06B $17.04B $16.15B $15.03B
Goodwill & Intangibles $146.54M $146.54M $146.54M $138.92M $138.92M
Premises & Equipment $485.70M $475.27M $469.06M $418.91M $388.74M
Other Assets $852.38M $837.29M $938.08M $909.59M $506.86M
Total Assets $32.92B $32.00B $31.70B $31.88B $36.69B
Total Deposits $25.64B $25.29B $25.36B $26.19B $29.81B
Fed Funds Purchased & Repos $2.99B $2.93B $2.91B $2.84B $3.02B
Other Liabilities $458.30M $443.69M $462.71M $355.51M $392.16M
Total Liabilities $29.10B $28.66B $28.74B $29.39B $33.24B
Common Stock $692.94M $676.05M $655.32M $629.32M $610.80M
Retained Earnings $131.83M $45.49M $53.18M $31.62M $92.49M
Treasury Stock $48.00M $48.40M $35.60M $41.74M $32.97M
AOCI $-507.69M $-758.91M $-891.41M $-1.09B $77.08M
Total Stockholders Equity $3.79B $3.31B $2.94B $2.47B $3.44B
Total Liabilities & Equity $32.92B $32.00B $31.70B $31.88B $36.69B
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
Net Income $566.25M $566.25M $526.33M $477.06M $488.40M $530.76M
Provision for Credit Losses $56.14M $56.14M $32.90M $35.45M $28.07M -
Deferred Taxes - $11.55M $-591.00K $-7.40M $21.72M $25.61M
Stock-based Compensation $30.16M $17.27M $17.03M $17.05M $17.00M $15.41M
Net Change in Trading Assets $38.62M $15.32M $18.47M $-28.48M $-4.15M $29.89M
Operating Cash Flow $1.03B $645.14M $577.86M $488.77M $559.38M $597.72M
Maturities of Securities $3.28B $1.77B $2.13B $1.94B $2.69B $3.46B
Net Change in Loans $1.23B $594.02M $54.67M $933.74M $1.15B $-1.13B
Capital Expenditures $88.60M $52.75M $46.13M $88.07M $65.19M $56.72M
Acquisitions - - - $6.37M - -
Investing Cash Flow $-1.09B $-462.37M $483.79M $2.18B $242.27M $-2.08B
Common Stock Repurchased $329.80M $207.57M $170.47M $76.37M $186.62M $129.36M
Dividends Paid $265.13M $150.24M $145.09M $134.73M $127.47M $122.69M
Financing Cash Flow $-107.03M $-11.04M $-372.94M $-883.12M $-4.20B $3.57B
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Interest Expense $94.65M $109.72M $275.25M $329.12M
Income Before Tax $184.77M $178.51M $548.53M $505.66M
Income Tax Expense $41.15M $38.24M $120.52M $108.50M
Net Income $141.52M $138.01M $425.59M $390.22M
Basic EPS 1.06 1.02 3.18 2.87
Diluted EPS 1.06 1.01 3.18 2.86
Condensed Consolidated Balance Sheets
Description Sep 30, 2025 Dec 31, 2024
Property Plant & Equipment $483.00M $475.27M
Goodwill $146.54M $146.54M
Intangible Assets $13.33M $13.63M
Total Assets $32.29B $32.00B
Total Liabilities $28.50B $28.66B
Common Stock $676.05M $676.05M
Retained Earnings $360.72M $45.49M
Treasury Stock $121.97M $48.40M
Total Stockholders Equity $3.77B $3.31B
Total Liabilities & Equity $32.29B $32.00B
Condensed Consolidated Statements of Cash Flows
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Net Income $141.52M $138.01M $425.59M $390.22M
Stock-based Compensation - - $12.86M $12.73M
Operating Cash Flow - - $378.82M $714.51M
Capital Expenditure - - $39.01M $32.11M
Purchases of Investments - - $1.00B $2.10B
Sales of Investments - - $1.42B $1.75B
Investing Cash Flow - - $-400.28M $968.68M
Stock Repurchased - - $92.27M $123.56M
Dividends Paid - - $114.00M $110.48M
Financing Cash Flow - - $-400.31M $-1.22B

All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.

Annual data represents full fiscal year results. FY = Fiscal Year ending.

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