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Upturn AI SWOT - About
CBSH 
Commerce Bancshares Inc (CBSH)
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Upturn Advisory Summary
04/01/2025: CBSH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -10.5% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.33B USD | Price to earnings Ratio 16.06 | 1Y Target Price 69.08 |
Price to earnings Ratio 16.06 | 1Y Target Price 69.08 | ||
Volume (30-day avg) 657482 | Beta 0.78 | 52 Weeks Range 47.71 - 72.14 | Updated Date 04/1/2025 |
52 Weeks Range 47.71 - 72.14 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.77% | Basic EPS (TTM) 3.87 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.28% | Operating Margin (TTM) 45.42% |
Management Effectiveness
Return on Assets (TTM) 1.68% | Return on Equity (TTM) 16.97% |
Valuation
Trailing PE 16.06 | Forward PE 16.39 | Enterprise Value 7237384704 | Price to Sales(TTM) 5.11 |
Enterprise Value 7237384704 | Price to Sales(TTM) 5.11 | ||
Enterprise Value to Revenue 4.63 | Enterprise Value to EBITDA - | Shares Outstanding 134074000 | Shares Floating 122308561 |
Shares Outstanding 134074000 | Shares Floating 122308561 | ||
Percent Insiders 2.54 | Percent Institutions 73.85 |
Analyst Ratings
Rating 2.86 | Target Price 69.75 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 5 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Commerce Bancshares Inc
Company Overview
History and Background
Commerce Bancshares, Inc. was founded in 1865 in Kansas City, Missouri. It began as a small bank serving the local community and has grown through organic expansion and acquisitions to become a regional financial services company.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers checking and savings accounts, mortgage loans, credit cards, and other financial services to individuals.
- Wealth Management: Provides investment management, trust, and financial planning services to high-net-worth individuals and families.
- Payment Solutions: Offers merchant processing services and other payment-related solutions to businesses.
Leadership and Structure
The leadership team includes John Kemper (Chairman and CEO). The organizational structure is a traditional hierarchical model with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share data is not publicly available in a consolidated format. Competitors: U.S. Bank, Wells Fargo, Bank of America.
- Deposit Accounts: Checking and savings accounts offered to individuals and businesses. Market share data is not publicly available in a consolidated format. Competitors: U.S. Bank, Wells Fargo, Bank of America.
- Wealth Management Services: Investment advisory and trust services. Revenue numbers are not broken down into specific numbers. Competitors: Edward Jones, Stifel Financial, Morgan Stanley.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. It is impacted by interest rate changes, economic conditions, and technological advancements.
Positioning
Commerce Bancshares is a regional bank known for its strong customer relationships and conservative lending practices. Its competitive advantage lies in its local market expertise and high level of customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in Commerce Bancshares' geographic footprint is substantial, estimated in the billions of dollars. Commerce Bancshares holds a significant regional presence but faces competition from larger national banks.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Conservative lending practices
- Experienced management team
- Strong capital base
- Regional Expertise
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on regional economy
- Slower Tech Adaptation
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increased competition from national banks
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- WFC
- BAC
Competitive Landscape
Commerce Bancshares competes with national and regional banks, as well as non-bank financial services providers. Its advantages include its strong customer relationships and local market expertise. Disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Commerce Bancshares has grown steadily over the years through organic expansion and acquisitions. Growth rates have varied depending on economic conditions and strategic initiatives.
Future Projections: Future growth is expected to be driven by continued expansion in existing markets, new market entry, and growth in its wealth management business. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of its wealth management services.
Summary
Commerce Bancshares is a financially sound regional bank with a strong customer base and conservative lending practices. Its growth is constrained by its limited geographic diversification and smaller scale compared to national banks. The company should focus on expanding its digital banking capabilities and diversifying its revenue streams.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Sources
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial data can vary and may not always be publicly available.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Commerce Bancshares Inc
Exchange NASDAQ | Headquaters Kansas City, MO, United States | ||
IPO Launch date 1984-09-07 | President, CEO & Director Mr. John W. Kemper | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4537 | Website https://www.commercebank.com |
Full time employees 4537 | Website https://www.commercebank.com | ||
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Consumer, Commercial, and Wealth. The Consumer segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.
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