Commerce Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	526.33	477.06	488.4	530.77
Depreciation & Amortization	-	54.08	49.51	46.86	44.87
Gain (Loss) on Sale of Investments	-	-8.66	2.68	-1.7	36.88
Provision for Credit Losses	-	32.9	35.45	28.07	-66.33
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	2.48	1.52	4.81	52.27
Change in Trading Asset Securities	-	-18.47	28.48	4.15	-29.89
Accrued Interest Receivable	-	-5.36	-5.99	-28.44	19.79
Change in Income Taxes	-	12.22	4.59	-12.94	-5.18
Other Operating Activities	-	-8.51	-167.21	12.79	24.95
Operating Cash Flow	-	577.86	488.77	559.39	597.72
Operating Cash Flow Growth	-	18.23%	-12.62%	-6.41%	-4.21%
Capital Expenditures	-	-46.13	-88.07	-65.19	-56.72
Sale of Property, Plant and Equipment	-	8.89	4.36	2.99	8.86
Cash Acquisitions	-	-	-6.37	-	-
Investment in Securities	-	575.7	3,208	1,451	-3,169
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-54.68	-933.74	-1,146	1,135
Investing Cash Flow	-	483.79	2,184	242.27	-2,083
Short-Term Debt Issued	-	17.94	2,317	-	924.58
Long-Term Debt Issued	-	-	-	-	11.76
Total Debt Issued	-	17.94	2,317	-	936.34
Short-Term Debt Repaid	-	-	-	-181.23	-
Long-Term Debt Repaid	-	-1.35	-2,258	-2.89	-
Total Debt Repaid	-	-1.35	-2,258	-184.12	-
Net Debt Issued (Repaid)	-	16.6	58.81	-184.12	936.34
Repurchase of Common Stock	-	-170.47	-76.37	-186.62	-129.36
Common Dividends Paid	-	-145.09	-134.73	-127.47	-122.69
Total Dividends Paid	-	-145.09	-134.73	-127.47	-122.69
Net Increase (Decrease) in Deposit Accounts	-	-73.96	-730.83	-3,703	2,889
Other Financing Activities	-	-0.01	-0	-0.01	-0.02
Financing Cash Flow	-	-372.94	-883.12	-4,201	3,574
Net Cash Flow	-	688.71	1,789	-3,399	2,089
Free Cash Flow	-	531.73	400.7	494.19	541.01
Free Cash Flow Growth	-	32.70%	-18.92%	-8.65%	-8.44%
Free Cash Flow Margin	-	32.61%	25.84%	33.37%	36.26%
Free Cash Flow Per Share	-	3.76	2.79	3.40	3.65
Cash Interest Paid	-	453.17	336.51	53.74	16.05
Cash Income Tax Paid	-	126.13	130.96	117	119.67

Source: S&P Global Market Intelligence. Banks template. Financial Sources.