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Commerce Bancshares CBSH Consumer segment — Net Interest Income

Discontinued — last reported Q3 '25

Other segment segments

Commercial segment
$133.6M+0.3%
Retail banking segment
$122.57M
Wealth segment
$46.12M+108%

Similar metrics at other companies

Citizens Financial Group logo
CFGConsumer Banking — Net Interest Income
$1.31B+9.7%
Webster Financial Corporation logo
WBSConsumer Banking — Net Interest Income
$208.32M+3.1%
Citizens Financial Group logo
CFGConsumer Banking — Interest Income Expense Net
$1.31B+9.7%
Bank of America logo
BACConsumer Banking — Net Interest Income
$8.99B+5.7%
Valley National Bank logo
VLYConsumer Banking — Net Interest Income
$73.08M+28.2%
Western Alliance Bancorporation logo
WALConsumer Related Segment — Net Interest Income
$484.6M+21.4%

Other financials

Income statement

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

Balance sheet

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

Cash flow

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

Valuation

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

Profitability

See full
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 us-gaap:InterestIncomeExpenseNet.

The official record: Commerce Bancshares’s 10-Q, filed November 10, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's consumer segment — net interest income?
Commerce Bancshares (CBSH) reported consumer segment — net interest income of $126.61M in Q3 2025.
How has Commerce Bancshares's consumer segment — net interest income changed year-over-year?
Commerce Bancshares's consumer segment — net interest income decreased by 1.8% year-over-year, from $128.9M to $126.61M.
What is the long-term trend for Commerce Bancshares's consumer segment — net interest income?
Over 3 years (2021 to 2024), Commerce Bancshares's consumer segment — net interest income has grown at a 13.7% compound annual growth rate (CAGR), from $348.57M to $512.22M.
What does consumer segment — net interest income mean?
The profit earned from the spread between interest collected on consumer loans and interest paid on consumer deposits.
How do you interpret consumer segment — net interest income?
Higher values indicate stronger core banking profitability and effective interest rate management.
How does consumer segment — net interest income compare across companies?
A standard core metric for all retail banking segments across the financial services industry.