Commerce Bancshares Income 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 Interest Income	1,112	1,040	998.13	942.19	835.42
Net Interest Income Growth	6.88%	4.22%	5.94%	12.78%	0.67%
Non-Interest Income	652.28	615.55	573.05	546.54	560.39
Non-Interest Income Growth	5.97%	7.42%	4.85%	-2.47%	10.78%
Revenues Before Loan Losses	1,764	1,656	1,571	1,489	1,396
Provision for Credit Losses	56.14	32.9	35.45	28.07	-66.33
Revenue	1,712	1,631	1,551	1,481	1,492
Revenue Growth (YoY)	4.96%	5.16%	4.70%	-0.74%	23.37%
Compensation Expenses	628.45	607.86	584.06	554.05	525.25
Selling, General & Admin	303.03	277.95	272.06	256.9	207.04
Other Non-Interest Expenses	48.35	65.41	74.86	37.83	73.61
Total Non-Interest Expense	979.83	951.23	930.98	848.78	805.9
Pretax Income	731.84	679.49	619.73	632.38	686.3
Provision for Income Taxes	161.14	145.09	134.55	132.36	145.71
Net Income	566.25	526.33	477.06	488.4	530.77
Minority Interest in Earnings	4.45	8.07	8.12	11.62	9.83
Net Income to Common	566.25	526.33	477.06	488.4	530.77
Net Income Growth	7.58%	10.33%	-2.32%	-7.98%	49.91%
Shares Outstanding (Basic)	139	141	143	145	148
Shares Outstanding (Diluted)	139	141	143	145	148
Shares Change (YoY)	-1.78%	-1.38%	-1.34%	-1.93%	-0.39%
EPS (Basic)	4.04	3.69	3.30	3.33	3.56
EPS (Diluted)	4.04	3.69	3.30	3.33	3.55
EPS Growth	9.49%	11.82%	-1.00%	-6.01%	55.51%
Free Cash Flow	592.39	531.73	400.7	494.19	541.01
Free Cash Flow Growth	11.41%	32.70%	-18.92%	-8.65%	-8.44%
Free Cash Flow Per Share	4.26	3.76	2.79	3.40	3.65
Dividends Per Share	1.048	0.980	0.933	0.872	0.823
Dividend Growth	6.90%	5.04%	6.95%	6.04%	2.07%
Profit Margin	33.34%	32.77%	31.29%	33.76%	36.23%
FCF Margin	34.61%	32.61%	25.84%	33.37%	36.26%
EBITDA	56.5	54.08	49.51	46.86	44.87
EBITDA Margin	3.30%	3.32%	3.19%	3.16%	3.01%
Effective Tax Rate	22.02%	21.35%	21.71%	20.93%	21.23%

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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