Commerce Bancshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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