Profitability
Weight: 25%
B-
64
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.6%
- Operating Margin Trend -3.49 pp/yr
CBSH
Commerce Bancshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
81
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.3%
- 5yr Share-Count CAGR -0.4%
Growth Quality
Weight: 10%
B+
78
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 37.0%
- 5yr EPS CAGR 2.3%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
94
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.11x
Balance Sheet
Weight: 30%
B-
68
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.5%
- Interest Coverage (EBIT/Int) 1.97x
Stability
Weight: 10%
B
74
- EPS Volatility (σ/μ) 0.30
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 added; 1 full exit.
- Holders
- 2 +1
- Avg Δ position
- +5.3%
- New buys
- 1
- Full exits
- 1