Commerce Bancshares Inc Cash Flow Quality Index
Commerce Bancshares Inc cash flow quality index. Commerce Bancshares Inc (CBSH) has a Cash Flow Quality Index of 0.90x as of September 2025. Operating cash flow of $129.02 Million is below net income of $143.62 Million, suggesting accrual-heavy earnings not yet converted to cash. See Commerce Bancshares Inc (CBSH) financial flexibility to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Commerce Bancshares Inc (1989–2024)
Cash flow quality index of Commerce Bancshares Inc from 1989 to 2024. Historical Cash Flow Quality Index for Commerce Bancshares Inc across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore debt repayment capacity of Commerce Bancshares Inc to assess how comfortably operating cash covers total debt obligations.
Commerce Bancshares Inc Cash Flow Quality Index by Year (1989–2024)
Commerce Bancshares Inc cash flow quality index by year from 1989 to 2024. Year-by-year earnings quality comparison for Commerce Bancshares Inc. For the full cash flow conversion analysis, see Commerce Bancshares Inc operating cash flow efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.08x | $577.86 Million | $534.40 Million | ▲ +7.3% |
| 2023 | 1.01x | $488.77 Million | $485.18 Million | ▼ -10.0% |
| 2022 | 1.12x | $559.38 Million | $500.02 Million | ▲ +1.2% |
| 2021 | 1.11x | $597.72 Million | $540.59 Million | ▼ -37.3% |
| 2020 | 1.76x | $623.99 Million | $353.88 Million | ▲ +45.4% |
| 2019 | 1.21x | $512.79 Million | $422.71 Million | ▼ -3.8% |
| 2018 | 1.26x | $552.66 Million | $438.21 Million | ▼ -5.4% |
| 2017 | 1.33x | $426.53 Million | $319.90 Million | ▼ -18.9% |
| 2016 | 1.64x | $454.96 Million | $276.85 Million | ▲ +51.8% |
| 2015 | 1.08x | $289.06 Million | $266.98 Million | ▼ -21.1% |
| 2014 | 1.37x | $360.84 Million | $262.78 Million | ▼ -0.7% |
| 2013 | 1.38x | $360.93 Million | $261.12 Million | ▼ -2.1% |
| 2012 | 1.41x | $383.11 Million | $271.44 Million | ▼ -10.0% |
| 2011 | 1.57x | $407.36 Million | $259.62 Million | ▼ -48.2% |
| 2010 | 3.03x | $671.18 Million | $221.71 Million | ▲ +73.3% |
| 2009 | 1.75x | $295.29 Million | $169.07 Million | ▲ +51.6% |
| 2008 | 1.15x | $217.29 Million | $188.66 Million | ▼ -29.1% |
| 2007 | 1.62x | $335.70 Million | $206.66 Million | ▼ -8.8% |
| 2006 | 1.78x | $391.53 Million | $219.84 Million | ▲ +35.4% |
| 2005 | 1.32x | $293.63 Million | $223.25 Million | ▲ +9.5% |
| 2004 | 1.20x | $264.65 Million | $220.34 Million | ▼ -8.0% |
| 2003 | 1.31x | $269.70 Million | $206.52 Million | ▼ -0.8% |
| 2002 | 1.32x | $262.67 Million | $199.50 Million | ▼ -12.5% |
| 2001 | 1.50x | $273.75 Million | $181.97 Million | ▲ +17.9% |
| 2000 | 1.28x | $227.79 Million | $178.57 Million | ▲ +0.1% |
| 1999 | 1.27x | $211.70 Million | $166.20 Million | ▼ -11.9% |
| 1998 | 1.45x | $216.90 Million | $150.10 Million | ▼ -11.4% |
| 1997 | 1.63x | $216.40 Million | $132.70 Million | ▼ -9.2% |
| 1996 | 1.80x | $214.70 Million | $119.50 Million | ▼ -1.0% |
| 1995 | 1.82x | $195.30 Million | $107.60 Million | ▲ +27.6% |
| 1994 | 1.42x | $136.70 Million | $96.10 Million | ▼ -18.0% |
| 1993 | 1.73x | $150.70 Million | $86.90 Million | ▲ +100.9% |
| 1992 | 0.86x | $61.90 Million | $71.70 Million | ▼ -35.5% |
| 1991 | 1.34x | $80.10 Million | $59.80 Million | ▼ -26.4% |
| 1990 | 1.82x | $104.70 Million | $57.50 Million | ▲ +57.3% |
| 1989 | 1.16x | $68.30 Million | $59.00 Million | — |