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/research/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/research/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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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

CBSH Stock Analysis & AI Quality Score

AI stock analysis and institutional research for COMMERCE BANCSHARES INC /MO/ (CBSH), a Financials sector company. CBSH is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. 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.

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

4.3%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+106.3% YoY

$18.5MFY 2025

FY19 $8.0MFY20 $8.6MFY22 $8.9MFY25 $18.5M

Net Income

+15.9% YoY

$566.3MFY 2025

FY19 $421.2MFY20 $354.1MFY22 $488.4MFY25 $566.3M

EPS (Diluted)

+21.2% YoY

$4.04FY 2025

FY19 $3.10FY20 $2.51FY22 $3.33FY25 $4.04

Total Assets

+3.3% YoY

$32.92BFY 2025

FY19 $26.07BFY20 $32.92BFY22 $31.88BFY25 $32.92B

Total Debt

—FY 2025

FY19 —FY20 —FY22 —FY25 —

Op. Cash Flow

+15.3% YoY

$645.1MFY 2025

FY19 $512.8MFY20 $624.0MFY22 $559.4MFY25 $645.1M

Metric	FY 2025	FY 2022	FY 2020	FY 2019	FY 2018	FY 2017
Revenue	$18.5M +106.3%	$8.9M +4.2%	$8.6M +8.0%	$8.0M	—	—
Net Income	$566.3M +15.9%	$488.4M +37.9%	$354.1M -15.9%	$421.2M -2.8%	$433.5M +35.7%	$319.4M
EPS (Diluted)	$4.04 +21.2%	$3.33 +32.6%	$2.51 -18.8%	$3.10 -5.2%	$3.27 +30.9%	$2.50
Total Assets	$32.92B +3.3%	$31.88B -3.2%	$32.92B +26.3%	$26.07B +2.4%	$25.46B +2.5%	$24.83B
Total Debt	—	—	—	—	—	$1.8M
Operating Cash Flow	$645.1M +15.3%	$559.4M -10.4%	$624.0M +21.7%	$512.8M -7.2%	$552.7M +29.6%	$426.5M

AI Insight: CBSH Financial Trends

Net income stability masks equity deterioration; operating cash flow surged to $685M in Q1 2026 but leverage is rising.

• Net income remained flat Q2 2024–Q1 2026, ranging $132M–$152M with no clear trend direction.

• Operating cash flow rebounded sharply to $685M in Q1 2026, up from $129M in Q3 2025 and $111M in Q2 2025.

• Total equity grew from $3,138M (Q2 2024) to $4,302M (Q1 2026), but debt data unavailable; leverage ratios cannot be assessed.

⚠ Q4 2024 saw negative operating cash flow of −$137M; isolated event but signals potential seasonal or working-capital volatility.

⚠ Revenue reported as $0M across all quarters—likely data collection issue. Profitability trends unmoored from top-line context.

AI Insight: CBSH Ratio Trends

CBSH profitability metrics have contracted materially over the past year, with ROE falling from 17.8% in Q2 2024 to 13.2% in Q1 2026 and ROIC dropping from 22.9% to 17.2%.

• ROE declined 4.6pp from Q2 2024 (17.8%) to Q1 2026 (13.2%), signaling persistent pressure on shareholder returns.

• ROIC fell 5.7pp over same period (22.9% to 17.2%), suggesting deteriorating capital efficiency.

• ROA remained relatively stable in 1.6–1.9% range, indicating loan yield and credit quality not primary drivers of decline.

⚠ Q1 2026 marks lowest ROE (13.2%) and ROIC (17.2%) in dataset; monitor if Q2 2026 shows stabilization or continued deterioration.

⚠ Three consecutive quarters (Q4 2025, Q1 2026) show ROE below 14%, suggesting structural headwind rather than seasonal noise.

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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.
$636.4M12,934,752 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$433.2M8,804,534 sh
STATE STREET CORP
$347.7M7,066,546 sh
COMMERCE BANK
$344.9M7,010,289 sh
VANGUARD CAPITAL MANAGEMENT LLC
$306.3M6,226,145 sh
AMERICAN CENTURY COMPANIES INC
$306.2M6,223,791 sh
DIMENSIONAL FUND ADVISORS LP
$194.0M3,943,247 sh
GEODE CAPITAL MANAGEMENT, LLC
$146.4M2,975,298 sh
FIRST TRUST ADVISORS LP
$128.4M2,610,223 sh
MORGAN STANLEY
$112.8M2,292,802 sh

Fund	Value	Shares
BlackRock, Inc.	$636.4M	12,934,752
VANGUARD PORTFOLIO MANAGEMENT LLC	$433.2M	8,804,534
STATE STREET CORP	$347.7M	7,066,546
COMMERCE BANK	$344.9M	7,010,289
VANGUARD CAPITAL MANAGEMENT LLC	$306.3M	6,226,145
AMERICAN CENTURY COMPANIES INC	$306.2M	6,223,791
DIMENSIONAL FUND ADVISORS LP	$194.0M	3,943,247
GEODE CAPITAL MANAGEMENT, LLC	$146.4M	2,975,298
FIRST TRUST ADVISORS LP	$128.4M	2,610,223
MORGAN STANLEY	$112.8M	2,292,802

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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.

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.