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 (CBSH) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Commerce Bancshares Inc (CBSH) cash conversion ratio.
Annual Cash Flow Quality Index for Commerce Bancshares Inc (1989–2024)
Year-by-year earnings quality comparison for Commerce Bancshares Inc.
| 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 | — |