NASDAQ$CBSH

Commerce Bancshares Inc · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Commerce Bancshares, Inc. reported earnings of $1.11 per share.

Commerce Bancshares, Inc. reported a strong first quarter with earnings per share of $1.11 and net income of $131.0 million. The company saw strong performance from fee-based businesses and a decline in non-interest expense. Net income was aided by the release of reserves for credit losses on loans.

  • Earnings per share were $1.11 for the quarter, compared to $0.42 in the same quarter last year.
  • Net income for the quarter amounted to $131.0 million, compared to $51.9 million in the first quarter of 2020.
  • Fee-based businesses accounted for 40% of total revenue.
  • Non-interest expense declined compared to the same quarter last year.

Headline financials

Total Revenue

$0.00

Previous: $0.00
EPS (adj)

$1.01

Previous: $0.40+152.5%
Return on Avg Assets

1.6%

Previous: 0.8%+103.7%
Efficiency Ratio

56.4%

Previous: 59.2%-4.7%
Capital Expenditures

-$10.7M

Previous: -$7.57M-41.7%
Free Cash Flow

$120M

Previous: $44.3M+171.5%
Net Income

$131M

Previous: $51.9M+152.6%
Operating Income

-$49.4M

Previous: -$69.1M+28.5%
Gross Profit

-$10.4M

Previous: -$12.5M+16.9%
Cash & Equivalents

$2.38B

Previous: $900M+164.7%
Total Assets

$33.3B

Previous: $26.8B+24.2%
Stock-Based Comp

$3.93M

Previous: $3.73M+5.5%

Revenue & EPS history

Commerce Bank · Revenue · Quarterly

$0

Q1 2021
Beat estimate in 3 of 16 quarters(19%)
ActualEstimate

Revenue by segment

Commerce Bank · $135M total across 7 segments · Q4 2020

  • Trust Fees
    $42M+3.9%
  • Bank Card Fees
    $40M-2.7%
  • Deposit Account Fees
    $24.2M-3.2%
  • Other Income
    $12.2M-54.7%
  • Loan Fees and Sales
    $9.03M+160.6%
  • Brokerage Services
    $4M-3.5%
  • Capital Market Fees
    $3.83M+50.9%

Forward guidance

This information contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include future financial and operating results, expectations, intentions and other statements that are not historical facts. Such statements are based on current beliefs and expectations of the Company’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

-0.1%

Avg return

Earnings day

+0.1%

Avg return

5 days after

+2.4%

Avg return

30 days after

49%

34 / 69 earnings

Positive

+9.8%

Q1 2020

Best reaction

-8.3%

Q2 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.1%-1.6%+1.5%
Q4 2025-1.3%-5.5%-2.0%
Q3 2025-7.6%-5.0%-5.5%
Q2 2025-0.2%-0.2%-3.8%
Q1 2025+2.2%-0.0%+11.7%
Q4 2024+0.2%+2.2%-2.3%
Q3 2024-0.6%+0.0%+16.1%
Q2 2024+2.5%+3.7%+0.4%
Q1 2024+3.6%+5.1%+9.8%
Q4 2023+5.1%+4.5%-0.7%
Q3 2023-5.9%-10.3%+2.7%
Q2 2023+3.1%+4.7%-1.4%
Q1 2023-3.7%-3.3%-12.0%
Q4 2022-1.4%-0.7%+0.8%
Q3 2022-4.1%-5.4%-1.5%
Q2 2022-0.6%+1.3%+8.2%
Q1 2022+3.7%+1.5%-6.6%
Q4 2021-5.8%-4.7%-2.7%
Q3 2021+1.2%+0.8%+2.0%
Q2 2021-1.3%-0.5%-4.0%
Q1 2021+0.1%-3.4%+3.9%
Q4 2020-4.1%-3.5%+4.0%
Q3 2020+4.8%+9.0%+17.2%
Q2 2020+2.2%+4.2%+5.0%
Q1 2020+9.8%+1.3%+11.1%
Q4 2019+1.8%+0.6%+3.0%
Q3 2019+3.4%+5.0%+9.3%
Q2 2019-1.3%+0.3%-4.2%
Q1 2019-1.4%-0.1%+0.7%
Q4 2018+3.2%+0.5%+4.0%
Q3 2018-5.3%-3.6%+2.7%
Q2 2018+1.7%+2.9%+4.6%
Q1 2018+5.7%+5.8%+10.2%
Q4 2017+2.7%+1.6%+1.7%
Q3 2017-2.9%-2.8%-5.0%
Q2 2017+3.5%+2.3%-1.8%
Q1 2017-0.5%-0.7%+1.4%
Q4 2016-2.1%-1.9%+5.8%
Q3 2016-2.7%-0.3%+11.9%
Q2 2016+1.0%-0.7%-0.5%
Q1 2016+3.8%
Q4 2015-2.5%
Q3 2015-4.3%
Q2 2015+1.8%
Q1 2015+1.4%
Q4 2014-0.8%
Q3 2014-3.9%
Q2 2014-1.6%
Q1 2014-6.6%
Q4 2013+0.1%
Q3 2013+1.4%
Q2 2013-0.0%
Q1 2013-2.7%
Q4 2011-2.2%
Q4 2012-0.5%
Q3 2012-3.7%
Q2 2012+4.1%
Q1 2012+0.3%
Q3 2011+0.3%
Q2 2011-8.3%
Q1 2010+1.5%
Q1 2011+2.1%
Q4 2010+2.2%
Q4 2009+2.2%
Q4 2008+2.2%
Q3 2009-1.4%
Q3 2010-1.4%
Q2 2010-0.3%
Q2 2009-0.3%

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