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AI brief of an SEC Form 8-K · Commerce Bancshares (CBSH)

Commerce Bancshares Q3 EPS $1.06, up from $1.01 a year earlier but down from $1.14 in Q2

Mixed Impact 3 of 5 earnings Written later

Commerce Bancshares reported third-quarter 2025 diluted earnings of $1.06 per share and net income of $141.5 million, up from $1.01 and $138.0 million in the same quarter of 2024 but down from $1.14 and $152.5 million in the second quarter of 2025. For the first nine months, diluted EPS was $3.18 versus $2.86 a year earlier. The company also said it expects to complete its FineMark acquisition on January 1, 2026.

Key points

  • Q3 2025 diluted EPS $1.06, versus $1.01 in Q3 2024 and $1.14 in Q2 2025
  • Q3 net income $141.5 million, versus $138.0 million a year earlier and $152.5 million in Q2 2025
  • Provision for credit losses was $20.1 million in Q3 2025, versus $5.6 million in Q2 2025, which management cited as a factor in the sequential decline
  • Expected close date for the FineMark acquisition is January 1, 2026

The filing

CompanyCommerce Bancshares (CBSH)
Form8-K, current report
Filed with the SECOct 16, 2025, 9:09 AM ET
Accession number0000022356-25-000089

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:57 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 16, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.