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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%).
Commerce Bancshares, Inc.是总部位于美国密苏里州的区域性银行控股公司，在堪萨斯城和圣路易斯设有核心办公点，旗下Commerce Bank提供多元化金融服务，覆盖企业及个人银行、财富管理、关联公司投资等业务。
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
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.
