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Commerce Bancshares (CBSH) investor relations material
Commerce Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Q3 2025 earnings per share were $1.06, up from $1.01 in Q3 2024, with net income of $142M, a $4M increase year-over-year, though down from $1.14 EPS and $152.5M net income in Q2 2025.
Pre-tax, pre-provision net revenue (PPNR) rose to $197M, up $13M from the prior year.
Return on average assets (ROAA) was 1.78% and return on average equity (ROAE) was 15.26%.
The company highlighted steady loan balances, robust fee income, and disciplined expense management.
Efficiency ratio improved to 55.3%.
Financial highlights
Net interest income increased 7% year-over-year to $279M; net interest margin decreased 6 bps sequentially to 3.64%.
Non-interest income grew 2% year-over-year to $161.5M, representing 37% of total revenue, but declined $4.1M sequentially.
Non-interest expense rose 3% year-over-year to $244M, with $1M in acquisition-related costs.
Book value per share increased 4% sequentially to $28.51.
Net securities gains were $7.9M, mainly from private equity portfolio adjustments.
Outlook and guidance
FineMark acquisition expected to close January 1, 2026, with all regulatory and shareholder approvals received.
$1.3B in investment maturities and paydowns expected over the next 12 months to support net interest income.
The company remains focused on executing long-term strategies and supporting future growth.
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Next Commerce Bancshares earnings date
Q4 202520 Jan, 2026
Next Commerce Bancshares earnings date
Q4 202520 Jan, 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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