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Discontinued — last reported Q4 '25

Total debt at other companies

Old National Bancorp logo
Old National BancorpONB
$243.33M+11.6%
Valley National Bank logo
Valley National BankVLY
$63.88M+8.2%
BOK Financial logo
BOK FinancialBOKF
$228.12M-8.3%
UMB Financial logo
UMB FinancialUMBF
$477.16M-27.1%
JPMorgan Chase logo
JPMorgan ChaseJPM
U.S. Bancorp logo
U.S. BancorpUSB

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 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

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $31.46M.

The official record: Commerce Bancshares’s 10-K, filed February 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Commerce Bancshares's total debt?
Commerce Bancshares (CBSH) reported total debt of $31.46M in Q4 2025.
How has Commerce Bancshares's total debt changed year-over-year?
Commerce Bancshares's total debt increased by 0.8% year-over-year, from $31.2M to $31.46M.
What is the long-term trend for Commerce Bancshares's total debt?
Over 5 years (2020 to 2025), Commerce Bancshares's total debt has grown at a 1.5% compound annual growth rate (CAGR), from $29.2M to $31.46M.
What does total debt mean?
The total amount of money the company owes to banks, bondholders, and other lenders.
How do you interpret total debt?
An increase in total debt may signal aggressive expansion or a need for liquidity, while a decrease indicates deleveraging or improved internal cash generation. High levels of debt relative to equity can increase financial risk, particularly in rising interest rate environments.
How does total debt compare across companies?
Regional banks typically maintain debt levels proportional to their regulatory capital requirements and asset-liability management strategies, often benchmarking against peer leverage ratios like debt-to-equity or debt-to-assets.