Commerce Bancshares Reports Q4 2025 EPS of $1.01 and Record Revenues

COMMERCE BANCSHARES INC /MO/

2025-FY EPS reported $4.04 vs consensus $1.01 ▲ beat (+299.8%)

Q4 2025 net income $140.7M ($1.01 per share), up from $136.1M ($0.96) in Q4 2024.
Net interest income rose to $283.2M; net yield on interest earning assets was 3.60%.
Completed acquisition of FineMark on Jan 1, 2026, adding $2.7B loans, $3.1B deposits, $8.7B wealth assets.
Repurchased 2.2 million common shares in Q4; tangible common equity ratio grew 119 bps to 11.11%.
Full-year 2025 EPS $4.04 (up from $3.69), net income $566.3M, ROAA 1.79%, ROAE 15.76%.

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