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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Commerce Bancshares
Commerce Bancshares (CBSH) investor relations material
Commerce Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Q4 2025 net income was $141M, up year-over-year, with EPS of $1.01, a 5% increase from the prior year.
Record revenues in Q4 were driven by strong net interest and non-interest income.
Completed the FineMark acquisition on January 1, 2026, valued at $529M, adding $2.7B in loans, $2.1B–$3.1B in deposits, and $8.7B in trust assets, expanding presence in Florida, Arizona, and South Carolina.
Maintained a strong capital position with a Tier 1 common risk-based capital ratio of 17.46%.
Financial highlights
Net interest income increased 6% year-over-year to $283M; non-interest income rose 7% to $166M.
Non-interest expense grew 7% year-over-year, including $3M in acquisition-related costs and higher salaries and benefits.
Efficiency ratio was 56.2%.
Book value per share increased 17% year-over-year to $27.75.
2.2M shares repurchased for $115M in Q4 at an average price of $53.29.
Outlook and guidance
$1.2B in investment maturities and paydowns expected over the next 12 months.
Four interest rate floor contracts in place to hedge against declining rates.
Management expects the FineMark acquisition to strengthen the platform for sustained growth in wealth management and private banking.
Forward-looking statements caution that actual results may differ due to significant risks and uncertainties.
FineMark acquisition's Q4 related costs?
What drove net yield decline despite NII growth?
Why did loan loss allowance increase despite lower NCOs?
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Next Commerce Bancshares earnings date
Q1 202615 Apr, 2026
Commerce Bancshares
Next Commerce Bancshares earnings date
Q1 202615 Apr, 2026
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Frequently asked questions
Commerce Bancshares, Inc. (CBSH) is a regional bank holding company that operates primarily through its subsidiary, Commerce Bank. The company provides a wide range of financial services, including personal and business banking, mortgage banking, and wealth management. It operates through three main segments: Consumer, Commercial, and Wealth. The Consumer segment offers services like consumer loans, mortgage banking, and various deposit products. The Commercial segment provides services such as corporate lending, leasing, and cash management, while the Wealth segment focuses on trust services, estate planning, and investment management. The company is headquartered in Kansas City, Missouri, and its shares are listed on the NASDAQ.
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