Commerce Bancshares Inc (CBSH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Commerce Bancshares Inc stock (CBSH) is currently trading at $48.54. Commerce Bancshares Inc PE ratio is 11.99. Commerce Bancshares Inc PS ratio (Price-to-Sales) is 4.17. Analyst consensus price target for CBSH is $61.50. WallStSmart rates CBSH as Moderate Buy.
- CBSH PE ratio analysis and historical PE chart
- CBSH PS ratio (Price-to-Sales) history and trend
- CBSH intrinsic value — DCF, Graham Number, EPV models
- CBSH stock price prediction 2025 2026 2027 2028 2029 2030
- CBSH fair value vs current price
- CBSH insider transactions and insider buying
- Is CBSH undervalued or overvalued?
- Commerce Bancshares Inc financial analysis — revenue, earnings, cash flow
- CBSH Piotroski F-Score and Altman Z-Score
- CBSH analyst price target and Smart Rating
Commerce Bancshares Inc
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CBSH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Commerce Bancshares Inc (CBSH)
CBSH is trading near its Graham intrinsic value of $59.79, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Commerce Bancshares Inc (CBSH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Commerce Bancshares Inc (CBSH) Key Strengths (6)
Keeps $43 of every $100 in revenue after operating costs
Keeps $33 of every $100 in revenue as net profit
Trading at 1.88x book value, attractively priced
69.25% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
Commerce Bancshares Inc (CBSH) Areas to Watch (4)
Paying a premium for growth, expensive relative to earnings expansion
Premium valuation at 4.2x annual revenue
Modest revenue growth at 6.50%
Modest earnings growth at 5.00%
Commerce Bancshares Inc (CBSH) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.3/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.88) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 16.00%, Operating Margin at 42.60%, Profit Margin at 33.10%.
The Bear Case
The primary concerns are PEG Ratio, Price/Sales, Revenue Growth. Some valuation metrics including PEG Ratio (2.06), Price/Sales (4.17) suggest expensive pricing. Growth concerns include Revenue Growth at 6.50%, EPS Growth at 5.00%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.00% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 6.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (PEG Ratio, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CBSH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CBSH's Price-to-Sales ratio of 4.17x trades 28% below its historical average of 5.79x (4th percentile). The current valuation is 50% below its historical high of 8.29x set in Aug 2018, and 11% above its historical low of 3.77x in May 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Commerce Bancshares Inc (CBSH) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Commerce Bancshares Inc is a mature, profitable business with steady cash generation. Revenue reached 1.7B with 7% growth year-over-year. Profit margins are strong at 33.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1600.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.1% and operating margin of 42.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Commerce Bancshares Inc.
Bottom Line
Commerce Bancshares Inc is a well-established business delivering consistent profitability with 33.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Commerce Bancshares Inc(CBSH)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.