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Side-by-side financial comparison of COMMERCE BANCSHARES INC /MO/ (CBSH) and HomeTrust Bancshares, Inc. (HTB), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
COMMERCE BANCSHARES INC /MO/ is the larger business by last-quarter revenue ($475.7M vs $44.2M, roughly 10.8× HomeTrust Bancshares, Inc.). On growth, COMMERCE BANCSHARES INC /MO/ posted the faster year-over-year revenue change (11.1% vs 1.7%).
コマース・バンクシェアーズ・インクは米国ミズーリ州に本社を置く地域銀行持株会社で、カンザスシティとセントルイスに主要事務所を構えている。傘下のコマース・バンクは企業・個人向け銀行業務、資産運用、関連会社経由の投資業務を含む多様な金融サービスを提供している。
HomeTrust Bancshares, Inc.は米国ノースカロライナ州アッシュビルに本拠を置く銀行持株会社で、総資産は43億ドル、ノースカロライナ、サウスカロライナ、ジョージア、テネシー各州に計33店舗を展開し、HomeTrust銀行、Tryon連邦銀行など7つの地域銀行を傘下に収めています。
CBSH vs HTB — Head-to-Head
Income Statement — Q1 2026 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $475.7M | $44.2M |
| Net Profit | $141.6M | — |
| Gross Margin | — | — |
| Operating Margin | — | 44.9% |
| Net Margin | 29.8% | — |
| Revenue YoY | 11.1% | 1.7% |
| Net Profit YoY | 0.7% | — |
| EPS (diluted) | $0.96 | $0.93 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q1 26 | $475.7M | — | ||
| Q4 25 | $283.2M | $44.2M | ||
| Q3 25 | $0 | $45.4M | ||
| Q2 25 | $0 | $44.2M | ||
| Q1 25 | $0 | $42.9M | ||
| Q4 24 | $266.6M | $43.5M | ||
| Q3 24 | $0 | $42.4M | ||
| Q2 24 | $0 | $42.4M |
| Q1 26 | $141.6M | — | ||
| Q4 25 | $140.7M | — | ||
| Q3 25 | $141.5M | $16.5M | ||
| Q2 25 | $152.5M | $17.2M | ||
| Q1 25 | $131.6M | $14.5M | ||
| Q4 24 | $136.1M | — | ||
| Q3 24 | $138.0M | $13.1M | ||
| Q2 24 | $139.6M | $12.4M |
| Q1 26 | — | — | ||
| Q4 25 | 64.7% | 44.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 43.0% | ||
| Q4 24 | 65.2% | 42.1% | ||
| Q3 24 | — | 39.7% | ||
| Q2 24 | — | 37.2% |
| Q1 26 | 29.8% | — | ||
| Q4 25 | 49.7% | — | ||
| Q3 25 | — | 36.3% | ||
| Q2 25 | — | 38.9% | ||
| Q1 25 | — | 33.9% | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | — | 31.0% | ||
| Q2 24 | — | 29.3% |
| Q1 26 | $0.96 | — | ||
| Q4 25 | $0.86 | $0.93 | ||
| Q3 25 | $1.06 | $0.95 | ||
| Q2 25 | $1.14 | $1.00 | ||
| Q1 25 | $0.98 | $0.84 | ||
| Q4 24 | $0.87 | $0.83 | ||
| Q3 24 | $1.07 | $0.76 | ||
| Q2 24 | $1.07 | $0.73 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $324.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $4.3B | $600.7M |
| Total Assets | $35.7B | $4.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q1 26 | — | — | ||
| Q4 25 | — | $324.7M | ||
| Q3 25 | — | $315.8M | ||
| Q2 25 | — | $297.2M | ||
| Q1 25 | — | $299.8M | ||
| Q4 24 | — | $279.2M | ||
| Q3 24 | — | $293.5M | ||
| Q2 24 | — | $294.2M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $3.8B | $600.7M | ||
| Q3 25 | $3.8B | $595.8M | ||
| Q2 25 | $3.6B | $579.3M | ||
| Q1 25 | $3.5B | $565.4M | ||
| Q4 24 | $3.3B | $551.8M | ||
| Q3 24 | $3.4B | $540.0M | ||
| Q2 24 | $3.1B | $523.6M |
| Q1 26 | $35.7B | — | ||
| Q4 25 | $32.9B | $4.5B | ||
| Q3 25 | $32.3B | $4.6B | ||
| Q2 25 | $32.3B | $4.6B | ||
| Q1 25 | $32.4B | $4.6B | ||
| Q4 24 | $32.0B | $4.6B | ||
| Q3 24 | $31.5B | $4.6B | ||
| Q2 24 | $30.6B | $4.7B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-2.1M |
| Free Cash FlowOCF − Capex | — | $-3.2M |
| FCF MarginFCF / Revenue | — | -7.1% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | — | 2.4% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $45.3M |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $-2.1M | ||
| Q3 25 | $129.0M | $-11.3M | ||
| Q2 25 | $111.2M | $-8.8M | ||
| Q1 25 | $138.6M | $71.7M | ||
| Q4 24 | $-136.7M | $4.8M | ||
| Q3 24 | $431.7M | $43.8M | ||
| Q2 24 | $147.4M | $5.9M |
| Q1 26 | — | — | ||
| Q4 25 | $252.6M | $-3.2M | ||
| Q3 25 | $113.3M | $-12.0M | ||
| Q2 25 | $100.5M | $-10.2M | ||
| Q1 25 | $126.0M | $70.7M | ||
| Q4 24 | $-150.7M | $3.2M | ||
| Q3 24 | $419.1M | $43.1M | ||
| Q2 24 | $138.9M | $5.7M |
| Q1 26 | — | — | ||
| Q4 25 | 89.2% | -7.1% | ||
| Q3 25 | — | -26.5% | ||
| Q2 25 | — | -23.0% | ||
| Q1 25 | — | 164.7% | ||
| Q4 24 | -56.5% | 7.4% | ||
| Q3 24 | — | 101.7% | ||
| Q2 24 | — | 13.4% |
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 2.4% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 3.0% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | 5.3% | 3.6% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 1.89× | — | ||
| Q3 25 | 0.91× | -0.68× | ||
| Q2 25 | 0.73× | -0.51× | ||
| Q1 25 | 1.05× | 4.93× | ||
| Q4 24 | -1.00× | — | ||
| Q3 24 | 3.13× | 3.34× | ||
| Q2 24 | 1.06× | 0.48× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
