What is the 13F Pro Quality Score for CBSH?

13F Pro ranks COMMERCE BANCSHARES INC /MO/ (CBSH) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CBSH's current score at https://13fpro.ai/company/CBSH (free sign-up required for the full ranking).

Which hedge funds own the most CBSH stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CBSH include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/CBSH as soon as new 13F filings post.

Where does 13F Pro source CBSH data?

All COMMERCE BANCSHARES INC /MO/ fundamentals and ownership data come directly from SEC EDGAR. COMMERCE BANCSHARES INC /MO/ files with the SEC under CIK 22356. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CBSH in?

COMMERCE BANCSHARES INC /MO/ (CBSH) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CBSH research updated on 13F Pro?

CBSH's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

COMMERCE BANCSHARES INC /MO/(CBSH)Stock Analysis

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SEC EDGAR: CIK 22356 CBSH stock profile & AI dashboard →

13F Pro Quality Score

59.1/100

Rank #951 of 2,960 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

50.3/100

Profitability

89.6/100

Balance Sheet

50.7/100

Earnings Quality

80.6/100

Free Cash Flow

97.5/100

Institutional Flow

68.1/100

Revenue Scale

61.1/100

Dilution Risk

3.3/100

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Why CBSH Scores 59/100

exact factor attribution · 2026-09-12

CBSH's composite is driven by profitability and free cash flow, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.9 pts

90th pct

Free cash flow

+7.1 pts

98th pct

Earnings quality

+3.1 pts

81th pct

Scale

+2.2 pts

61th pct

Institutional flow

+1.2 pts

68th pct

Earnings growth

+0.7 pts

61th pct

Capital efficiency

+0.1 pts

51th pct

Revenue growth

+0.1 pts

50th pct

Shareholder dilution

-3.1 pts

3th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CBSH Stock Analysis & AI Quality Score

Data updated 2026-09-12

AI stock analysis and institutional research for COMMERCE BANCSHARES INC /MO/ (CBSH), a Financials sector company. 13F Pro's AI-powered ranking engine scores CBSH at 59.1/100 on a 32-signal composite quality model, placing it at rank #951 of 2,960 stocks — the top half of the AI-ranked universe. CBSH scores in the top quartile across free cash flow (97.5), profitability (89.6), earnings quality (80.6). Shareholder dilution risk is elevated at 3.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), COMMERCE BANCSHARES INC /MO/ reports quarterly revenue of $475.7M, net income of $141.6M, an operating margin of 38.9%. Top institutional holders of CBSH by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. CBSH trades on the Nasdaq exchange and files with the SEC under CIK 22356. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CBSH daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for COMMERCE BANCSHARES INC /MO/ directly from SEC EDGAR. COMMERCE BANCSHARES INC /MO/'s 13F Pro composite quality score has ranged between 39 and 62 since 2026, currently 59.1 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about COMMERCE BANCSHARES INC /MO/

Quirks, history, and lore behind CBSH — the kind of stuff that makes a stock memorable.

1
The Basics
A Midwestern regional bank holding company · listed on Nasdaq · headquartered in Missouri · focused on commercial and retail banking.
2
The Numbers
Total assets in the range of $35–40 billion, making it a mid-size regional player — big enough to matter, small enough that Wall Street rarely tweets about it.
3
The History
Traces its roots back to the late 19th century, giving it well over a 100-year operating history in the heartland — surviving depressions, recessions, and plenty of Missouri winters.
4
The Secret
It has built a reputation as one of the most consistently profitable and conservatively managed regional banks in the country, with a long track record of dividend payments that income investors quietly love.
5
The Lore
It operates primarily across Missouri, Kansas, Illinois, and neighboring states, with a footprint that mirrors the agricultural and commercial heartland economy it has served for generations.
6
The Giveaway
Its ticker starts with the same four letters as its name, and its name literally tells you it's a commerce-focused bank based in the Show-Me State — and it's been showing steady returns since the 1800s.

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Revenue

Q1 2026

$475.7M

Net Income

Q1 2026

$141.6M

Free Cash Flow

Q1 2026

$678.4M

Operating Margin

Q1 2026

38.9%

ROIC

Q1 2026

17.2%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+6.5% YoY

$1.76BFY 2025

FY22 $1.49BFY23 $1.57BFY24 $1.66BFY25 $1.76B

Net Income

+7.6% YoY

$566.3MFY 2025

FY22 $488.4MFY23 $477.1MFY24 $526.3MFY25 $566.3M

EPS (Diluted)

+15.0% YoY

$4.04FY 2025

FY22 $3.33FY23 $3.14FY24 $3.51FY25 $4.04

Total Assets

+2.9% YoY

$32.92BFY 2025

FY22 $31.88BFY23 $31.70BFY24 $32.00BFY25 $32.92B

Op. Cash Flow

+11.6% YoY

$645.1MFY 2025

FY22 $559.4MFY23 $488.8MFY24 $577.9MFY25 $645.1M

Free Cash Flow

+11.4% YoY

$592.4MFY 2025

FY22 $494.2MFY23 $400.7MFY24 $531.7MFY25 $592.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.76B +6.5%	$1.66B +5.4%	$1.57B +5.5%	$1.49B +6.7%	$1.40B +4.5%	$1.34B
Net Income	$566.3M +7.6%	$526.3M +10.3%	$477.1M -2.3%	$488.4M -8.0%	$530.8M +49.9%	$354.1M
EPS (Diluted)	$4.04 +15.0%	$3.51 +11.8%	$3.14 -5.7%	$3.33 -10.5%	$3.72 +48.1%	$2.51
Total Assets	$32.92B +2.9%	$32.00B +0.9%	$31.70B -0.5%	$31.88B -13.1%	$36.69B +11.4%	$32.92B
Operating Cash Flow	$645.1M +11.6%	$577.9M +18.2%	$488.8M -12.6%	$559.4M -6.4%	$597.7M -4.2%	$624.0M
Free Cash Flow	$592.4M +11.4%	$531.7M +32.7%	$400.7M -18.9%	$494.2M -8.7%	$541.0M -8.4%	$590.9M

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Available Research

13F Pro tracks comprehensive data for COMMERCE BANCSHARES INC /MO/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CBSH

BlackRock, Inc.
$755.7M13,085,173 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$521.2M9,024,602 sh
STATE STREET CORP
$424.7M7,353,946 sh
AQR CAPITAL MANAGEMENT LLC
$378.0M6,544,830 sh
VANGUARD CAPITAL MANAGEMENT LLC
$358.9M6,214,564 sh
AMERICAN CENTURY COMPANIES INC
$342.9M5,937,371 sh
COMMERCE BANK
$316.0M5,472,030 sh
DIMENSIONAL FUND ADVISORS LP
$240.5M4,164,812 sh
GEODE CAPITAL MANAGEMENT, LLC
$173.8M3,008,073 sh
FIRST TRUST ADVISORS LP
$130.1M2,253,013 sh

Fund	Value	Shares
BlackRock, Inc.	$755.7M	13,085,173
VANGUARD PORTFOLIO MANAGEMENT LLC	$521.2M	9,024,602
STATE STREET CORP	$424.7M	7,353,946
AQR CAPITAL MANAGEMENT LLC	$378.0M	6,544,830
VANGUARD CAPITAL MANAGEMENT LLC	$358.9M	6,214,564
AMERICAN CENTURY COMPANIES INC	$342.9M	5,937,371
COMMERCE BANK	$316.0M	5,472,030
DIMENSIONAL FUND ADVISORS LP	$240.5M	4,164,812
GEODE CAPITAL MANAGEMENT, LLC	$173.8M	3,008,073
FIRST TRUST ADVISORS LP	$130.1M	2,253,013

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Is CBSH a good stock to buy?

13F Pro's AI-powered analysis of COMMERCE BANCSHARES INC /MO/ (CBSH) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CBSH are available on the CBSH stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CBSH is classified as a mid company.

Which hedge funds own CBSH?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CBSH. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of COMMERCE BANCSHARES INC /MO/'s investment landscape.