Your referenced JD Powers report is not the the report referenced in this comment line. Yahoo deleted the original web link reference after my posting. The other website link contained an analysis reportedly producing a valuation of $22 value of the bank's stock. The item was deleted because the report related to the stock value of CBH, Commerce Bank, HQ in New Jersey Bank, which was acquired by a Canadian Bank. The deleted web reference page had included CBSH's ticker symbol in error which meant that that posting was in error.