What is the long-term trend for Commerce Bancshares's consumer segment — provision for loan losses?

Over 2 years (2021 to 2023), Commerce Bancshares's consumer segment — provision for loan losses has grown at a 8.7% compound annual growth rate (CAGR), from $23.22M to $27.46M.

Commerce Bancshares CBSH Consumer Segment — Provision for loan losses

Discontinued — last reported Q3 '24

Similar metrics at other companies

WALConsumer Related Segment — Provision for (recovery of) credit losses

$6.4M+28.0%

HBANConsumer & Regional Banking — Provision for Credit Losses

$120M+155%

BOKFConsumer Banking — Provision for Credit Losses

$1.51M-0.6%

BACConsumer Banking — Provision for Credit Losses

$1.13B-12.4%

RFConsumer Bank — Provision for Credit Losses

$56M-5.1%

VLYConsumer Banking — Provision for Credit Losses

$1.21M+114%

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:ProvisionForLoanAndLeaseLosses.

The official record: Commerce Bancshares’s 10-Q, filed November 6, 2024, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's consumer segment — provision for loan losses?: Commerce Bancshares (CBSH) reported consumer segment — provision for loan losses of $9.53M in Q3 2024.
How has Commerce Bancshares's consumer segment — provision for loan losses changed year-over-year?: Commerce Bancshares's consumer segment — provision for loan losses increased by 35.2% year-over-year, from $7.05M to $9.53M.
What is the long-term trend for Commerce Bancshares's consumer segment — provision for loan losses?: Over 2 years (2021 to 2023), Commerce Bancshares's consumer segment — provision for loan losses has grown at a 8.7% compound annual growth rate (CAGR), from $23.22M to $27.46M.