Seeking Clues to Commerce (CBSH) Q1 Earnings? A Peek Into Wall Street Projections for Key Metrics

Core Viewpoint - Commerce Bancshares (CBSH) is expected to report quarterly earnings of $0.93 per share, an increase of 8.1% year-over-year, with revenues forecasted at $415.93 million, reflecting a 4.6% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised down by 0.8% in the last 30 days, indicating a reassessment by analysts [2]. - Revisions to earnings projections are crucial for predicting investor behavior and are linked to short-term stock price performance [3]. Key Financial Metrics - Analysts project the 'Efficiency Ratio' to be 58.3%, down from 61.7% in the same quarter last year [5]. - The 'Net Interest Margin' is expected to be 3.5%, compared to 3.3% in the same quarter last year [5]. - 'Average total interest earning assets' are estimated at $30.24 billion, slightly lower than the $30.37 billion reported in the same quarter last year [6]. - The 'Tier I Leverage Ratio' is forecasted at 12.4%, up from 11.8% a year ago [6]. - The 'Tier I risk-based capital ratio' is expected to reach 16.6%, compared to 15.4% in the previous year [6]. - The 'Total risk-based capital ratio' is estimated at 17.4%, up from 16.1% in the same quarter last year [7]. Non-Interest Income and Fees - 'Total Non-Interest Income' is projected to be $154.31 million, an increase from $148.85 million a year ago [8]. - 'Fully-taxable equivalent net interest income' is expected to be $262.38 million, compared to $251.31 million in the same quarter last year [8]. - 'Trust fees' are anticipated to reach $56.05 million, up from $51.11 million in the previous year [9]. - 'Bank card transaction fees' are projected at $46.74 million, slightly down from $46.93 million a year ago [9]. - 'Deposit account charges and other fees' are expected to be $24.87 million, compared to $24.15 million in the same quarter last year [10]. Stock Performance - Shares of Commerce have returned -4.5% over the past month, compared to a -6.1% change in the Zacks S&P 500 composite [11].