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Side-by-side financial comparison of COMMERCE BANCSHARES INC (CBSH) and PHINIA INC. (PHIN). Click either name above to swap in a different company.
PHINIA INC. is the larger business by last-quarter revenue ($889.0M vs $475.7M, roughly 1.9× COMMERCE BANCSHARES INC). On growth, COMMERCE BANCSHARES INC posted the faster year-over-year revenue change (11.1% vs 6.7%). Over the past eight quarters, COMMERCE BANCSHARES INC's revenue compounded faster (7.1% CAGR vs 1.5%).
Commerce Bancshares, Inc. is a regional bank holding company headquartered in Missouri, with principal offices in Kansas City and St. Louis. It is the corporate parent of Commerce Bank, which offers a diversified line of financial services, including business and personal banking, wealth management and investments through its affiliated companies.
PHINIA Inc. is a global automotive technology provider specializing in fuel injection systems, starters, alternators, and hybrid/electric vehicle components. It serves OEMs and aftermarket customers across North America, Europe, Asia Pacific and key markets, covering passenger car, commercial vehicle and industrial mobility segments.
CBSH vs PHIN — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $475.7M | $889.0M |
| Net Profit | $141.6M | — |
| Gross Margin | — | 21.7% |
| Operating Margin | — | 7.8% |
| Net Margin | 29.8% | — |
| Revenue YoY | 11.1% | 6.7% |
| Net Profit YoY | 0.7% | — |
| EPS (diluted) | $0.96 | $1.14 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $475.7M | — | ||
| Q4 25 | $449.4M | $889.0M | ||
| Q3 25 | $441.0M | $908.0M | ||
| Q2 25 | $445.8M | $890.0M | ||
| Q1 25 | $428.1M | $796.0M | ||
| Q4 24 | $422.1M | $833.0M | ||
| Q3 24 | $421.4M | $839.0M | ||
| Q2 24 | $414.5M | $868.0M |
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | — | ||
| Q3 25 | $141.5M | $13.0M | ||
| Q2 25 | $152.5M | $46.0M | ||
| Q1 25 | $131.6M | $26.0M | ||
| Q4 24 | $136.1M | — | ||
| Q3 24 | $138.0M | $31.0M | ||
| Q2 24 | $139.6M | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 21.7% | ||
| Q3 25 | — | 22.0% | ||
| Q2 25 | — | 22.1% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 22.7% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 21.7% |
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 7.8% | ||
| Q3 25 | 41.9% | 3.7% | ||
| Q2 25 | 44.0% | 10.0% | ||
| Q1 25 | 39.2% | 7.8% | ||
| Q4 24 | 41.2% | 6.1% | ||
| Q3 24 | 42.4% | 7.9% | ||
| Q2 24 | 43.4% | 8.2% |
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | — | ||
| Q3 25 | 32.1% | 1.4% | ||
| Q2 25 | 34.2% | 5.2% | ||
| Q1 25 | 30.7% | 3.3% | ||
| Q4 24 | 32.2% | — | ||
| Q3 24 | 32.8% | 3.7% | ||
| Q2 24 | 33.7% | 1.6% |
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $1.14 | ||
| Q3 25 | $1.06 | $0.33 | ||
| Q2 25 | $1.14 | $1.14 | ||
| Q1 25 | $0.98 | $0.63 | ||
| Q4 24 | $0.83 | $0.13 | ||
| Q3 24 | $1.01 | $0.70 | ||
| Q2 24 | $1.03 | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $359.0M |
| Total DebtLower is stronger | — | $970.0M |
| Stockholders' EquityBook value | $4.3B | $1.6B |
| Total Assets | $35.7B | $3.8B |
| Debt / EquityLower = less leverage | — | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $359.0M | ||
| Q3 25 | — | $349.0M | ||
| Q2 25 | — | $347.0M | ||
| Q1 25 | — | $373.0M | ||
| Q4 24 | — | $484.0M | ||
| Q3 24 | — | $477.0M | ||
| Q2 24 | — | $339.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $970.0M | ||
| Q3 25 | — | $990.0M | ||
| Q2 25 | — | $990.0M | ||
| Q1 25 | — | $989.0M | ||
| Q4 24 | — | $988.0M | ||
| Q3 24 | — | $987.0M | ||
| Q2 24 | — | $821.0M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $1.6B | ||
| Q3 25 | $3.8B | $1.6B | ||
| Q2 25 | $3.6B | $1.6B | ||
| Q1 25 | $3.5B | $1.5B | ||
| Q4 24 | $3.3B | $1.6B | ||
| Q3 24 | $3.4B | $1.7B | ||
| Q2 24 | $3.1B | $1.7B |
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $3.8B | ||
| Q3 25 | $32.3B | $4.0B | ||
| Q2 25 | $32.3B | $3.9B | ||
| Q1 25 | $32.4B | $3.7B | ||
| Q4 24 | $32.0B | $3.8B | ||
| Q3 24 | $31.5B | $4.0B | ||
| Q2 24 | $30.6B | $3.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.62× | ||
| Q2 25 | — | 0.61× | ||
| Q1 25 | — | 0.64× | ||
| Q4 24 | — | 0.63× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.47× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $96.0M |
| Free Cash FlowOCF − Capex | — | $67.0M |
| FCF MarginFCF / Revenue | — | 7.5% |
| Capex IntensityCapex / Revenue | — | 3.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $188.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | $96.0M | ||
| Q3 25 | $129.0M | $119.0M | ||
| Q2 25 | $111.2M | $57.0M | ||
| Q1 25 | $138.6M | $40.0M | ||
| Q4 24 | $577.9M | $73.0M | ||
| Q3 24 | $431.7M | $95.0M | ||
| Q2 24 | $147.4M | $109.0M |
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | $67.0M | ||
| Q3 25 | $113.3M | $93.0M | ||
| Q2 25 | $100.5M | $23.0M | ||
| Q1 25 | $126.0M | $5.0M | ||
| Q4 24 | $531.7M | $53.0M | ||
| Q3 24 | $419.1M | $70.0M | ||
| Q2 24 | $138.9M | $92.0M |
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | 7.5% | ||
| Q3 25 | 25.7% | 10.2% | ||
| Q2 25 | 22.5% | 2.6% | ||
| Q1 25 | 29.4% | 0.6% | ||
| Q4 24 | 126.0% | 6.4% | ||
| Q3 24 | 99.5% | 8.3% | ||
| Q2 24 | 33.5% | 10.6% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 3.3% | ||
| Q3 25 | 3.6% | 2.9% | ||
| Q2 25 | 2.4% | 3.8% | ||
| Q1 25 | 2.9% | 4.4% | ||
| Q4 24 | 10.9% | 2.4% | ||
| Q3 24 | 3.0% | 3.0% | ||
| Q2 24 | 2.1% | 2.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | — | ||
| Q3 25 | 0.91× | 9.15× | ||
| Q2 25 | 0.73× | 1.24× | ||
| Q1 25 | 1.05× | 1.54× | ||
| Q4 24 | 4.25× | — | ||
| Q3 24 | 3.13× | 3.06× | ||
| Q2 24 | 1.06× | 7.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBSH
Segment breakdown not available.
PHIN
| Customer | $618.0M | 70% |
| Fuel Systems | $194.0M | 22% |
| Other | $77.0M | 9% |
