Commerce Bancshares Reports Strong Fourth Quarter Results

Commerce Bancshares, Inc. (NASDAQ: CBSH), the regional bank holding companyheadquartered in Kansas City, Missouri, announced solid financial results for the fourth quarterended December 31, 2025. The company delivered earnings and revenues that exceeded Wall Street’sconsensus expectations, driven by growth in interest income and fee-based services.

Record Revenue and Improved Profitability

For the fourth quarter, Commerce generated total revenue of approximately$449.4 million, topping analysts’ predictions of about $442.8 million.This marked a year-over-year increase compared to the same period in 2024.

Net income attributable to the company for the quarter was reported at around$140.7 million, illustrating continued profitability and operational strength.Earnings per share (EPS) were $1.01, beating the consensus estimate of around $1.00.This performance highlighted incremental improvement in earnings compared with many analyst forecasts.

Key Financial Metrics

• Total Revenue: ~$449.4 million (above consensus)
• Net Income: ~$140.7 million
• Earnings Per Share (EPS): $1.01 (beat estimates)
• Net Interest Income: Increased compared with the prior year, supported by loan and deposit growth.
• Non-Interest Income: Grew on higher fees and trust services revenue.

Management Commentary

Commerce’s leadership emphasized that the quarter’s results reflect the company’s diversebusiness model and strong customer service. The growth in both net interest income and fee incomesupported the overall record revenue performance. ��citeturn0search5

Balance Sheet and Credit Quality

The bank maintained strong credit metrics with non-accrual loans remaining at a low percentageof total loans. Average loans and deposits both increased during the quarter, further strengtheningthe balance sheet and positioning the company for future growth.

Year-End Results and Full Year 2025

For the full 2025 fiscal year, Commerce Bancshares reported total revenue and earnings thatshowed growth compared with 2024 figures. The bank’s annual net income and EPS both reflectedpositive momentum, driven by continued expansion of core banking services and contributions fromnon-interest income sources.

Outlook and Investor Takeaways

Investors and analysts generally viewed the quarterly results positively, as the companyexceeded revenue and earnings expectations. Commerce Bancshares’ ability to grow net interestincome and diversify its income streams helped it outperform consensus forecasts. Continued focuson disciplined credit quality and operational efficiency may support future performance.

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