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 Commerce Bancshares Inc operating cash flow efficiency to assess how effectively this company generates cash.
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 total reinvestment intensity of Commerce Bancshares Inc to assess the company's total reinvestment commitment from operating cash flow.
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 market cap.
| 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 | — |