CBSH vs COLB Stock Comparison
Compare CBSH and COLB across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between CBSH and COLB?
CBSH leads the current stock comparison as Commerce Bancshares, Inc., with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Commerce Bancshares, Inc. vs Columbia Banking System, Inc.
CBSH leads
CBSH leads by 1 AIQ points, primarily on Risk Resilience and Quality, having only recently taken the lead back from COLB. Wall Street currently favors COLB on target upside.
Fragile: 3 of 6 evidence groups support CBSH, the lead recently changed hands, and its current signal state is conflicted.
Commerce Bancshares, Inc.
Columbia Banking System, Inc.
The Algovestiq AIQ Score currently favors CBSH over COLB, 54 versus 53 as of Sep 6, 2026. CBSH's advantage is driven primarily by stronger risk resilience and quality, while COLB holds the stronger value profile. CBSH also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors COLB. 3 of 6 covered evidence groups favor CBSH today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. CBSH lead: Reversed — COLB led by 1 AIQ points 30 sessions ago; CBSH now leads by 1.
Compare Commerce Bancshares, Inc. and Columbia Banking System, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare CBSH and COLB against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience15%79 vs 55CBSH +24
- Value30%44 vs 60COLB +16
- Quality30%66 vs 60CBSH +6
- Momentum25%36 vs 35Even
3 of 6 evidence groups favor CBSH. CBSH’s edge is concentrated in risk resilience and quality; COLB keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-09-05, compared against the prior scored session 2026-09-04.
No factor moved materially.
No new signals fired.
No factor moved materially.
No new signals fired.
CBSH's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — CBSH and COLB both carry a full feed there.
The central trade-off
CBSH (Commerce Bancshares, Inc.): the stronger current systematic profile, led by risk resilience and quality.
COLB (Columbia Banking System, Inc.): the counter-case, on value, valuation, analyst expectations — but at materially higher volatility, 22% against 12%.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
CBSHCBSH on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
COLBCOLB on combined revenue and EPS growth.
Value
COLBCOLB on the peer-relative Value factor, by 16 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
CBSHCBSH on Risk Resilience, by 24 points.
Analyst upside
COLBCOLB on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors CBSH, analyst targets favor COLB. That disagreement is the most useful thing on this page.
| Measure | CBSH | COLB | Note |
|---|---|---|---|
| Implied upside to target | +6.7% | +9.8% | COLB has more room |
| Target dispersion | +14.5% | +14.8% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 4 | 5 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor CBSH. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 54 vs 53 |
| Fundamentals | CBSHon balance | revenue growth -14.6% vs 11.2%; EPS growth 14.4% vs 10.6%; TTM ROE 14.4% vs 9.2%; gross margin 80.2% vs 71%; operating margin 35% vs 26.8% — CBSH takes 4 of 5 decided legs, not all of them |
| Valuation | COLB | Value 44 vs 60 |
| Technicals | CBSH | Price vs 50-day -0.7% vs -2.4%; vs 200-day 8.6% vs 3.8% |
| Risk Resilience | CBSH | Risk Resilience 79 vs 55 |
| Analyst expectations | COLB | Target upside 6.7% vs 9.8% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of CBSH and COLB and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 1 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on CBSH.
How the comparison changed
120 daily snapshots · Apr 24 – Sep 5CBSH lead: Reversed — COLB led by 1 AIQ points 30 sessions ago; CBSH now leads by 1.
- Today
- CBSH +1
- 54 vs 53
- 7 sessions ago
- CBSH +2
- 54 vs 52
- 30 sessions ago
- COLB +1
- 63 vs 64
- 90 sessions ago
- CBSH +3
- 64 vs 61
The lead changed hands 4 times in this window, most recently on Aug 19 when CBSH moved ahead of COLB.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (9.31%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
1 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (6.39%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
CBSH leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.01%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +1.15%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1COLB closes the Risk Resilience gap — currently 24 points behind, the largest single contributor to CBSH's edge.
- 2COLB's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it.
- 3CBSH's conflicting signal state resolves bearish — it currently carries 1 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
CBSH leads on balance| Metric | CBSH | COLB |
|---|---|---|
| Revenue growth (YoY) | -14.6% | 11.2% |
| EPS growth (YoY) | 14.4% | 10.6% |
| Gross margin | 80.2% | 71% |
| Operating margin | 35% | 26.8% |
| Return on equity (TTM) | 14.4% | 9.2% |
| Debt to equity | 0.56 | 0.65 |
Performance
CBSH leads 4 of 6 windows| Metric | CBSH | COLB |
|---|---|---|
| 1 week (5 sessions) | 0.6% | 2.4% |
| 1 month (20 sessions) | -1.2% | -1.4% |
| 3 months (63 sessions) | 10% | 3.8% |
| 6 months (126 sessions) | 14.2% | 12.8% |
| Year to date | 11.5% | 10.2% |
| 1 year (252 sessions) | -0.1% | 15.7% |
Technicals
CBSH has the stronger structure| Metric | CBSH | COLB |
|---|---|---|
| RSI (14) | 36.1 | 34.2 |
| ADX (14) | 23.1 | 24.2 |
| Price vs 50-day | -0.7% | -2.4% |
| Price vs 200-day | 8.6% | 3.8% |
| Volatility (1M, annualized) | 12% | 22% |
Risk
CBSH is the more resilient| Metric | CBSH | COLB |
|---|---|---|
| Beta | 0.35 | 0.99 |
| Sharpe ratio | -0.12 | 0.5 |
| Sortino ratio | -0.15 | 0.73 |
| Max drawdown | -19.1% | -19.4% |
| Current drawdown | -3.3% | -8.4% |
| Annualized volatility | 20.5% | 28.3% |
| Value at risk (95%) | -1.9% | -2.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, CBSH or COLB?
On the Algovestiq AIQ Score, CBSH is the stronger of the two as of Sep 6, 2026, scoring 54 against COLB's 53. The edge comes from risk resilience and quality. COLB is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is CBSH or COLB the better buy right now?
CBSH carries the stronger systematic profile as of Sep 6, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 1 points. Treat the lead as provisional.
Why does the AIQ Score favor CBSH over COLB?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. CBSH leads Risk Resilience by 24 points; COLB leads Value by 16 points; CBSH leads Quality by 6 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, CBSH or COLB?
Analyst price targets imply +6.7% upside for CBSH and +9.8% for COLB, so the Street currently favors COLB. That points the opposite way to the AIQ Score, which favors CBSH. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, CBSH or COLB?
COLB is the better-valued of the two on the peer-relative Value factor. COLB on the peer-relative Value factor, by 16 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, CBSH or COLB?
COLB on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, CBSH or COLB?
The two are level on Momentum. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, CBSH or COLB?
CBSH is the more resilient of the two, so the other name carries the higher downside risk. CBSH on Risk Resilience, by 24 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is CBSH more profitable than COLB?
CBSH leads on the comparable margin measures — gross margin 80.2% vs 71%; operating margin 35% vs 26.8%; ttm roe 14.4% vs 9.2%.
Is CBSH's lead over COLB getting stronger or weaker?
CBSH lead: Reversed — COLB led by 1 AIQ points 30 sessions ago; CBSH now leads by 1. This is measured from 120 daily comparison snapshots between 2026-04-24 and 2026-09-05. The lead has changed hands 4 times in that window, most recently on 2026-08-19, when CBSH moved ahead of COLB.
What would change the CBSH vs COLB verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: COLB closes the Risk Resilience gap — currently 24 points behind, the largest single contributor to CBSH's edge; COLB's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it; CBSH's conflicting signal state resolves bearish — it currently carries 1 bullish and 1 bearish rules at once; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about CBSH and COLB?
CBSH: 1 bullish / 1 bearish / 1 neutral, conflicted. COLB: 1 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on CBSH is Golden Cross Active (bullish, long horizon). On COLB it is Golden Cross Active (bullish, long horizon).
Compare CBSH and COLB with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.