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Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Commerce Bancshares, Inc., Stellar Bancorp or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.
Read on to learn how Commerce Bancshares, Inc., Stellar Bancorp and Inc. compare based on key financial metrics to determine which better meets your investment needs.
About Commerce Bancshares, Inc., Stellar Bancorp and Inc.
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Consumer, Commercial, and Wealth. The Consumer segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier’s checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.
Latest Banks and Commerce Bancshares, Inc., Stellar Bancorp, Inc. Stock News
As of February 10, 2026, Commerce Bancshares, Inc. had a $8.1 billion market capitalization, compared to the Banks median of $560.8 million. Commerce Bancshares, Inc.’s stock is up 4.6% in 2026, up 0.8% in the previous five trading days and down 14.77% in the past year.
Currently, Commerce Bancshares, Inc.’s price-earnings ratio is 13.8. Commerce Bancshares, Inc.’s trailing 12-month revenue is $1.7 billion with a 33.1% net profit margin. Year-over-year quarterly sales growth most recently was 3.1%. Analysts expect adjusted earnings to reach $4.121 per share for the current fiscal year. Commerce Bancshares, Inc. currently has a 2.0% dividend yield.
As of February 10, 2026, Stellar Bancorp, Inc. had a $2.0 billion market cap, putting it in the 55th percentile of all stocks. Stellar Bancorp, Inc.’s stock is up 28.3% in 2026, up 2.7% in the previous five trading days and up 35.32% in the past year.
Currently, Stellar Bancorp, Inc.’s price-earnings ratio is 20.4. Stellar Bancorp, Inc.’s trailing 12-month revenue is $416.5 million with a 24.9% net profit margin. Year-over-year quarterly sales growth most recently was -7.5%. Analysts expect adjusted earnings to reach $2.177 per share for the current fiscal year. Stellar Bancorp, Inc. currently has a 1.5% dividend yield.
How We Compare Commerce Bancshares, Inc., Stellar Bancorp and Inc. Stock Grades
Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.
AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Commerce Bancshares, Inc., Stellar Bancorp and Inc.’s stock grades to see how they measure up against one another.
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