Sep 30, 2023

Commerce Bank Q3 2023 Earnings Report

Commerce Bancshares, Inc. reported earnings for the third quarter of 2023.

Key Takeaways

Commerce Bancshares, Inc. reported earnings of $0.96 per share for the three months ended September 30, 2023. Net income for the third quarter of 2023 amounted to $120.6 million. The return on average assets was 1.49%, the return on average equity was 17.73%, and the efficiency ratio was 58.2%.

Net income for the third quarter of 2023 amounted to $120.6 million.

Net interest income was $248.5 million, a $991 thousand decrease from the prior quarter.

Non-interest income totaled $142.9 million, an increase of $4.4 million compared to the same quarter last year.

Average loan balances totaled $17.0 billion, an increase of $299.3 million, or 1.8%, over the prior quarter.

Total Revenue
$391M
Previous year: $385M
+1.7%
EPS
$0.87
Previous year: $0.92
-5.4%
Return on avg. assets
1.49%
Previous year: 1.48%
+0.7%
Efficiency ratio
58.2%
Previous year: 55.2%
+5.4%
Cash and Equivalents
$2.21B
Previous year: $1.01B
+118.9%
Free Cash Flow
$126M
Previous year: $166M
-24.0%
Total Assets
$31.4B
Previous year: $32.6B
-3.7%

Commerce Bank

Commerce Bank

Forward Guidance

This information contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include future financial and operating results, expectations, intentions, and other statements that are not historical facts. Such statements are based on current beliefs and expectations of the Company’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward-looking statements.