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Side-by-side financial comparison of COMMERCE BANCSHARES INC (CBSH) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
COMMERCE BANCSHARES INC is the larger business by last-quarter revenue ($475.7M vs $426.9M, roughly 1.1× Savers Value Village, Inc.). COMMERCE BANCSHARES INC runs the higher net margin — 29.8% vs -3.3%, a 33.1% gap on every dollar of revenue. On growth, COMMERCE BANCSHARES INC posted the faster year-over-year revenue change (11.1% vs 8.1%). Over the past eight quarters, COMMERCE BANCSHARES INC's revenue compounded faster (7.1% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
CBSH vs SVV — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $475.7M | $426.9M |
| Net Profit | $141.6M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | — | 8.5% |
| Net Margin | 29.8% | -3.3% |
| Revenue YoY | 11.1% | 8.1% |
| Net Profit YoY | 10.5% | -164.6% |
| EPS (diluted) | $0.96 | $-0.09 |
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 | — | ||
| Q3 25 | $441.0M | $426.9M | ||
| Q2 25 | $445.8M | $417.2M | ||
| Q1 25 | $428.1M | $370.1M | ||
| Q4 24 | $422.1M | $402.0M | ||
| Q3 24 | $421.4M | $394.8M | ||
| Q2 24 | $414.5M | $386.7M |
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | — | ||
| Q3 25 | $141.5M | $-14.0M | ||
| Q2 25 | $152.5M | $18.9M | ||
| Q1 25 | $131.6M | $-4.7M | ||
| Q4 24 | $136.1M | $-1.9M | ||
| Q3 24 | $138.0M | $21.7M | ||
| Q2 24 | $139.6M | $9.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% |
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | — | ||
| Q3 25 | 41.9% | 8.5% | ||
| Q2 25 | 44.0% | 8.2% | ||
| Q1 25 | 39.2% | 2.8% | ||
| Q4 24 | 41.2% | 8.2% | ||
| Q3 24 | 42.4% | 12.3% | ||
| Q2 24 | 43.4% | 8.3% |
| Q1 26 | 29.8% | — | ||
| Q4 25 | 31.3% | — | ||
| Q3 25 | 32.1% | -3.3% | ||
| Q2 25 | 34.2% | 4.5% | ||
| Q1 25 | 30.7% | -1.3% | ||
| Q4 24 | 32.2% | -0.5% | ||
| Q3 24 | 32.8% | 5.5% | ||
| Q2 24 | 33.7% | 2.5% |
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | — | ||
| Q3 25 | $1.06 | $-0.09 | ||
| Q2 25 | $1.14 | $0.12 | ||
| Q1 25 | $0.98 | $-0.03 | ||
| Q4 24 | $0.83 | $-0.02 | ||
| Q3 24 | $1.01 | $0.13 | ||
| Q2 24 | $1.03 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $63.5M |
| Total DebtLower is stronger | — | $750.0M |
| Stockholders' EquityBook value | $4.3B | $414.6M |
| Total Assets | $35.7B | $2.0B |
| Debt / EquityLower = less leverage | — | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $63.5M | ||
| Q2 25 | — | $70.5M | ||
| Q1 25 | — | $73.0M | ||
| Q4 24 | — | $150.0M | ||
| Q3 24 | — | $137.7M | ||
| Q2 24 | — | $160.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $750.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | — | ||
| Q3 25 | $3.8B | $414.6M | ||
| Q2 25 | $3.6B | $423.5M | ||
| Q1 25 | $3.5B | $413.8M | ||
| Q4 24 | $3.3B | $421.7M | ||
| Q3 24 | $3.4B | $432.9M | ||
| Q2 24 | $3.1B | $419.5M |
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | — | ||
| Q3 25 | $32.3B | $2.0B | ||
| Q2 25 | $32.3B | $1.9B | ||
| Q1 25 | $32.4B | $1.9B | ||
| Q4 24 | $32.0B | $1.9B | ||
| Q3 24 | $31.5B | $1.9B | ||
| Q2 24 | $30.6B | $1.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.81× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $21.6M |
| Free Cash FlowOCF − Capex | — | $-6.3M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $645.1M | — | ||
| Q3 25 | $129.0M | $21.6M | ||
| Q2 25 | $111.2M | $54.4M | ||
| Q1 25 | $138.6M | $419.0K | ||
| Q4 24 | $577.9M | $55.8M | ||
| Q3 24 | $431.7M | $23.9M | ||
| Q2 24 | $147.4M | $60.4M |
| Q1 26 | — | — | ||
| Q4 25 | $592.4M | — | ||
| Q3 25 | $113.3M | $-6.3M | ||
| Q2 25 | $100.5M | $21.9M | ||
| Q1 25 | $126.0M | $-20.2M | ||
| Q4 24 | $531.7M | $30.1M | ||
| Q3 24 | $419.1M | $-3.0M | ||
| Q2 24 | $138.9M | $29.6M |
| Q1 26 | — | — | ||
| Q4 25 | 131.8% | — | ||
| Q3 25 | 25.7% | -1.5% | ||
| Q2 25 | 22.5% | 5.2% | ||
| Q1 25 | 29.4% | -5.4% | ||
| Q4 24 | 126.0% | 7.5% | ||
| Q3 24 | 99.5% | -0.8% | ||
| Q2 24 | 33.5% | 7.6% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | — | ||
| Q3 25 | 3.6% | 6.5% | ||
| Q2 25 | 2.4% | 7.8% | ||
| Q1 25 | 2.9% | 5.6% | ||
| Q4 24 | 10.9% | 6.4% | ||
| Q3 24 | 3.0% | 6.8% | ||
| Q2 24 | 2.1% | 8.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.59× | — | ||
| Q3 25 | 0.91× | — | ||
| Q2 25 | 0.73× | 2.88× | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 4.25× | — | ||
| Q3 24 | 3.13× | 1.10× | ||
| Q2 24 | 1.06× | 6.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBSH
Segment breakdown not available.
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
