FirstCash vs Commerce Bancshares

This page compares FirstCash Holdings Inc and Commerce Bancshares, Inc, outlining their business models, financial performance, and market context in a neutral, accessible manner. It presents how each company operates within its sector, highlighting core considerations for comparison. Educational content, not financial advice.

This page compares FirstCash Holdings Inc and Commerce Bancshares, Inc, outlining their business models, financial performance, and market context in a neutral, accessible manner. It presents how each...

About The Companies

FirstCash (FCFS)

FirstCash Holdings (ticker: FCFS) operates a large network of pawnshops and consumer financial services across the US and Latin America. The company generates revenue from merchandise sales, pawn loans and other short-term lending products, benefiting from steady, often recession-resilient cash flows and a mix of retail and credit revenue. Investors should note a market capitalisation of about $6.8bn and that profitability depends on consumer demand, interest-rate environments and used-goods resale margins. Growth comes from network expansion, same-store sales, and digital initiatives, but competition, regulation and credit risk can affect outcomes. FirstCash can suit investors seeking exposure to non-bank consumer finance and retail resale, though it carries operational and cyclical risks. This summary is educational only and not personalised financial advice; values can rise or fall and future returns are not guaranteed.

Commerce Bancshares (CBSH)

Commerce Bancshares, Inc. (CBSH) is a St. Louis‑based regional bank that provides commercial and consumer banking, wealth management, payment processing and trust services. With a market capitalisation around $7.16 billion, it operates a community‑oriented model focused on core deposit gathering and relationship lending across the Midwest. Investors often watch its net interest margin, loan growth, deposit trends and asset‑quality metrics as indicators of performance. Historically the company has returned capital through dividends and share repurchases, but past practice is not a guarantee of future payouts. Key considerations include sensitivity to interest‑rate moves, regional economic cycles, regulatory oversight and credit risk in the loan book. This summary is for general educational purposes and is not personal financial advice; investors should assess their objectives, risk tolerance and time horizon, and consider seeking regulated advice before making investment decisions. Values can fall as well as rise.

Comparison Snapshot

Key Financial Metrics

FCFS

Metric

CBSH

$7.23B

Market Cap

$7.47B

8.94%

Potential Profit

13.83%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Financially Fit

These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.

Published: June 18, 2025

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Corporate Dragons: The Fortresses

Meet the financial titans built on massive cash reserves and minimal debt. These carefully selected companies offer exceptional stability during economic turbulence, giving your portfolio a strong defensive anchor when markets get rough.

Published: June 17, 2025

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Which Baskets Do They Appear In?

Financially Fit

These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.

Published: June 18, 2025

Explore Basket

Corporate Dragons: The Fortresses

Meet the financial titans built on massive cash reserves and minimal debt. These carefully selected companies offer exceptional stability during economic turbulence, giving your portfolio a strong defensive anchor when markets get rough.

Published: June 17, 2025

Explore Basket

Investment Analysis

FirstCash

FCFS

Pros

FirstCash operates a large, established network of nearly 3,000 retail pawn stores across the US, Mexico, and Latin America, diversifying geographic risk.
The company reported record first-quarter operating results and strong revenue and earnings growth driven by pawn receivables.
It maintains a solid financial position with operating cash flows funding store additions, share repurchases, and sustaining quarterly dividends.

Considerations

FirstCash’s valuation metrics such as P/E ratio are higher than the financial sector average, indicating relatively elevated price levels.
Its business is somewhat exposed to economic cycles affecting cash and credit-constrained consumers, potentially impacting loan demand.
The reliance on collateral forfeiture and retail resale exposes the company to inventory valuation and liquidity risks.

Commerce Bancshares

CBSH

Pros

Commerce Bancshares is a well-established regional bank with strong community banking roots and a diverse customer base.
The company has demonstrated consistent profitability with solid asset quality and strong capital ratios.
It benefits from organic growth opportunities in its geographic footprint and from steady net interest income generation.

Considerations

Commerce Bancshares faces competitive pressures from both larger national banks and fintech disruptors.
Its earnings are sensitive to changes in interest rates and economic conditions in its operating regions.
Expansion or acquisition activities may present integration risks and affect future financial performance.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Financially Fit

Corporate Dragons: The Fortresses

Which Baskets Do They Appear In?

Financially Fit

Corporate Dragons: The Fortresses

Investment Analysis

FirstCash

Pros

Considerations

Commerce Bancshares

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

About The Companies

Comparison Snapshot

FirstCash vs Commerce Bancshares

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Financially Fit

Corporate Dragons: The Fortresses

Which Baskets Do They Appear In?

Financially Fit

Corporate Dragons: The Fortresses

Investment Analysis

FirstCash

Pros

Considerations

Commerce Bancshares

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

FirstCash vs PJT Partners

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Frequently asked questions

What is the main business model difference between FirstCash and Commerce Bancshares?

How can geographic diversification affect a stock’s risk profile?

What do the pros suggest about growth potential for FirstCash?

What factors influence Commerce Bancshares’ earnings outlook?

How do the risks differ between the two stocks?

What market dynamics affect the pawn industry versus regional banks?

How might economic cycles impact each company’s performance?

What should a beginner look for when comparing these two stocks?

How can one use this page to understand risk without financial advice?

How should valuation context be considered when reading the comparison?

Why is it important to reference both company profiles when evaluating market context?

What is the educational goal of this stock comparison page?

About The Companies

Comparison Snapshot