CBSH vs CCB

Commerce Bancshares, Inc. vs Coastal Financial Corporation — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — CBSH scores higher on quality with 8.6/10 vs CCB's 8.4/10. CBSH trades at $52.02 while CCB trades at $70.67. Both analyzed daily using SEC EDGAR data across 13 institutional models.

CBSH

Banks - Regional
Commerce Bancshares, Inc.
Quality
8.6
out of 10
Value Trap
8
SAFE
Price
$52.02
Last close
Models
12/13
Active
VS

CCB

Banks - Regional
Coastal Financial Corporation
Quality
8.4
out of 10
Value Trap
Price
$70.67
Last close
Models
11/13
Active
CBSH
Earnings Power Value sees +22.1% upside
Limited to 2/13 visible models
CCB
Bayesian DCF sees +144.1% upside
Limited to 2/13 visible models

CBSH vs CCB — Fair Value Comparison

CBSH
$0$25$50$75 Price$52.02 Bayesian …$43.90 (-15.6%) Earnings …$63.50 (+22.1%)
CCB
$0$68$136$204 Price$70.67 Bayesian …$172.48 (+144.1%) Earnings …$161.38 (+128.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType CBSH Fair ValueCBSH Upside CCB Fair ValueCCB Upside
Bayesian DCF Intrinsic $43.90 -15.6% $172.48 +144.1%
Earnings Power Value Intrinsic $63.50 +22.1% $161.38 +128.4%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

CBSH vs CCB — Which Stock Is More Undervalued in 2026?

CBSH scores higher with a 8.6/10 quality rating vs CCB's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do CBSH and CCB Valuations Compare?

At $52.02, CBSH trades +15.6% above its Bayesian DCF fair value of $43.90, while CCB at $70.67 trades +144.1% below its estimate of $172.48. CCB shows a wider gap between price and intrinsic value.

Quality of Company: CBSH vs CCB

CBSH earns a Quality of Company score of 8.6/10 compared to CCB's 8.4/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: CBSH vs CCB

Review the value trap analysis for both CBSH and CCB to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both CBSH and CCB operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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