CBSH – Dividend Returns, History & Calculator

Dividend Champion 57 Years

Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates th

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Company Info

Symbol CBSH
Company Commerce Bancshares, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $7,549.8M

Price Data

Price $56.66
Price Change -2.22
Price Change % -3.77%
Next Earnings Oct 16, 2025
Low (52W) $52.69
High (52W) $72.75

Dividend Data

Div Yield 194.14%
5Y Avg Yield 168.15%
Current Div $0.275
Payouts/Year 4
Annualized $1.100
Previous Div $0.275
Ex-Date Sep 5, 2025

Growth Rates

Chowder Number 6.2
DGR 1Y 6.5%
DGR 3Y 4.1%
DGR 5Y 4.2%
DGR 10Y 5.0%

Total Returns

TTR 1Y - With Specials 0.0%
TTR 3Y - With Specials -1.7%
TTR 1Y - No Specials 0.0%
TTR 3Y - No Specials -1.7%

Fair Value

Fair Value (P/E 10) $52.16
FV (P/E 10) % 9.0%
Fair Value (Peter Lynch) $20.70
FV (Peter Lynch) % 174.0%
Fair Value (Blended) $53.82
FV (Blended) % 5.0%

Financial Metrics

Revenue 1Y 5.9%
NPM 32.4%
CF/Share $4.09
ROE 16.5%
Debt/Capital 0.0%
ROTC 16.1%
P/E 13.7x
P/BV 2.1x
PEG 9.06
📊 Financial data last updated: October 16, 2025 9:41 am

Calculate your CBSH Dividend Returns

Quickly and easily calculate CBSH dividend yield using our CBSH calculator. Adjust the fields below to see how your CBSH investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: October 17, 2025 4:42 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000191$52.40$0.282.10%2.10%$227$227218$11,427
2$11,960218$54.84$0.292.11%2.21%$270$497245$13,430
3$14,057245$57.40$0.302.12%2.32%$316$813271$15,573
4$16,299271$60.08$0.322.12%2.44%$365$1,178297$17,864
5$18,697297$62.88$0.342.13%2.56%$418$1,596323$20,315
6$21,263323$65.82$0.352.14%2.69%$475$2,071349$22,938
7$24,008349$68.89$0.372.15%2.82%$536$2,607374$25,744
8$26,945374$72.10$0.392.16%2.97%$602$3,209399$28,747
9$30,088399$75.46$0.412.17%3.12%$673$3,882424$31,962
10$33,452424$78.98$0.432.17%3.28%$750$4,632448$35,402

CBSH Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/05/202509/05/2025$0.2751.79%1.82%$60.58
06/06/202506/06/2025$0.2751.68%1.73%$63.45
03/07/202503/07/2025$0.2751.68%1.77%$62.22
12/03/202412/03/2024$0.2571.50%1.50%$68.75
09/05/202409/05/2024$0.2571.71%1.73%$59.33
06/05/202406/05/2024$0.2571.94%1.99%$51.65
03/06/202403/06/2024$0.2571.96%2.04%$50.48
12/01/202312/01/2023$0.2452.08%2.08%$47.17
09/05/202309/05/2023$0.2452.19%2.20%$44.45
06/02/202306/02/2023$0.2452.12%2.14%$45.87
03/06/202303/06/2023$0.2451.63%1.65%$59.20
12/01/202212/01/2022$0.2401.50%1.50%$64.22
09/06/202209/06/2022$0.2401.57%1.57%$61.30
06/06/202206/06/2022$0.2401.52%1.54%$62.34
03/07/202203/07/2022$0.2401.49%1.53%$62.69
12/01/202112/01/2021$0.2391.55%1.61%$59.18
09/03/202109/03/2021$0.2271.50%1.49%$60.93
06/03/202106/03/2021$0.2271.37%1.37%$66.56
03/08/202103/08/2021$0.2271.33%1.33%$68.17
12/01/202012/01/2020$0.2331.65%1.71%$54.53
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CBSH 10-yr Total Return ($10,000 invested)

This analysis of CBSH demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 7.4% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (CBSH)

Over the selected period, investing $10,000 in CBSH would grow to $24,061 with DRIP (140.6%), and $22,909 without DRIP (129.1%).

CBSH Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in CBSH with historic price growth (4.66%) and dividend growth (5.07%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $88,756

Annual Dividend: $2,014

Yield on Cost: 5.92%

Total Dividends: $17,580

No DRIP

Portfolio: $78,423

Total Dividends: $14,270

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $192,576

Annual Dividend: $4,542

Yield on Cost: 9.87%

Total Dividends: $48,003

No DRIP

Portfolio: $150,714

Total Dividends: $34,270

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $7,314 against a total investment of $25,600. At this point, your portfolio is throwing off $1,075 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $1,552, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $17,580 versus $34,000 invested, nearly a 52% recovery of capital purely from income. Yield on cost reaches 5.92%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $3,048 is greater than total contributions to date ($40,000), and cumulative dividends exceed $29,752.

By year 30, the DRIP snowball is in full force. Yearly income reaches $4,542, cumulative dividends total $48,003, and the DRIP portfolio value stands at $192,576, compared with $150,714 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for CBSH, price $52.40, dividend per period $0.28 (4×/year), along with historic growth assumptions: price growth 4.66% and dividend growth 5.07% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for CBSH

Based on past 10-year performance, here are CBSH growth metrics:

Share price CAGR of +7.72%
Dividend CAGR of +5.01%

Using CBSH CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

CBSH (DRIP)CBSH (No DRIP)
Current Price$53.70$53.70
Start Shares186.22186.22
Start Value$10,000$10,000
After 10 years:
Final Share Count222.27186.22
Dividends Payment$1.79$1.79
Annual Dividends$393$334
Yield on cost3.93%3.34%
Share Price$112.98$112.98
Total Dividends$2,968$2,707
Final Value$25,113$23,747

Estimated Future Value + Dividends – CBSH

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

CBSH Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/05/202509/05/2025$0.2751.79%1.82%$60.58
06/06/202506/06/2025$0.2751.68%1.73%$63.45
03/07/202503/07/2025$0.2751.68%1.77%$62.22
12/03/202412/03/2024$0.2571.50%1.50%$68.75
09/05/202409/05/2024$0.2571.71%1.73%$59.33
06/05/202406/05/2024$0.2571.94%1.99%$51.65
03/06/202403/06/2024$0.2571.96%2.04%$50.48
12/01/202312/01/2023$0.2452.08%2.08%$47.17
09/05/202309/05/2023$0.2452.19%2.20%$44.45
06/02/202306/02/2023$0.2452.12%2.14%$45.87
03/06/202303/06/2023$0.2451.63%1.65%$59.20
12/01/202212/01/2022$0.2401.50%1.50%$64.22
09/06/202209/06/2022$0.2401.57%1.57%$61.30
06/06/202206/06/2022$0.2401.52%1.54%$62.34
03/07/202203/07/2022$0.2401.49%1.53%$62.69
12/01/202112/01/2021$0.2391.55%1.61%$59.18
09/03/202109/03/2021$0.2271.50%1.49%$60.93
06/03/202106/03/2021$0.2271.37%1.37%$66.56
03/08/202103/08/2021$0.2271.33%1.33%$68.17
12/01/202012/01/2020$0.2331.65%1.71%$54.53
09/03/202009/03/2020$0.2221.82%1.83%$48.48
06/04/202006/04/2020$0.2221.62%1.65%$53.87
03/05/202003/05/2020$0.2221.76%1.81%$49.02
12/02/201912/02/2019$0.2141.64%1.64%$52.28
09/05/201909/05/2019$0.2141.76%1.80%$47.49
06/06/201906/06/2019$0.2141.66%1.77%$48.46
03/07/201903/07/2019$0.2141.56%1.73%$49.58
11/29/201811/29/2018$0.1931.46%1.51%$51.08
09/06/201809/06/2018$0.1841.30%1.32%$55.92
06/07/201806/07/2018$0.1841.38%1.41%$52.36
03/08/201803/08/2018$0.1841.52%1.57%$46.89
11/29/201711/29/2017$0.1761.58%1.58%$44.76
09/07/201709/07/2017$0.1761.72%1.72%$41.04
06/07/201706/07/2017$0.1761.66%1.66%$42.37
03/08/201703/08/2017$0.1761.55%1.55%$45.41
11/30/201611/30/2016$0.1761.64%1.64%$42.95
09/07/201609/07/2016$0.1761.77%1.79%$39.40
06/08/201606/08/2016$0.1761.80%1.84%$38.28
03/09/201603/09/2016$0.1761.99%2.06%$34.19
11/24/201511/24/2015$0.1681.88%1.88%$35.69
09/09/201509/09/2015$0.1682.02%2.05%$32.82
06/03/201506/03/2015$0.1681.94%1.99%$33.76
03/04/201503/04/2015$0.1682.08%2.16%$31.11
11/25/201411/25/2014$0.1601.98%1.98%$32.33
09/03/201409/03/2014$0.1601.93%1.95%$32.80
06/03/201406/03/2014$0.1602.01%2.05%$31.13
03/03/201403/03/2014$0.1601.97%2.05%$31.25
11/26/201311/26/2013$0.1521.90%1.90%$32.07
09/04/201309/04/2013$0.1525.40%2.09%$29.11
06/05/201306/05/2013$0.1525.40%2.10%$29.02
03/04/201303/04/2013$0.1526.12%2.38%$25.54
11/28/201211/28/2012$1.126.52%18.64%$23.94
09/05/201209/05/2012$0.1482.25%2.27%$26.08
06/06/201206/06/2012$0.1482.46%2.49%$23.82
03/07/201203/07/2012$0.1482.39%2.41%$24.56
11/28/201111/28/2011$0.1412.58%2.49%$22.72
09/07/201109/07/2011$0.1482.41%2.42%$24.50
06/08/201106/08/2011$0.1482.26%2.26%$26.22
03/09/201103/09/2011$0.1482.26%2.25%$26.36
12/02/201012/02/2010$0.1442.47%2.38%$24.29
09/07/201009/07/2010$0.1522.56%2.58%$23.53
06/09/201006/09/2010$0.1522.60%2.63%$23.01
03/08/201003/08/2010$0.1522.27%2.32%$26.11
11/25/200911/25/2009$0.1482.33%2.33%$25.34
09/09/200909/09/2009$0.1472.59%2.60%$22.71
06/05/200906/05/2009$0.1473.10%3.11%$18.93
03/06/200903/06/2009$0.1473.32%3.34%$17.66
11/12/200811/12/2008$0.1462.35%2.35%$24.86
09/10/200809/10/2008$0.1462.15%2.18%$26.87
06/05/200806/05/2008$0.1462.23%2.28%$25.62
03/06/200803/06/2008$0.1462.44%2.53%$23.14
11/27/200711/27/2007$0.1392.19%2.19%$25.40
09/11/200709/11/2007$0.1392.16%2.19%$25.38
06/05/200706/05/2007$0.1392.06%2.14%$26.06
03/07/200703/07/2007$0.1391.96%2.06%$27.01
11/27/200611/27/2006$0.1301.95%1.95%$26.65
09/11/200609/11/2006$0.1301.96%1.97%$26.37
06/05/200606/05/2006$0.1301.88%1.92%$27.04
03/07/200603/07/2006$0.1301.83%1.90%$27.30
11/25/200511/25/2005$0.1271.79%1.85%$27.50
09/09/200509/09/2005$0.1211.66%1.81%$26.82
06/03/200506/03/2005$0.1211.75%1.95%$24.85
03/07/200503/07/2005$0.1211.76%2.01%$24.18
11/24/200411/24/2004$0.0821.68%1.33%$24.67
09/09/200409/09/2004$0.1111.88%1.89%$23.46
06/03/200406/03/2004$0.1111.99%2.03%$21.77
03/04/200403/04/2004$0.1111.67%1.86%$23.80
11/25/200311/25/2003$0.1081.59%1.90%$22.78
09/10/200309/10/2003$0.1031.66%2.08%$19.80
06/04/200306/04/2003$0.0761.58%1.61%$18.82
03/05/200303/05/2003$0.0761.69%1.75%$17.27
11/26/200211/26/2002$0.0751.59%1.65%$18.06
09/11/200209/11/2002$0.0711.53%1.53%$18.56
06/05/200206/05/2002$0.0711.42%1.45%$19.66
03/06/200203/06/2002$0.0711.49%1.55%$18.38
11/28/200111/28/2001$0.0701.62%1.70%$16.47
06/06/200106/06/2001$0.0671.72%1.76%$15.08
03/07/200103/07/2001$0.0671.53%1.61%$16.54
11/28/200011/28/2000$0.0641.66%1.72%$14.96
09/13/200009/13/2000$0.0611.67%1.68%$14.57
06/07/200006/07/2000$0.0611.75%1.80%$13.65
03/07/200003/07/2000$0.0612.12%2.22%$11.03
Page 1 of 1

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

CBSH Price

Price to Earnings

CBSH trades at a 58.3x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

CBSH trades at a 18.6x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

CBSH generated $0.4B in revenue. Revenue has grown by 26% over the period.

Net Income

CBSH reported $0.1B in net income.

Revenue vs Net Income

CBSH generated $0.4B in revenue with net income of $0.1B, representing a 31.9% net profit margin.

Gross Profit

CBSH achieved $0.4B in gross profit, showing revenue after direct production costs.

Operating Income

CBSH generated $0.2B in operating income, representing profit from core business operations.

EBITDA

CBSH generated $0.2B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

CBSH generated $0.2B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

CBSH generated $0.1B in free cash flow.

Free Cash Flow / Share

CBSH generates $1.10 in free cash flow per share.

Earnings Per Share (EPS)

CBSH reported $1.06 in earnings per share.

Return on Equity (ROE)

CBSH delivered a 26.6% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

CBSH achieved a 16.0% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

CBSH maintains a 31.9% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

CBSH operates with a 83.0% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

CBSH holds $0.1B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

CBSH has 0.1B shares outstanding.

Stock-Based Comp

CBSH reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 26%.

FCF vs Stock Based Comp

CBSH generated $0.1B in free cash flow while spending $0.0B on stock-based compensation, representing 8% of FCF.

FCF vs FCF / Share

CBSH reported $0.1B in free cash flow, translating to $1.10 per share.

Revenue: Actual + Estimates

This chart tracks CBSH revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks CBSH eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks CBSH net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks CBSH ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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