RF vs. CBSH
RF (Regions Financial Corporation) and CBSH (Commerce Bancshares, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, RF returned 17.26%/yr vs 8.85%/yr for CBSH. A 0.56 correlation means they provide meaningful diversification when combined.
Performance
RF vs. CBSH - Performance Comparison
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Returns By Period
In the year-to-date period, RF achieves a 8.13% return, which is significantly higher than CBSH's 6.36% return. Over the past 10 years, RF has outperformed CBSH with an annualized return of 17.26%, while CBSH has yielded a comparatively lower 8.85% annualized return.
RF
- 1D
- 0.45%
- 1M
- 4.29%
- YTD
- 8.13%
- 6M
- 5.33%
- 1Y
- 34.69%
- 3Y*
- 25.32%
- 5Y*
- 12.34%
- 10Y*
- 17.26%
CBSH
- 1D
- 0.64%
- 1M
- 5.73%
- YTD
- 6.36%
- 6M
- 4.99%
- 1Y
- -2.85%
- 3Y*
- 13.92%
- 5Y*
- 0.88%
- 10Y*
- 8.85%
RF vs. CBSH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RF Regions Financial Corporation | 8.13% | 21.99% | 27.00% | -5.69% | 2.33% | 39.39% | -1.61% | 33.35% | -20.59% | 22.95% |
CBSH Commerce Bancshares, Inc. | 6.36% | -10.16% | 24.71% | -15.91% | 5.56% | 11.44% | 3.71% | 28.74% | 7.52% | 3.07% |
Correlation
The correlation between RF and CBSH is 0.71, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.71 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.74 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.76 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.77 |
Correlation (All Time) Calculated using the full available price history since Mar 26, 1990 | 0.57 |
The correlation between RF and CBSH shifts across timeframes, from 0.56 (all time) to 0.77 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
RF:
$24.96B
CBSH:
$8.03B
RF:
$2.51
CBSH:
$4.20
RF:
11.44
CBSH:
13.11
RF:
2.65
CBSH:
3.60
RF:
1.43
CBSH:
1.87
RF:
$9.62B
CBSH:
$2.10B
RF:
$7.29B
CBSH:
$1.31B
RF:
$2.90B
CBSH:
$614.94M
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Return for Risk
RF vs. CBSH — Risk / Return Rank
RF
CBSH
RF vs. CBSH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Regions Financial Corporation (RF) and Commerce Bancshares, Inc. (CBSH). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| RF | CBSH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.55 | ||
| Sortino ratioReturn per unit of downside risk | +2.01 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 0.99 | +0.26 |
| Calmar ratioReturn relative to maximum drawdown | 1.89 | -0.12 | +2.01 |
| Martin ratioReturn relative to average drawdown | 4.49 | -0.20 | +4.68 |
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Drawdowns
RF vs. CBSH - Drawdown Comparison
The maximum RF drawdown since its inception was -92.65%, which is greater than CBSH's maximum drawdown of -44.70%. Use the drawdown chart below to compare losses from any high point for RF and CBSH.
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Drawdown Indicators
| RF | CBSH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.65% | -44.70% | -47.95% |
Max Drawdown (1Y)Largest decline over 1 year | -18.45% | -23.44% | +4.99% |
Max Drawdown (3Y)Largest decline over 3 years | -32.35% | -27.63% | -4.72% |
Max Drawdown (5Y)Largest decline over 5 years | -40.99% | -38.02% | -2.97% |
Max Drawdown (10Y)Largest decline over 10 years | -60.73% | -38.23% | -22.50% |
Current DrawdownCurrent decline from peak | -5.32% | -15.62% | +10.30% |
Average DrawdownAverage peak-to-trough decline | -31.05% | -9.24% | -21.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.75% | 14.62% | -6.87% |
Volatility
RF vs. CBSH - Volatility Comparison
Regions Financial Corporation (RF) has a higher volatility of 6.65% compared to Commerce Bancshares, Inc. (CBSH) at 4.96%. This indicates that RF's price experiences larger fluctuations and is considered to be riskier than CBSH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RF | CBSH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.65% | 4.96% | +1.69% |
Volatility (6M)Calculated over the trailing 6-month period | 17.85% | 13.67% | +4.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.68% | 21.05% | +3.63% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.34% | 24.19% | +7.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.91% | 26.48% | +9.43% |
Dividends
RF vs. CBSH - Dividend Comparison
RF's dividend yield for the trailing twelve months is around 3.69%, more than CBSH's 1.97% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CBSH Commerce Bancshares, Inc. | 1.97% | 2.03% | 1.67% | 1.95% | 1.50% | 1.47% | 2.00% | 1.48% | 1.61% | 1.55% | 2.93% | 2.04% |
RF Regions Financial Corporation | 3.69% | 5.12% | 4.17% | 4.54% | 3.43% | 2.98% | 3.85% | 3.44% | 3.44% | 1.82% | 1.78% | 2.40% |
Financials
RF vs. CBSH - Financials Comparison
This section allows you to compare key financial metrics between Regions Financial Corporation and Commerce Bancshares, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
RF vs. CBSH - Profitability Comparison
RF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a gross profit of 1.78B and revenue of 2.33B. Therefore, the gross margin over that period was 76.6%.
CBSH - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Commerce Bancshares, Inc. reported a gross profit of 0.00 and revenue of 475.69M. Therefore, the gross margin over that period was 0.0%.
RF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported an operating income of 714.00M and revenue of 2.33B, resulting in an operating margin of 30.7%.
CBSH - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Commerce Bancshares, Inc. reported an operating income of 0.00 and revenue of 475.69M, resulting in an operating margin of 0.0%.
RF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a net income of 559.00M and revenue of 2.33B, resulting in a net margin of 24.0%.
CBSH - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Commerce Bancshares, Inc. reported a net income of 141.62M and revenue of 475.69M, resulting in a net margin of 29.8%.
Frequently Asked Questions
RF and CBSH have a correlation of 0.71, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RF has higher volatility (6.65%) compared to CBSH (4.96%). In terms of maximum drawdown, RF dropped -92.65% vs CBSH's -44.70%.
RF currently has the higher Sharpe Ratio (1.41 vs -0.14), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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