Investors never know what to expect for Commerce Bancshares (Nasdaq: CBSH), as it has wavered between topping and missing analysts estimates during the past fiscal year. The company will unveil its latest earnings on Tuesday, January 24. Commerce Bancshares is a bank holding company that, through its subsidiaries, engages in general banking business, providing a range of retail, corporate, investment, trust, and asset management products and services to individuals and businesses.

What analysts say:

  • Buy, sell, or hold?: Analysts think investors should stand pat on Commerce Bancshares with nine of 12 analysts rating it hold. Analysts don't like Commerce Bancshares as much as competitor First Citizens BancShares overall. One out of one analysts rate First Citizens BancShares a buy compared to one of 12 for Commerce Bancshares. Analysts' rating of Commerce Bancshares has stayed constant from three months prior.
  • Revenue Forecasts: On average, analysts predict $263 million in revenue this quarter. That would represent a decline of 3% from the year-ago quarter.
  • Wall Street Earnings Expectations: The average analyst estimate is earnings of 70 cents per share. Estimates range from 65 cents to 73 cents.

What our community says:
The majority of CAPS All Stars see CBSH as a good bet, with 64.3% granting it an "outperform" rating. The majority of the Fools are in agreement with the All Stars as 64% give it an "outperform" rating. Fools are bullish on Commerce Bancshares, though the message boards have been quiet lately with only 31 posts in the past 30 days. Commerce Bancshares' bearish CAPS rating of two out of five stars falls short of the Fool community sentiment.

Management:
Commerce Bancshares' profit has risen year over year by an average of 23.5% over the past five quarters. Revenue has fallen for the past three quarters.

Now let's look at how efficient management is at running the business. Traditionally, margins represent the efficiency with which companies capture portions of sales dollars. The following table shows net margins over the past four quarters.

Quarter

Q3

Q2

Q1

Q4

Net Margin

23.7%

24.5%

22.1%

21.4%

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Earnings estimates provided by Zacks.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.