What is Commerce Bancshares, Inc.'s Shariah compliance score?

Commerce Bancshares, Inc.'s (CBSH) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Commerce Bancshares, Inc. pass AAOIFI screening?

Commerce Bancshares, Inc. (CBSH) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (CBSH: 35.5%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for Commerce Bancshares, Inc. stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the exact percentage and amount for Commerce Bancshares, Inc. (CBSH) using the latest financial data.

Where can I screen Commerce Bancshares, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Commerce Bancshares, Inc. (CBSH) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about CBSH's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

CBSH: Is Commerce Bancshares, Inc. Halal?

Commerce Bancshares, Inc.

NASDAQFinancial ServicesUS

$58.80

-0.12%

Market Cap: 8.6B

Compliance Status

Not Halal

Screened on Aug 28, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Commerce Bancshares, Inc. (CBSH) halal? Not Halal. Based on AAOIFI screening, Commerce Bancshares, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Commerce Bancshares, Inc. (CBSH) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Aug 28, 2026. Source: https://halalscreener.app/en/stock/CBSH

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

35.5% of 30.0% limit

What this means for you

Most scholars advise not holding CBSH

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Commerce Bancshares, Inc.

Commerce Bancshares, Inc. functions as the parent organization for Commerce Bank, delivering a comprehensive suite of financial products and services. These offerings span retail banking, mortgage services, corporate finance, investment solutions, trust administration, and asset management, catering to both individuals and businesses across the United States. Its operational structure is divided into three principal divisions: Consumer, Commercial, and Wealth Management. The Consumer division focuses on individual clients, providing essential banking services such as deposit accounts and a diverse range of personal loans. These include financing for automobiles, motorcycles, marine vehicles, tractor/trailers, recreational vehicles, fixed-rate and revolving home equity loans, and other personal credit products. This segment also facilitates patient healthcare funding, real estate loans, various indirect consumer financing options, personalized mortgage banking, installment lending, and consumer debit and credit cards. The Commercial segment offers robust support to businesses and institutional clients through corporate lending, equipment leasing, international banking, merchant and commercial card services, and secure securities safekeeping with bond accounting. It also manages specific business products, government deposit accounts, and extensive commercial cash management solutions. Additionally, this segment trades fixed-income securities to correspondent banks, corporate entities, public institutions, municipalities, and individual investors. Within the Wealth Management division, the company delivers traditional trust and estate planning, expert advisory and discretionary investment portfolio management, brokerage services, and exclusive private banking accounts. Beyond these core segments, Commerce Bancshares further offers private equity investment opportunities, securities brokerage, insurance agency functions, specialized lending, and additional leasing services. It also ensures convenient access to banking through its online and mobile platforms. The company maintains a significant physical presence with 287 branch locations distributed across Missouri, Kansas, Illinois, Oklahoma, and Colorado, complemented by several dedicated commercial offices. Established in 1865, Commerce Bancshares, Inc. is headquartered in Kansas City, Missouri.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Aug 28, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$396.75

+0.17%

SLVA+

iShares Silver Trust

$57.92

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

CEFA+

Sprott Physical Gold and Silver Trust

$43.28

+4.44%

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BAC

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Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Commerce Bancshares, Inc. (CBSH) halal to invest in?

Commerce Bancshares, Inc. (CBSH) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Commerce Bancshares, Inc. get a F compliance rating?

Commerce Bancshares, Inc. (CBSH) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 35.5% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Commerce Bancshares, Inc.'s Shariah verdict?

Commerce Bancshares, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Commerce Bancshares, Inc. re-screened for Shariah compliance?

Commerce Bancshares, Inc. (CBSH) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Aug 28, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.