Commerce Bancshares (CBSH) reported $449.36 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 6.5%. EPS of $1.01 for the same period compares to $1.01 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $438.1 million, representing a surprise of +2.57%. The company delivered an EPS surprise of +1.72%, with the consensus EPS estimate being $0.99.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Commerce performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin (Net yield on interest earning assets): 3.6% versus 3.6% estimated by five analysts on average.
- Efficiency Ratio: 56.2% versus the five-analyst average estimate of 56.2%.
- Annualized net loan charge-offs to total average loans: 0.2% versus the four-analyst average estimate of 0.3%.
- Average total interest earning assets: $31.47 billion versus $31.02 billion estimated by four analysts on average.
- Book value per share: $27.75 versus the four-analyst average estimate of $27.83.
- Non-accrual loans: $15.75 million versus $16.96 million estimated by two analysts on average.
- Total Non-Interest Income: $166.21 million versus the five-analyst average estimate of $161.4 million.
- Fully-taxable equivalent net interest income: $285.83 million versus the five-analyst average estimate of $280.96 million.
- Trust fees: $62.13 million compared to the $58.71 million average estimate based on four analysts.
- Bank card transaction fees: $46.76 million versus the four-analyst average estimate of $46.62 million.
- Deposit account charges and other fees: $27.95 million versus the four-analyst average estimate of $26.87 million.
- Consumer brokerage services: $5.19 million compared to the $5.94 million average estimate based on three analysts.
View all Key Company Metrics for Commerce here>>>
Shares of Commerce have returned +3.9% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform 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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