Overview

* Commerce Bancshares ( CBSH ) Q3 revenue, EPS, and net income all missed analyst expectations

* Company maintained strong credit quality with non-accrual loans at .09% of total loans

* Commerce Bancshares ( CBSH ) to close FineMark acquisition on January 1, 2026

Outlook

* Company did not provide specific financial guidance for future quarters or full year

Result Drivers

* STEADY LOAN BALANCES - Co maintained stable average loan balances at $17.5 bln, contributing to stable net interest income

* TRUST FEES GROWTH - Trust fees increased by $3.7 mln, or 6.8%, mainly due to higher private client fees

* CREDIT QUALITY - Maintained excellent credit quality with non-accrual loans at .09% of total loans

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Miss $440.96 $447.84

Revenue mln mln (5

Analysts

)

Q3 EPS Miss $1.06 $1.09 (8

Analysts

)

Q3 Net Miss $141.51 $146.86

Income mln mln (7

Analysts

)

Q3 Net $279.45

Interest mln

Income

Q3 Miss $184.77 $188.69

Pretax mln mln (5

Profit Analysts

)

Q3 $20.06

Credit mln

Loss

Provisio

n

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)