Commerce Bancshares, Inc. cash flow to debt ratio of 21.49% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Commerce Bancshares, Inc.'s free cash flow has increased 11.41% from $531.73M last year to $592.39M, signaling increasing performance

Commerce Bancshares, Inc.'s debt to equity ratio is 0.56, which means that the company's assets are healthy financed, signaling financial stability.

Commerce Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.88 last year to 0.56 today, signaling strengthened financials

Commerce Bancshares, Inc. has a net cash position, so leverage is healthy.

Commerce Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Commerce Bancshares, Inc.'s profit margin has increased (6.98%) in the last year from 25.15% to 26.90%, signaling increasing performance

Commerce Bancshares, Inc.'s short-term assets of $9.90B exceed its short-term liabilities of $0.00

Commerce Bancshares, Inc.'s return on assets of 1.65% is lower than the 5.00% threshold, indicating inefficient asset utilization

Commerce Bancshares, Inc.'s return on equity of 14.39%, is lower than 15.00%, indicating bad performance

Commerce Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Commerce Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Commerce Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Commerce Bancshares, Inc. has a free cash flow yield of 6.93%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Commerce Bancshares, Inc.'s yearly earnings has increased 7.58% since last year from $526.33M to $566.25M, signaling increasing performance

Commerce Bancshares, Inc.'s yearly revenue has decreased 15.71% since last year from $2.09B to $1.76B, signaling decreasing performance

ROIC 5.97% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Commerce Bancshares, Inc.'s 3-year revenue CAGR of 10.96% is positive, indicating growing revenue over the past 3 years

Commerce Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Commerce Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Commerce Bancshares, Inc. is overvalued relative to its fair value price of 32.25 based on Discounted Cash Flow model

Commerce Bancshares, Inc. has an earnings yield of 6.90%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Commerce Bancshares, Inc. is overvalued relative to its fair value price of 21.66 based on EBITDA multiple model

Commerce Bancshares, Inc. has an EV/EBITDA ratio of 2.15x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Commerce Bancshares, Inc. is undervalued relative to its fair value price of 101.52 based on Earnings Fair Value model

Commerce Bancshares, Inc. has a PEG-ratio over 1 which is considered overvalued

Commerce Bancshares, Inc. has a price-to-book ratio of 1.93x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Commerce Bancshares, Inc. has a price-to-sales ratio of 3.90x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue