CBSHCOMMERCE BANCSHARES INC /MO/
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $7.9B
- Employees
- —
- Net debt / EBITDA
- —
- −$510M net debt
- AI in 10-K
- 0.4
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo114% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo55% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo92% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.4 per 10K words · 18th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$7.9B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$4M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $531M | $488M | $477M | $526M | $566M | 7.6% |
| Operating cash flow | $598M | $559M | $489M | $578M | $645M | 12% |
| Capex | $57M | $65M | $88M | $46M | $53M | 14% |
| Stock-based comp | $15M | $17M | $17M | $17M | $17M | 1.4% |
| Buybacks | $129M | $187M | $76M | $170M | $208M | 22% |
| Dividends | $123M | $127M | $135M | $145M | $150M | 3.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $119K · 1
- Open-market sells, 12 mo
- $4M · 16
- Net
- −$4M
Pay vs performance
No pay-versus-performance disclosure yet.