Commerce Bancshares Inc (CBSH) — Cash Flow-to-Debt Ratio
Commerce Bancshares Inc (CBSH) has a Cash Flow-to-Debt Ratio of 0.00x as of September 2025, meaning its operating cash flow of $129.02 Million could theoretically repay 0% of its total liabilities ($28.50 Billion) in one year. See Commerce Bancshares Inc (CBSH) flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Commerce Bancshares Inc Cash Flow-to-Debt Ratio (1989–2024)
Historical debt coverage capacity for Commerce Bancshares Inc across 36 annual periods. For the full cash flow conversion analysis, see Commerce Bancshares Inc operating cash flow efficiency.
Annual Cash Flow-to-Debt Ratio for Commerce Bancshares Inc (1989–2024)
Year-by-year debt coverage analysis for Commerce Bancshares Inc. Check Commerce Bancshares Inc cash earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.02x | $577.86 Million | $28.66 Billion | ▲ +18.5% |
| 2023 | 0.02x | $488.77 Million | $28.74 Billion | ▼ -10.6% |
| 2022 | 0.02x | $559.38 Million | $29.39 Billion | ▼ -100.0% |
| 2021 | 47.59x | $597.72 Million | $12.56 Million | ▼ -93.9% |
| 2020 | 778.04x | $623.99 Million | $802.00K | ▲ +266.9% |
| 2019 | 212.07x | $512.79 Million | $2.42 Million | ▲ +864322.5% |
| 2018 | 0.02x | $552.66 Million | $22.53 Billion | ▲ +27.2% |
| 2017 | 0.02x | $426.53 Million | $22.12 Billion | ▼ -1.9% |
| 2016 | 0.02x | $454.96 Million | $23.14 Billion | ▲ +51.3% |
| 2015 | 0.01x | $289.06 Million | $22.24 Billion | ▼ -22.0% |
| 2014 | 0.02x | $360.84 Million | $21.66 Billion | ▼ -3.7% |
| 2013 | 0.02x | $360.93 Million | $20.86 Billion | ▼ -9.7% |
| 2012 | 0.02x | $383.11 Million | $19.99 Billion | ▼ -13.1% |
| 2011 | 0.02x | $407.36 Million | $18.48 Billion | ▼ -45.9% |
| 2010 | 0.04x | $671.18 Million | $16.48 Billion | ▲ +123.9% |
| 2009 | 0.02x | $295.29 Million | $16.23 Billion | ▲ +33.6% |
| 2008 | 0.01x | $217.29 Million | $15.96 Billion | ▼ -40.5% |
| 2007 | 0.02x | $335.70 Million | $14.68 Billion | ▼ -19.5% |
| 2006 | 0.03x | $391.53 Million | $13.79 Billion | ▲ +21.3% |
| 2005 | 0.02x | $293.63 Million | $12.55 Billion | ▲ +13.4% |
| 2004 | 0.02x | $264.65 Million | $12.82 Billion | ▼ -1.8% |
| 2003 | 0.02x | $269.70 Million | $12.84 Billion | ▼ -4.9% |
| 2002 | 0.02x | $262.67 Million | $11.89 Billion | ▼ -6.2% |
| 2001 | 0.02x | $273.75 Million | $11.63 Billion | ▲ +3.0% |
| 2000 | 0.02x | $227.79 Million | $9.97 Billion | ▲ +11.4% |
| 1999 | 0.02x | $211.70 Million | $10.32 Billion | ▼ -2.4% |
| 1998 | 0.02x | $216.90 Million | $10.32 Billion | ▼ -9.4% |
| 1997 | 0.02x | $216.40 Million | $9.33 Billion | ▼ -5.2% |
| 1996 | 0.02x | $214.70 Million | $8.77 Billion | ▲ +8.9% |
| 1995 | 0.02x | $195.30 Million | $8.69 Billion | ▲ +20.1% |
| 1994 | 0.02x | $136.70 Million | $7.31 Billion | ▼ -8.9% |
| 1993 | 0.02x | $150.70 Million | $7.33 Billion | ▲ +130.3% |
| 1992 | 0.01x | $61.90 Million | $6.94 Billion | ▼ -30.3% |
| 1991 | 0.01x | $80.10 Million | $6.26 Billion | ▼ -23.6% |
| 1990 | 0.02x | $104.70 Million | $6.25 Billion | ▲ +33.2% |
| 1989 | 0.01x | $68.30 Million | $5.43 Billion | — |