
Commerce Bancshares (CBSH) Stock Forecast & Price Target
Commerce Bancshares (CBSH) Analyst Ratings
Bulls say
Commerce Bancshares Inc. demonstrates a positive financial outlook characterized by strong growth in tangible book value (TBV) and tangible common equity (TCE), reflecting continued top-tier profitability with a reported return on assets (ROA) of 1.78% and return on tangible common equity (ROTCE) of 15.9%. The bank has reported a 3% growth in end-of-period (EOP) loans, indicating robust demand within its commercial and industrial segments, along with ongoing client acquisition in its wealth management services. Additionally, Commerce Bancshares anticipates continued loan growth of 4.4% and deposit growth of 2.6%, with raised operating EPS projections for 2025 and 2026, suggesting a positive trajectory for net interest income (NII) and net interest margin (NIM).
Bears say
Commerce Bancshares Inc has faced significant headwinds, underperforming the KBW Regional Banking Index by 12% year-to-date, which has led to a substantial decline in its share valuation to some of the lowest levels seen in the past five years. The company's net interest margin (NIM) has compressed, with recent reports indicating a decrease to 3.64%, exacerbated by lower cash and securities yields that have contributed to a reduction in net interest income (NII). Furthermore, reduced balance sheet growth and heightened competition within the commercial real estate sector have prompted the company to revise its operating earnings per share estimates downward by 2%-3% for 2025 and 2026, reflecting an overall negative outlook for the bank’s financial performance.
This aggregate rating is based on analysts' research of Commerce Bancshares and is not a guaranteed prediction by Public.com or investment advice.
Commerce Bancshares (CBSH) Analyst Forecast & Price Prediction
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