For the quarter ended June 2025, Commerce Bancshares (CBSH) reported revenue of $445.76 million, up 7.5% over the same period last year. EPS came in at $1.14, compared to $1.07 in the year-ago quarter.
The reported revenue represents a surprise of +3.58% over the Zacks Consensus Estimate of $430.36 million. With the consensus EPS estimate being $1.02, the EPS surprise was +11.76%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Commerce performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 54.8% versus 55.9% estimated by five analysts on average.
- Net Interest Margin (Net yield on interest earning assets): 3.7% compared to the 3.6% average estimate based on five analysts.
- Book value per share: $27.43 versus $26.85 estimated by four analysts on average.
- Average total interest earning assets: $30.63 billion versus the four-analyst average estimate of $30.64 billion.
- Annualized net loan charge-offs to total average loans: 0.2% versus the four-analyst average estimate of 0.3%.
- Non-accrual loans: $18.87 million compared to the $21.76 million average estimate based on two analysts.
- Tier I Leverage Ratio: 12.8% versus 12.4% estimated by two analysts on average.
- Total Non-Interest Income: $165.61 million versus the five-analyst average estimate of $157.57 million.
- Fully-taxable equivalent net interest income: $282.43 million compared to the $275.75 million average estimate based on five analysts.
- Trust fees: $55.57 million versus the four-analyst average estimate of $55.69 million.
- Bank card transaction fees: $46.36 million compared to the $47.42 million average estimate based on four analysts.
- Deposit account charges and other fees: $26.25 million compared to the $26.19 million average estimate based on four analysts.
View all Key Company Metrics for Commerce here>>>
Shares of Commerce have returned +5% over the past month versus the Zacks S&P 500 composite's +4.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Commerce Bancshares, Inc. (CBSH): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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