Commerce Bancshares Inc (CBSH) — 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. Explore CBSH strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Commerce Bancshares Inc Cash Flow Quality Index (1989–2024)
Historical Cash Flow Quality Index for Commerce Bancshares Inc across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Commerce Bancshares Inc (CBSH) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Commerce Bancshares Inc (1989–2024)
Year-by-year earnings quality comparison for Commerce Bancshares Inc. For live market cap and the full company financial profile, see CBSH stock market capitalisation.
| 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 | — |