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

Commerce Bancshares Q4 EPS rises to $1.01 from $0.96; net income $140.7 million

Positive Impact 3 of 5 earnings Written later

Commerce Bancshares reported fourth quarter 2025 diluted earnings per share of $1.01, up from $0.96 a year earlier but flat with the third quarter, and net income of $140.7 million. For the full year, EPS was $4.04 versus $3.69 in 2024, and the company closed its FineMark acquisition on January 1, 2026. Higher full-year earnings and the completed acquisition are the main items for shareholders to note.

Key points

  • Q4 2025 EPS of $1.01 vs. $0.96 in Q4 2024 and $1.01 in Q3 2025
  • Q4 2025 net income of $140.7 million vs. $136.1 million a year earlier and $141.5 million in Q3 2025
  • Full-year 2025 EPS of $4.04 and net income of $566.3 million, vs. $3.69 and $526.3 million in 2024
  • FineMark acquisition closed January 1, 2026; FineMark had $2.7 billion in loans and $3.1 billion in deposits at December 31, 2025

The filing

CompanyCommerce Bancshares (CBSH)
Form8-K, current report
Filed with the SECJan 22, 2026, 9:15 AM ET
Accession number0000022356-26-000002

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 12:57 AM ET, from the text of the filing and its press-release exhibits 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 January 22, 2026.

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