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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$498.9M+11.9%
Net income$159.8M+4.8%
EPS (diluted)$1.10+0.9%

Balance sheet

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Total debt$31.5M+0.8%
Total equity$4.4B+19.7%
Total assets$35.3B+9.2%

Cash flow

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Operating cash flow$181.9M+63.6%
CapEx$12.8M+19.5%
Free cash flow$169.1M+68.2%

Valuation

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Market cap$8.58B+6.8%
P/E14.7×+0.3×
P/S4.6×-0.1×

Profitability

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Net margin31.3%-1.2pp
FCF margin65.1%

Returns & leverage

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Return on equity14.6%-1.9pp
Debt / equity0.0×

Where this comes from

Reported directly by Commerce Bancshares in its filing.

Tagged under the XBRL concept cbsh:AverageLoanPortfolioIncludingHeldForSale.

The source filing: Commerce Bancshares’s 10-K, filed February 24, 2026.

Filed
Feb 24, 2026, 4:57 PM EST
Fiscal year
FY2025
Accession
0000022356-26-000069
(In thousands)Retail BankingCommercialWealthOther/EliminationConsolidated Totals
Average balances for 2025:
Assets$3,880,476$11,908,485$2,178,209$13,699,433$31,666,603
Loans, including held for sale3,732,32611,576,8782,160,1547,32517,476,683
Goodwill and other intangible assets80,49775,1337463,600159,976
Deposits12,313,18910,274,7022,527,562(77,764)25,037,689
Average balances for 2024:
Assets$3,978,303$11,617,602$1,965,266$13,124,109$30,685,280
Loans, including held for sale3,830,31011,302,7541,949,1277,40617,089,597

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

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?
This metric measures the average outstanding balance of loans originated or held by the commercial segment, including those classified as held for sale. It serves as a primary indicator of the segment's lending activity and its role in driving interest-based revenue. Tracking this provides insight into the bank's appetite for commercial credit risk and its success in capturing market share in business lending.

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