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Commerce Bancshares Inc (CBSH) — chart, structure and Closelooknet read

The Closelooknet read

Commerce Bancshares is the holding company for Commerce Bank, serving individuals and businesses across the United States through three segments: Retail Banking, Commercial, and Wealth. Retail Banking covers consumer deposits, auto and home-equity loans, and card services; Commercial handles corporate lending, leasing, and cash management; Wealth offers trust, investment management, and private banking.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for CBSH, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sovereign pressure Index -1.91 · down 2.45 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-06
How it trades on rate days beta 0.25 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How CBSH has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.25 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), Commerce Bancshares Inc moved 0.25% on average · correlation 0.13 · higher than 17% of US names
  • Beta, last 3 months 0.46 more rate-sensitive lately than over the year
  • On the 10 worst bond days −0.11% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +0.31% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Banks - Regional · United States · 8 names with week and year-to-date

Peer group

Banks - Regional · United States

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against CBSH on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Commerce Bancshares Inc

CBSH in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Commerce Bancshares is the holding company for Commerce Bank, serving individuals and businesses across the United States through three segments: Retail Banking, Commercial, and Wealth. Retail Banking covers consumer deposits, auto and home-equity loans, and card services; Commercial handles corporate lending, leasing, and cash management; Wealth offers trust, investment management, and private banking. It also runs smaller lines in brokerage, insurance, and specialty lending. The bank is headquartered in Kansas City, Missouri.
Where it sits in the stack
Commerce Bancshares carries no seat in our Rubin or Halo indices, so it sits outside the AI build-out stack; it belongs to our Financial Services universe, within the Banks – Regional sleeve.
Who it is priced against
Its peer set within our regional bank sleeve is drawn from similarly sized US holding companies with retail, commercial and wealth arms; the wider market often names U.S. Bancorp as a comparison of scale.
Why Closelooknet tracks it
It holds a seat in the Russell 1000 but carries no Closelooknet score and has not yet appeared in any diary quotes or editions.
What the diary watches
The diary watches whether the balance between consumer, commercial and wealth income shifts as loan and deposit rates move, and whether the recent run of down sessions extends or steadies near the 200-day trend.

Commerce Bancshares Inc (CBSH) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 4 analyst actions on the wire · latest: price target by Piper Sandler, 2026-10-21

The Street on this name

Analyst actions and the latest print for CBSH from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Piper Sandler — target 60.5 from 63 Target cut to $60.5 from $63 (+8.9% to spot) 2026-10-21
  • Price target Stephens — target 62 from 64 Target cut to $62 from $64 (+11.6% to spot) 2026-10-21
  • Price target Wells Fargo — target 61 from 63 Target cut to $61 from $63 (+10.2% to spot) 2026-09-29

4 actions on the analyst wire since 2026-08-13: 4 target changes. Analyst wire → · Earnings wire →

Dividends and capital return trailing yield 6.69%, quarterly · last 0.28 USD on 2026-09-04

Dividends and capital return

What CBSH pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 3.68 USD per share · a 6.69% yield on the 2026-11-06 close 4 distributions, paid quarterly 2026-11-06
  • Change on the year −19.3% against the prior twelve months prior twelve months 4.57 USD per share
  • Last distribution 0.28 USD per share as the price series records it, within days of the ex-date 2026-09-04
  • By calendar year 2023: 0.27 USD (partial) · 2024: 4.55 USD · 2025: 3.68 USD · 2026: 0.83 USD to date first distribution recorded in the three-year window: 2023-12-01

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-07

Quick answers

What is Commerce Bancshares Inc (CBSH)?

Commerce Bancshares Inc trades as CBSH on the US exchange (United States) in the Closelooknet research universe, as of the registry build of 2026-11-07.

Is CBSH in a Closelooknet index?

Not currently — Commerce Bancshares Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-07.

Where does CBSH trade against its moving averages?

Commerce Bancshares Inc trades 1.9% below its 50-day and 1.4% above its 200-day moving average (0.6% below its 20-day). As of 2026-11-06 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does Commerce Bancshares Inc compare with its peers?

Against its peer group (Banks - Regional · United States), Commerce Bancshares Inc (CBSH) sits 9.7% below its 52-week high, 1.9% below its 50-day average; Bank First National Corp (BFC) is 6.7% below, Bank Ozk (OZK) is 5.2% below, First Citizens BancShares, Inc. (FCNCA) is 6.4% below, as of 2026-11-06. Put any of them next to CBSH in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Commerce Bancshares Inc trade when bond yields rise?

Over the past year Commerce Bancshares Inc had a beta of 0.25 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 17% of US names. On the 10 sessions in which long bonds fell most it moved −0.11% on average, against −0.74% for the S&P 500. As of 2026-11-06; The "How it trades on rate days" block on this page carries the lines.

What does Commerce Bancshares Inc do?

Commerce Bancshares is the holding company for Commerce Bank, serving individuals and businesses across the United States through three segments: Retail Banking, Commercial, and Wealth. Retail Banking covers consumer deposits, auto and home-equity loans, and card services; Commercial handles corporate lending, leasing, and cash management; Wealth offers trust, investment management, and private banking. It also runs smaller lines in brokerage, insurance, and specialty lending. Its peer set within our regional bank sleeve is drawn from similarly sized US holding companies with retail, commercial and wealth arms; the wider market often names U.S. Bancorp as a comparison of scale. (Company snapshot of 2026-09-17.)

Where does Commerce Bancshares Inc sit in the AI build-out?

Commerce Bancshares carries no seat in our Rubin or Halo indices, so it sits outside the AI build-out stack; it belongs to our Financial Services universe, within the Banks – Regional sleeve. It holds a seat in the Russell 1000 but carries no Closelooknet score and has not yet appeared in any diary quotes or editions. (Company snapshot of 2026-09-17.)

Does Commerce Bancshares Inc pay a dividend?

Commerce Bancshares Inc has paid 3.68 USD per share over the last twelve months, paid quarterly, a trailing yield of 6.69% on the 2026-11-06 close; the last distribution recorded in the price series was 0.28 USD on 2026-09-04. As of 2026-11-06; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on Commerce Bancshares Inc recently?

The most recent analyst action on Commerce Bancshares Inc on the Closelooknet wire is a price target by Piper Sandler on 2026-10-21 (target 60.5 from 63). 4 actions on the analyst wire since 2026-08-13: 4 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for CBSH, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.