Companies: 10,795·Total market cap: $144.5T
Commerce Bancshares, Inc.

Commerce Bancshares, Inc.

CBSHNASDAQFinancial Services● Active
$53.41
+$0.36(+0.68%)
Market Cap$7.8B
P/E Ratio—
52W High$63.19048
52W Low$46.99
Cash on HandFinancialsRevenue

Commerce Bancshares, Inc. (CBSH) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

CBSH · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$9.90B▼ -20.9% vs prior year
FY · as of Dec 31, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$803.2M
cashAndCashEquivalents
Short-Term Investments
$9.10B
shortTermInvestments
YoY Change vs Prior Year
-20.9%
vs prior fiscal year
Latest Quarter
$9.22B
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$9.90BCash on Hand
Total Debt$3.00BTotal Debt
Net Cash / Net Debt+$6.90BNet Cash Position
Cash vs Debt Ratio
Cash 77%Debt 23%

Commerce Bancshares, Inc. has a net cash position of $6.90B, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$9.90B − $3.00B = +$6.90B

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
CBSH annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$9.90B-20.9%
Dec 31, 2024$12.51B+1.2%
Dec 31, 2023$12.37B-5.5%
Dec 31, 2022$13.08B-30.2%
Dec 31, 2021$18.73B+28.0%
CBSH cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T177.5%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.5%#3
Visa Inc.
Visa Inc.
V
$21.99B3.6%#4
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
#5
Commerce Bancshares, Inc.
Commerce Bancshares, Inc.YOU
CBSH
$9.90B127.1%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Commerce Bancshares, Inc. (CBSH) cash on hand as of December 31, 2025 is $9.90B, comprising $803.2M in cash and cash equivalents (CCE) plus $9.10B in short-term investments — reported as Commerce Bancshares, Inc. cash and short-term investments on the balance sheet (10-K filing). Also referred to as Commerce Bancshares, Inc. cash reserves or cash position.

Commerce Bancshares, Inc. annual cash on hand history shows decreased -20.9% in 2025: decreased -20.9% in 2025. Commerce Bancshares, Inc. cash reserves in 2025 reflect the company's capital allocation strategy.

Commerce Bancshares, Inc. carries total debt of $3.00B against cash of $9.90B, resulting in a net cash position of +$6.90B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

CBSH cash on hand · 5 questions

As of December 31, 2025, Commerce Bancshares, Inc. (CBSH) has $9.90B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $803,239,000 in cash and cash equivalents (CCE) plus $9.10B in short-term investments. Latest quarter (March 31, 2026): $9.22B. Data sourced from the annual 10-K filing via FMP.

CBSH cash on handCBSH cash reservesCBSH cash 2025how much cash does CBSH have

▸ Source: FMP /balance-sheet-statement · US GAAP · Commerce Bancshares, Inc. · Commerce Bancshares, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025