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CBSH Dividend DRIP Calculator 2026
1.84% YieldFinancial ServicesCommerce Bancshares, Inc. · NASDAQ
Price: $59.09 · Annual div: $1.09/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When CBSH pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in CBSH → $1.05M in 10 years · $110.69/month
About Commerce Bancshares, Inc. (CBSH) — Dividend Analysis 2026
Commerce Bancshares, Inc. functions as the parent organization for Commerce Bank, delivering a comprehensive suite of financial products and services. These offerings span retail banking, mortgage services, corporate finance, investment solutions, trust administration, and asset management, catering to both individuals and businesses across the United States. Its operational structure is divided into three principal divisions: Consumer, Commercial, and Wealth Management. The Consumer division focuses on individual clients, providing essential banking services such as deposit accounts and a diverse range of personal loans. These include financing for automobiles, motorcycles, marine vehicles, tractor/trailers, recreational vehicles, fixed-rate and revolving home equity loans, and other personal credit products. This segment also facilitates patient healthcare funding, real estate loans, various indirect consumer financing options, personalized mortgage banking, installment lending, and consumer debit and credit cards. The Commercial segment offers robust support to businesses and institutional clients through corporate lending, equipment leasing, international banking, merchant and commercial card services, and secure securities safekeeping with bond accounting. It also manages specific business products, government deposit accounts, and extensive commercial cash management solutions. Additionally, this segment trades fixed-income securities to correspondent banks, corporate entities, public institutions, municipalities, and individual investors. Within the Wealth Management division, the company delivers traditional trust and estate planning, expert advisory and discretionary investment portfolio management, brokerage services, and exclusive private banking accounts. Beyond these core segments, Commerce Bancshares further offers private equity investment opportunities, securities brokerage, insurance agency functions, specialized lending, and additional leasing services. It also ensures convenient access to banking through its online and mobile platforms. The company maintains a significant physical presence with 287 branch locations distributed across Missouri, Kansas, Illinois, Oklahoma, and Colorado, complemented by several dedicated commercial offices. Established in 1865, Commerce Bancshares, Inc. is headquartered in Kansas City, Missouri.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 CBSH Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CBSH.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.84% | -0.96% | $184 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.56% | -1.24% | $156 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.47% | -1.33% | $147 / yr |
| 🇬🇧 UK ISA | 0% | 1.84% | -0.96% | $184 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.68% | -1.12% | $168 / yr |
| 🇨🇦 TFSA | 0% | 1.84% | -0.96% | $184 / yr |
| 🇨🇦 CA Taxable | 25% | 1.38% | -1.42% | $138 / yr |
| 🇦🇺 Super (pension) | 15% | 1.56% | -1.24% | $156 / yr |
| 🇦🇺 AU Taxable | 30% | 1.29% | -1.51% | $129 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.35% | -1.45% | $135 / yr |
| 🇫🇷 FR Taxable | 30% | 1.29% | -1.51% | $129 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CBSH Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.09/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CBSH Dividend Payment Schedule
CBSH pays quarterly — 4 times per year. Next ex-div: TBD.
📊 CBSH vs Financial Services Benchmarks
How CBSH compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBSH sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CBSH Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-08-14 | 1,353 | $39.14 | $53.0K | ||
| F-InKind | 2026-08-14 | 275 | $60.31 | $16.6K | ||
| M-Exempt | 2026-08-14 | 1,194 | $37.91 | $45.3K | ||
| D-Return | 2026-08-14 | 1,630 | $60.31 | $98.3K | ||
| Sale | 2026-08-14 | 642 | $60.35 | $38.7K | ||
| M-Exempt | 2026-08-14 | 1,353 | $39.14 | $53.0K | ||
| M-Exempt | 2026-08-14 | 1,194 | $37.91 | $45.3K | ||
| M-Exempt | 2026-08-04 | 3,507 | $39.90 | $139.9K | ||
| F-InKind | 2026-08-04 | 357 | $60.32 | $21.5K | ||
| D-Return | 2026-08-04 | 2,320 | $60.32 | $139.9K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CBSH dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Commerce Bancshares, Inc. (CBSH) is currently trading at $59.09, 11% below its 52-week high. The current dividend yield is 1.84% based on an annual payout of $1.09 per share.
CBSH (Commerce Bancshares, Inc.) — 1.84% Dividend Yield Analysis
Commerce Bancshares, Inc. (CBSH) is a financial services stock currently trading at $59.09 with a dividend yield of 1.84%. The company pays an annual dividend of $1.09 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CBSH has grown its dividend at a compound annual rate of 21.2%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.