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Commerce Bancshares CBSH Q3 2025 earnings

Reported October 16, 2025 · Before market open

Revenue$448.9MBeat by $1.4M
EPS$1.06Beat by $0.02
Revenue estimate$447.5M
EPS estimate$1.04

Next report

Oct 15, 2026 (in 2 months)
Revenue estimate$499.8M
EPS estimate$1.08

Financials

Q3 2025

Income statement

See full
Revenue$441.0M+4.6%
Net income$141.5M+2.5%
EPS (diluted)$1.06+5.0%

Balance sheet

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Total equity$3.8B+9.9%
Total assets$32.3B+2.5%

Cash flow

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Operating cash flow$129.0M-70.1%
CapEx$15.7M+24.9%
Free cash flow$113.3M-73.0%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$7.96B+9.2%
P/E14.2×-0.4×
P/S4.6×+0.1×

Profitability

See full
Net margin32.3%+1.6pp

Returns & leverage

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Return on equity15.6%-1.0pp

FAQ

When did Commerce Bancshares report Q3 2025 earnings?
Commerce Bancshares (CBSH) reported Q3 2025 earnings on October 16, 2025 before market open.
What were Commerce Bancshares's Q3 2025 revenue and EPS?
Commerce Bancshares reported revenue of $448.9M and eps of $1.06 for Q3 2025.
Did Commerce Bancshares beat estimates in Q3 2025?
Revenue beat the consensus estimate of $447.5M by $1.4M. EPS beat the consensus estimate of $1.04 by $0.02.
How did Commerce Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.6% from $425.2M a year earlier and eps declined 0.9% from $1.07.
Where can I find Commerce Bancshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000022356-25-000089) and the 10-Q periodic report (0000022356-25-000093) directly on SEC EDGAR. The filing index links above go to sec.gov.