Is COMMERCE BANCSHARES INC /MO/ (CBSH) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 42.6% | |
| Net Margin | 33.1% | |
| Return on Equity (ROE) | 16.0% | |
| Return on Assets (ROA) | 1.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $645M |
| Free Cash Flow | $592M |
| Total Debt | $13M |
| Total Assets | $32.9B |
Price & Trading
| Last Close | $48.99 |
| 50-Day MA | $51.74 |
| 200-Day MA | $54.69 |
| Avg Volume | 1.3M |
| Beta | 0.6 |
|
52-Week Range
$46.99
| |
About COMMERCE BANCSHARES INC /MO/ (CBSH)
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: Retail Banking, Commercial, and Wealth. The Retail Banking 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.
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Frequently Asked Questions
Is COMMERCE BANCSHARES INC /MO/ (CBSH) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), COMMERCE BANCSHARES INC /MO/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is COMMERCE BANCSHARES INC /MO/'s debt ratio?
COMMERCE BANCSHARES INC /MO/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are COMMERCE BANCSHARES INC /MO/'s key financial metrics?
COMMERCE BANCSHARES INC /MO/ has a market capitalization of $7.1B, trailing P/E ratio of 11.9, and revenue of $1.8B. Return on equity stands at 16.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.