Commerce Bancshares (CBSH) reported $440.97 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 4.7%. EPS of $1.06 for the same period compares to $1.07 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $438.41 million, representing a surprise of +0.58%. The company delivered an EPS surprise of -2.75%, with the consensus EPS estimate being $1.09.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 55.3% versus 55.1% estimated by five analysts on average.
- Net Interest Margin (Net yield on interest earning assets): 3.6% versus the five-analyst average estimate of 3.7%.
- Annualized net loan charge-offs to total average loans: 0.2% versus the four-analyst average estimate of 0.3%.
- Book value per share: $28.51 compared to the $28.23 average estimate based on four analysts.
- Average total interest earning assets: $30.73 billion versus $30.74 billion estimated by four analysts on average.
- Tier I Leverage Ratio: 13% versus the two-analyst average estimate of 12.7%.
- Non-accrual loans: $16.25 million compared to the $19.88 million average estimate based on two analysts.
- Total Non-Interest Income: $161.51 million versus $160.81 million estimated by five analysts on average.
- Fully-taxable equivalent net interest income: $281.77 million compared to the $283.17 million average estimate based on five analysts.
- Trust fees: $58.41 million compared to the $56.32 million average estimate based on four analysts.
- Bank card transaction fees: $45.55 million versus the four-analyst average estimate of $47.08 million.
- Deposit account charges and other fees: $27.43 million versus $26.29 million estimated by four analysts on average.
View all Key Company Metrics for Commerce here>>>
Shares of Commerce have returned -4.4% over the past month versus the Zacks S&P 500 composite's +0.9% 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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