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Side-by-side financial comparison of COMMERCE BANCSHARES INC (CBSH) and TEXAS CAPITAL BANCSHARES INC (TCBI). Click either name above to swap in a different company.
COMMERCE BANCSHARES INC is the larger business by last-quarter revenue ($475.7M vs $324.0M, roughly 1.5× TEXAS CAPITAL BANCSHARES INC). COMMERCE BANCSHARES INC runs the higher net margin — 29.8% vs 22.8%, a 7.0% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs 11.1%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs 7.1%).
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.
Texas Capital Bank is a bank headquartered in Dallas, Texas. The bank has branches located in every major city in Texas. Its parent bank holding company is Texas Capital Bancshares. It also operates an online-only banking division, Bask Bank.
CBSH vs TCBI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $475.7M | $324.0M |
| Net Profit | $141.6M | $73.8M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 29.8% | 22.8% |
| Revenue YoY | 11.1% | 15.5% |
| Net Profit YoY | 0.7% | 56.8% |
| EPS (diluted) | $0.96 | $1.56 |
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 | $324.0M | ||
| Q4 25 | $449.4M | $327.5M | ||
| Q3 25 | $441.0M | $340.4M | ||
| Q2 25 | $445.8M | $307.5M | ||
| Q1 25 | $428.1M | $280.5M | ||
| Q4 24 | $422.1M | $229.6M | ||
| Q3 24 | $421.4M | $125.3M | ||
| Q2 24 | $414.5M | $267.0M |
| Q1 26 | $141.6M | $73.8M | ||
| Q4 25 | $140.7M | $100.7M | ||
| Q3 25 | $141.5M | $105.2M | ||
| Q2 25 | $152.5M | $77.3M | ||
| Q1 25 | $131.6M | $47.0M | ||
| Q4 24 | $136.1M | $71.0M | ||
| Q3 24 | $138.0M | $-61.3M | ||
| Q2 24 | $139.6M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | 40.8% | 40.4% | ||
| Q3 25 | 41.9% | 40.5% | ||
| Q2 25 | 44.0% | 33.2% | ||
| Q1 25 | 39.2% | 21.6% | ||
| Q4 24 | 41.2% | 40.7% | ||
| Q3 24 | 42.4% | -63.8% | ||
| Q2 24 | 43.4% | 21.9% |
| Q1 26 | 29.8% | 22.8% | ||
| Q4 25 | 31.3% | 30.7% | ||
| Q3 25 | 32.1% | 30.9% | ||
| Q2 25 | 34.2% | 25.2% | ||
| Q1 25 | 30.7% | 16.8% | ||
| Q4 24 | 32.2% | 30.9% | ||
| Q3 24 | 32.8% | -48.9% | ||
| Q2 24 | 33.7% | 15.6% |
| Q1 26 | $0.96 | $1.56 | ||
| Q4 25 | $0.86 | $2.11 | ||
| Q3 25 | $1.06 | $2.18 | ||
| Q2 25 | $1.14 | $1.58 | ||
| Q1 25 | $0.98 | $0.92 | ||
| Q4 24 | $0.83 | $1.43 | ||
| Q3 24 | $1.01 | $-1.41 | ||
| Q2 24 | $1.03 | $0.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $878.3M |
| Stockholders' EquityBook value | $4.3B | $3.6B |
| Total Assets | $35.7B | $33.5B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $878.3M | ||
| Q4 25 | — | $620.6M | ||
| Q3 25 | — | $620.4M | ||
| Q2 25 | — | $620.3M | ||
| Q1 25 | — | $660.5M | ||
| Q4 24 | — | $660.3M | ||
| Q3 24 | — | $660.2M | ||
| Q2 24 | — | $660.0M |
| Q1 26 | $4.3B | $3.6B | ||
| Q4 25 | $3.8B | $3.6B | ||
| Q3 25 | $3.8B | $3.6B | ||
| Q2 25 | $3.6B | $3.5B | ||
| Q1 25 | $3.5B | $3.4B | ||
| Q4 24 | $3.3B | $3.4B | ||
| Q3 24 | $3.4B | $3.4B | ||
| Q2 24 | $3.1B | $3.2B |
| Q1 26 | $35.7B | $33.5B | ||
| Q4 25 | $32.9B | $31.5B | ||
| Q3 25 | $32.3B | $32.5B | ||
| Q2 25 | $32.3B | $31.9B | ||
| Q1 25 | $32.4B | $31.4B | ||
| Q4 24 | $32.0B | $30.7B | ||
| Q3 24 | $31.5B | $31.6B | ||
| Q2 24 | $30.6B | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
