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Commerce Bancshares CBSH Commercial Segment — Average Loans, including held for sale

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Other financials

Income statement

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Revenue$475.7M+11.1%
Net income$141.6M+7.6%
EPS (diluted)$0.96+3.2%

Balance sheet

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Total debt$31.5M+0.8%
Total equity$4.3B+23.7%
Total assets$35.7B+10.4%

Cash flow

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Operating cash flow$684.8M+394%
CapEx$6.4M-49.4%
Free cash flow$678.4M+438%

Valuation

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Market cap$7.98B-13.4%
P/E13.8×-3.0×
P/S4.4×-1.1×

Profitability

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Net margin31.8%-0.5pp
FCF margin63.2%

Returns & leverage

See full
Return on equity14.8%-2.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Commerce Bancshares in its filing.

Tagged under the XBRL concept cbsh:AverageLoanPortfolioIncludingHeldForSale.

The official record: Commerce Bancshares’s 10-K, filed February 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's commercial segment — average loans, including held for sale?
Commerce Bancshares (CBSH) reported commercial segment — average loans, including held for sale of $11.58B in Q4 2025.
How has Commerce Bancshares's commercial segment — average loans, including held for sale changed year-over-year?
Commerce Bancshares's commercial segment — average loans, including held for sale increased by 2.4% year-over-year, from $11.3B to $11.58B.
What does commercial segment — average loans, including held for sale mean?
The average total balance of all commercial loans held by the segment.
How do you interpret commercial segment — average loans, including held for sale?
Higher balances typically signal strong loan demand and growth in lending operations, whereas lower balances may reflect tighter credit standards or reduced market demand.
How does commercial segment — average loans, including held for sale compare across companies?
Commonly reported as 'Average Commercial Loans' in banking segment disclosures.