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Commerce Bancshares CBSH Provision for Credit Losses

Provision for Credit Losses at other companies

BOK Financial logo
BOK FinancialBOKF
$0
JPMorgan Chase logo
JPMorgan ChaseJPM
$2.51B-24.1%
UMB Financial logo
UMB FinancialUMBF
$27M-68.6%
SouthState logo
SouthStateSSB
$10.81M-89.3%
Columbia Banking Systems logo
Columbia Banking SystemsCOLB
$28M+3.7%
East-West Bancorp logo
East-West BancorpEWBC
$36M-26.5%

Segments

By segment

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Retail banking segment$9.27M
Commercial segment$5.7M+971%
Wealth segment-$2K

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×

Where this comes from

Reported directly by Commerce Bancshares in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The official record: Commerce Bancshares’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's provision for credit losses?
Commerce Bancshares (CBSH) reported provision for credit losses of $10.96M in Q1 2026.
How has Commerce Bancshares's provision for credit losses changed year-over-year?
Commerce Bancshares's provision for credit losses decreased by 24.3% year-over-year, from $14.49M to $10.96M.
What is the long-term trend for Commerce Bancshares's provision for credit losses?
Over 4 years (2021 to 2025), Commerce Bancshares's provision for credit losses has grown at a -4.1% compound annual growth rate (CAGR), from -$66.33M to $56.14M.
What does provision for credit losses mean?
The amount of money a bank sets aside to cover potential losses from bad loans.
How do you interpret provision for credit losses?
An increase suggests management expects higher credit risk or economic deterioration, while a decrease may signal improved borrower creditworthiness.
How does provision for credit losses compare across companies?
Highly dependent on the specific loan mix (e.g., commercial vs. consumer) compared to regional bank peers.