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Commerce Bancshares CBSH Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$449.4MBeat by $6.9M
EPS$1.01Beat by $0.02
Revenue estimate$442.5M
EPS estimate$0.99

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$449.4M+6.5%
Net income$140.7M+3.3%
EPS (diluted)$0.86+3.6%

Balance sheet

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Total debt$31.5M+0.8%
Total equity$3.8B+14.5%
Total assets$32.9B+2.9%

Cash flow

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Operating cash flow$266.3M—
CapEx$13.7M-2.0%
Free cash flow$252.6M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$7.28B-13.3%
Enterprise value$7.31B-13.2%
P/E12.9×-3.1×
P/S4.1×-0.9×

Profitability

See full
Net margin32.1%+0.3pp
FCF margin33.6%—

Returns & leverage

See full
Return on equity15.9%-0.9pp
Debt / equity0×0.0×

FAQ

When did Commerce Bancshares report Q4 2025 earnings?
Commerce Bancshares (CBSH) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Commerce Bancshares's Q4 2025 revenue and EPS?
Commerce Bancshares reported revenue of $449.4M and eps of $1.01 for Q4 2025.
Did Commerce Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $442.5M by $6.9M. EPS beat the consensus estimate of $0.99 by $0.02.
How did Commerce Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.2% from $423.1M a year earlier and eps grew 0.0% from $1.01.
Where can I find Commerce Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000022356-26-000002) and the 10-K periodic report (0000022356-26-000069) directly on SEC EDGAR. The filing index links above go to sec.gov.