CBSH vs. SEIC: A Head-to-Head Stock Comparison

Updated on October 5, 2025

Here’s a clear look at CBSH and SEIC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	CBSH	SEIC
Company Name	Commerce Bancshares, Inc.	SEI Investments Company
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Capital Markets
Market Capitalization	7.88 billion USD	10.58 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	March 17, 1980	March 25, 1981
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of CBSH and SEIC by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CBSH vs. SEIC: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	CBSH	SEIC
5-Day Price Return	-0.52%	0.23%
13-Week Price Return	-8.35%	-8.03%
26-Week Price Return	-4.92%	10.29%
52-Week Price Return	8.93%	23.21%
Month-to-Date Return	-0.99%	0.91%
Year-to-Date Return	-5.04%	3.81%
10-Day Avg. Volume	0.82M	0.78M
3-Month Avg. Volume	0.82M	0.94M
3-Month Volatility	17.35%	15.67%
Beta	0.65	1.00

Profitability

Return on Equity (TTM)

CBSH

16.11%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

In the upper quartile for the Banks industry, CBSH’s Return on Equity of 16.11% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SEIC

29.96%

Capital Markets Industry

Max: 38.97%
Q3: 22.24%
Median: 13.52%
Q1: 8.61%
Min: -4.25%

In the upper quartile for the Capital Markets industry, SEIC’s Return on Equity of 29.96% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CBSH vs. SEIC: A comparison of their Return on Equity (TTM) against their respective Banks and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

CBSH

32.00%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

CBSH’s Net Profit Margin of 32.00% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

SEIC

31.25%

Capital Markets Industry

Max: 69.91%
Q3: 37.24%
Median: 24.30%
Q1: 13.06%
Min: -15.18%

SEIC’s Net Profit Margin of 31.25% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

CBSH vs. SEIC: A comparison of their Net Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

CBSH

40.62%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

CBSH’s Operating Profit Margin of 40.62% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

SEIC

31.28%

Capital Markets Industry

Max: 84.86%
Q3: 47.16%
Median: 32.23%
Q1: 18.65%
Min: -21.87%

SEIC’s Operating Profit Margin of 31.28% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

CBSH vs. SEIC: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Profitability at a Glance

Symbol	CBSH	SEIC
Return on Equity (TTM)	16.11%	29.96%
Return on Assets (TTM)	1.74%	26.11%
Net Profit Margin (TTM)	32.00%	31.25%
Operating Profit Margin (TTM)	40.62%	31.28%
Gross Profit Margin (TTM)	--	85.77%

Financial Strength

Current Ratio (MRQ)

CBSH

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SEIC

6.18

Capital Markets Industry

Max: 3.37
Q3: 1.81
Median: 1.01
Q1: 0.56
Min: 0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CBSH vs. SEIC: A comparison of their Current Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CBSH

0.72

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SEIC

0.00

Capital Markets Industry

Max: 6.52
Q3: 2.79
Median: 0.96
Q1: 0.28
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

CBSH vs. SEIC: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

CBSH

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SEIC

725.60

Capital Markets Industry

Max: 107.59
Q3: 48.41
Median: 10.85
Q1: 4.56
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

CBSH vs. SEIC: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Financial Strength at a Glance

Symbol	CBSH	SEIC
Current Ratio (MRQ)	--	6.18
Quick Ratio (MRQ)	--	6.18
Debt-to-Equity Ratio (MRQ)	0.72	0.00
Interest Coverage Ratio (TTM)	--	725.60

Growth

Revenue Growth

CBSH vs. SEIC: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CBSH vs. SEIC: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CBSH

1.93%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

CBSH’s Dividend Yield of 1.93% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

SEIC

1.17%

Capital Markets Industry

Max: 9.02%
Q3: 4.54%
Median: 2.55%
Q1: 1.27%
Min: 0.00%

SEIC’s Dividend Yield of 1.17% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CBSH vs. SEIC: A comparison of their Dividend Yield (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

CBSH

27.23%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

CBSH’s Dividend Payout Ratio of 27.23% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SEIC

23.07%

Capital Markets Industry

Max: 199.38%
Q3: 99.28%
Median: 60.67%
Q1: 32.00%
Min: 0.00%

SEIC’s Dividend Payout Ratio of 23.07% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

CBSH vs. SEIC: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	CBSH	SEIC
Dividend Yield (TTM)	1.93%	1.17%
Dividend Payout Ratio (TTM)	27.23%	23.07%

Valuation

Price-to-Earnings Ratio (TTM)

CBSH

14.08

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

A P/E Ratio of 14.08 places CBSH in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

SEIC

15.24

Capital Markets Industry

Max: 51.69
Q3: 29.42
Median: 17.58
Q1: 12.55
Min: 5.59

SEIC’s P/E Ratio of 15.24 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CBSH vs. SEIC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

CBSH

3.95

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SEIC

4.76

Capital Markets Industry

Max: 14.65
Q3: 7.29
Median: 4.53
Q1: 2.26
Min: 0.04

SEIC’s P/S Ratio of 4.76 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CBSH vs. SEIC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

CBSH

2.28

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

At 2.28, CBSH’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

SEIC

4.78

Capital Markets Industry

Max: 10.83
Q3: 5.12
Median: 2.66
Q1: 1.19
Min: 0.37

SEIC’s P/B Ratio of 4.78 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

CBSH vs. SEIC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	CBSH	SEIC
Price-to-Earnings Ratio (TTM)	14.08	15.24
Price-to-Sales Ratio (TTM)	3.95	4.76
Price-to-Book Ratio (MRQ)	2.28	4.78
Price-to-Free Cash Flow Ratio (TTM)	12.17	17.86