Commerce Bancshares [CBSH] vs U.S. Bancorp [USB] Detailed Stock Comparison

Commerce Bancshares Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Commerce Bancshares Inc. wins in 8 metrics, U.S. Bancorp wins in 11 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Commerce Bancshares Inc. U.S. Bancorp Better
P/E Ratio (TTM) 12.42 11.92 U.S. Bancorp
Price-to-Book Ratio 1.73 1.51 U.S. Bancorp
Debt-to-Equity Ratio 0.68 1.21 Commerce Bancshares Inc.
PEG Ratio 4.35 0.82 U.S. Bancorp
Profit Margin (TTM) 32.34% 29.29% Commerce Bancshares Inc.
Operating Margin (TTM) 42.50% 37.84% Commerce Bancshares Inc.
EBITDA Margin (TTM) 42.50% 37.84% Commerce Bancshares Inc.
Return on Equity 14.94% 12.35% Commerce Bancshares Inc.
Return on Assets (TTM) 1.72% 1.14% Commerce Bancshares Inc.
Free Cash Flow (TTM) $592.39M $7.97B U.S. Bancorp
Dividend Yield 2.56% 3.82% U.S. Bancorp
1-Year Return -12.98% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 4.14 3.32 U.S. Bancorp
Enterprise Value $5.25B $126.46B U.S. Bancorp
EV/Revenue Ratio 2.95 4.75 Commerce Bancshares Inc.
Revenue per Share (TTM) $13 $17 U.S. Bancorp
Earnings per Share (Diluted) $4.07 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.59 1.03 Commerce Bancshares Inc.
Short % of Float 3.64% 0.00% U.S. Bancorp

Commerce Bancshares Inc. vs U.S. Bancorp Stock Performance Analysis

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CBSH
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Commerce Bancshares Inc.-1.27%-1.14%-0.73%-0.48%-1.91%-1.68%
U.S. Bancorp-2.67%-2.83%-3.80%-1.57%4.34%-1.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Commerce Bancshares Inc.-12.98%19.55%-17.35%43.90%106.73%98.93%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Commerce Bancshares Inc. vs U.S. Bancorp

MetricCBSHUSB
Market Information
Market Cap i$7.38B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i1,388,1609,829,002
90 Day Avg. Volume i1,268,54310,401,007
Last Close$51.36$53.14
52 Week Range$46.99 - $63.19$42.55 - $61.19
% from 52W High-18.72%-13.16%
All-Time High$72.75 (Nov 25, 2024)$63.57 (Jan 10, 2022)
% from All-Time High-29.40%-16.41%
Growth Metrics
Quarterly Revenue Growth0.17%0.05%
Quarterly Earnings Growth0.08%0.14%
Financial Health
Profit Margin (TTM) i0.32%0.29%
Operating Margin (TTM) i0.43%0.38%
Return on Equity (TTM) i0.15%0.12%
Debt to Equity (MRQ) i0.681.21
Cash & Liquidity
Book Value per Share (MRQ)$29.16$37.54
Cash per Share (MRQ)$32.45$31.14
Operating Cash Flow (TTM) i$651.84M$6.04B
Levered Free Cash Flow (TTM) i$560.87M$7.19B
Dividends
Last 12-Month Dividend Yield i2.56%3.82%
Last 12-Month Dividend i$1.40$2.04

Valuation & Enterprise Metrics Analysis: Commerce Bancshares Inc. vs U.S. Bancorp

MetricCBSH (Apr 26, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4211.92
Forward P/E i11.7310.09
PEG Ratio i4.350.82
Price to Sales (TTM) i4.143.32
Price to Book (MRQ) i1.731.51
Market Capitalization
Market Capitalization i$7.38B$88.06B
Enterprise Value i$5.25B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i2.954.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.591.03
Book Value per Share (MRQ) i$29.16$37.54

Financial Statements Comparison: Commerce Bancshares Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCBSH (2025)USB (2025)
Revenue/Sales i1.77B28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i731.84M9.52B
Pre-Tax Income % of Revenue i41.4%33.3%
Income Tax i161.14M1.92B
Income Tax % of Revenue i9.1%6.7%
Net Income (Profit) i570.70M7.60B
Profit Margin i32.3%26.6%

Balance Sheet & Liquidity Metrics

MetricCBSH (2025)USB (2025)
Cash & Equivalents i3.55B46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i12.80M60.76B
Long-Term Debt % of Revenue i0.7%212.9%
Total Shareholders Equity i3.81B65.65B
Retained Earnings i131.83M80.91B
Retained Earnings % of Revenue i7.5%283.5%
Property, Plant & Equipment i283.30M1.51B

Cash Flow Statement Comparison

MetricCBSH (2025)USB (2025)
Operating Cash Flow i651.84M6.04B
Operating Cash Flow % of Revenue i36.9%21.2%
Capital Expenditures i-52.65MN/A
Free Cash Flow i592.39M7.97B
FCF Margin i33.5%27.9%
Debt Repayment i0-9.05B
Common Stock Repurchase i-207.57M-489.00M

Short Interest & Institutional Ownership Analysis

MetricCBSHUSB
Shares Short i5.22M27,002
Short Ratio i4.380.00
Short % of Float i3.64%0.00%
Shares Outstanding i145.98M1.56B
Float Shares i133.12M1.55B
% Held by Insiders i2.41%0.14%
% Held by Institutions i69.62%83.55%
% Held by Public i27.97%16.31%

Dividend Analysis & Yield Comparison: Commerce Bancshares Inc. vs U.S. Bancorp

MetricCBSHUSB
Last 12-Month Dividend i$1.40$2.04
Last 12-Month Dividend Yield i2.56%3.82%
3-Year Avg Annual Dividend i$1.13$1.98
3-Year Avg Dividend Yield i0.50%1.19%
3-Year Total Dividends i$3.40$5.95
Ex-Dividend DateMar 06, 2026Dec 31, 2025