Summary
CBSH Chart
HBAN vs. CBSH: Which Stock Is the Better Value Option?
Investors with an interest in Banks - Midwest stocks have likely encountered both Huntington Bancshares (HBAN) and Commerce Bancshares (CBSH). But which of these two companies is the best option for those looking for undervalued stocks?
Commerce Bancshares: Soft Results Drive Shares To Historically Cheap Levels (Rating Upgrade)
Missouri-based Commerce Bancshares has been a weak performer so far this year, trailing the wider regional bank space by a double-digit margin. Most of this underperformance came following the bank's Q3 2025 results release, with Commerce missing on both the top and bottom lines. Some unrepresentative swings in certain revenue lines were partly to blame, while a higher credit loss charge isn't as concerning as it looks on paper.
Commerce Bancshares: Credit Fears Create Opportunity (Upgrade)
Commerce Bancshares shares have underperformed, but recent credit reserve build appears precautionary, not indicative of emerging credit issues. CBSH maintains strong capital ratios, stable deposits, and a highly liquid balance sheet, positioning it well for macroeconomic uncertainty. The FineMark acquisition will expand CBSH's wealth management presence, especially in Florida, and is viewed as an attractive bolt-on deal.
Commerce Bancshares, Inc. (CBSH) FAQ
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Commerce Bancshares, Inc. Profile
| - Industry | - Sector | John W. Kemper CEO | NASDAQ (NGS) Exchange | 200525103 CUSIP |
| US Country | 4,662 Employees | 2 Dec 2025 Last Dividend | 29 Nov 2018 Last Split | - IPO Date |
Overview
Commerce Bancshares, Inc., serving as the bank holding company for Commerce Bank, provides a wide spectrum of banking products and services catering to individuals and businesses across the United States. With a rich history dating back to 1865, the company has established itself as a prominent financial entity headquartered in Kansas City, Missouri. Commerce Bancshares, Inc. organizes its operations into three primary segments: Consumer, Commercial, and Wealth, each focused on delivering specialized services designed to meet the diverse needs of its clientele.
Products and Services
- Consumer Banking Services:
This segment offers a variety of banking products and services, including consumer deposits and loans (covering automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed-rate and revolving home equity, and other consumer loans). It also covers patient healthcare financing, real estate loans, indirect and other consumer financing, supported by a retail branch network. Additionally, personal mortgage banking, consumer installment lending, and consumer debit and credit bank cards are part of this segment.
- Commercial Banking Services:
Commercial services encompass corporate lending, leasing, international services, merchant and commercial bank card services, securities safekeeping, bond accounting services, business products, government deposits, and commercial cash management services. The segment also engages in selling fixed income securities to a diverse client base, including correspondent banks, corporations, public institutions, municipalities, and individuals.
- Wealth Management Services:
This segment is dedicated to providing traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services. Also included are private banking accounts, catering to the unique financial needs of wealthier clients. The holistic approach ensures a comprehensive management of clients’ wealth and investments.
- Additional Services:
Beyond the primary banking functions, Commerce Bancshares, Inc. also offers private equity investment, securities brokerage, insurance agency services, specialty lending, and leasing services. Enhancing customer convenience and accessibility, the company embraces digital innovation through online and mobile banking services, reflecting modern banking trends and customer demands.
Contact Information
