---
schema_version: "secwatch.filing_event.v1"
accession: "0000022356-26-000002"
form_type: "8-K"
ticker: "CBSH"
cik: "0000022356"
company_name: "COMMERCE BANCSHARES INC /MO/"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:04:45.421707+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000022356-26-000002
- form_type: 8-K
- ticker: CBSH
- cik: 0000022356
- company_name: COMMERCE BANCSHARES INC /MO/
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/22356/000002235626000002/0000022356-26-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/22356/000002235626000002/cbsh-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000022356-26-000002
- JSON: https://secwatch.observer/filing/0000022356-26-000002.json
- Plain text: https://secwatch.observer/filing/0000022356-26-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.