CBSH PEER ANALYSIS

Commerce Bancshares Inc — metric-by-metric comparison with peers and the industry median

CBSHCommerce Bancshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CBSHIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CBSH	AKBNK	ISCTR	UNI	YKBNK	VAKBN	Ind. Median
P/E	14.89	6.10	4.76●	13.12	5.65	4.87	12.88
P/B	2.00	1.26	0.85●	1.18	1.17	0.96	1.28
EV/EBITDA	2.37	-1.70	-17.00●	12.39	-3.80	-5.61	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CBSH	AKBNK	ISCTR	UNI	YKBNK	VAKBN	Ind. Median
Current Ratio	3.58●	—	—	0.07	—	—	0.31
Debt/Equity	60.1%	0.0%●	0.0%●	126.7%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-8.08	-7.12	-28.33●	3.46	-9.43	-8.98	-0.58

Profitability
Metric	CBSH	AKBNK	ISCTR	UNI	YKBNK	VAKBN	Ind. Median
Net Margin	26.1%	27.4%	28.1%●	22.8%	23.3%	21.4%	20.6%
ROE	14.8%	23.0%	20.2%	9.2%	23.5%●	23.0%	10.9%
ROA	1.7%	2.0%●	1.8%	0.6%	1.9%	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CBSH	AKBNK	ISCTR	UNI	YKBNK	VAKBN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	5.7%	46.1%	71.8%	2.3%	85.7%●	34.4%	19.4%
Div. Yield	1.8%	—	—	—	—	—	2.5%
Payout	26.8%	—	—	—	—	—	31.4%

Valuation
Metric	CBSH	BOKF	VLY	WAL	PNFP	COLB	Ind. Median
P/E	14.89	13.73	12.68	9.42●	12.02	14.32	12.88
P/B	2.00	1.41	1.06	1.17	0.54●	1.22	1.28
EV/EBITDA	2.37	7.38	12.49	-2.05●	8.80	12.64	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CBSH	BOKF	VLY	WAL	PNFP	COLB	Ind. Median
Current Ratio	3.58	12.83●	9.49	0.21	0.90	3.56	0.31
Debt/Equity	60.1%	114.9%	38.9%●	89.8%	41.4%	52.1%	38.0%
NetDebt/EBITDA	-8.08	-2.35	3.05	-8.79●	-0.14	3.37	-0.58

Profitability
Metric	CBSH	BOKF	VLY	WAL	PNFP	COLB	Ind. Median
Net Margin	26.1%●	18.3%	18.6%	17.3%	16.3%	19.6%	20.6%
ROE	14.8%●	10.5%	8.6%	13.2%	6.2%	10.2%	10.9%
ROA	1.7%●	1.2%	1.0%	1.1%	0.7%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CBSH	BOKF	VLY	WAL	PNFP	COLB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	5.7%	9.7%	68.1%●	18.5%	32.6%	32.1%	19.4%
Div. Yield	1.8%	1.7%	3.0%	1.9%	1.2%	3.4%●	2.5%
Payout	26.8%	24.2%	42.4%	20.5%	24.1%	56.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.