What does consumer segment — pre-tax income mean?

This is the total profit earned by the consumer segment before the deduction of income taxes. It serves as the primary measure of the segment's overall financial contribution to the bank's total pre-tax earnings. It allows investors to evaluate the segment's performance without the distortion of varying tax rates.

Commerce Bancshares CBSH Consumer segment — Pre-Tax Income

Discontinued — last reported Q3 '21

Similar metrics at other companies

RFConsumer Bank — Pre-Tax Income

$318M-0.6%

VLYConsumer Banking — Pre-Tax Income

$37.45M+0.4%

USBConsumer And Business Banking — Income (loss) before income taxes

$822M+3.3%

HBANConsumer & Regional Banking — Income (loss) before income taxes

$565M+39.9%

WALConsumer Related Segment — Income (loss) before provision for income taxes

$223.8M+36.5%

KEYConsumer Bank — Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest and Tax Equivalents

$229M+7.0%

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

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Return on equity14.8%-2.2pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Commerce Bancshares in its filing.

Tagged under the XBRL concept us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.

The official record: Commerce Bancshares’s 10-Q, filed November 5, 2021, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's consumer segment — pre-tax income?: Commerce Bancshares (CBSH) reported consumer segment — pre-tax income of $36.79M in Q3 2021.
What does consumer segment — pre-tax income mean?: This is the total profit earned by the consumer segment before the deduction of income taxes. It serves as the primary measure of the segment's overall financial contribution to the bank's total pre-tax earnings. It allows investors to evaluate the segment's performance without the distortion of varying tax rates.