CADENCE BANK (CADE) Stock Fundamental Analysis
USA - NYSE:CADE - US12740C1036 - Common Stock
38.43 USD
+0.86 (+2.29%)
38.43 USD
0 (0%)
Overall CADE gets a fundamental rating of 4 out of 10. We evaluated CADE against 390 industry peers in the Banks industry. CADE has a medium profitability rating, but doesn't score so well on its financial health evaluation. CADE is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
CADE had positive earnings in the past year.
CADE had positive earnings in each of the past 5 years.
Each year in the past 5 years CADE had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.97%, CADE is in the better half of the industry, outperforming 61.54% of the companies in the same industry.
CADE's Return On Equity of 8.49% is in line compared to the rest of the industry. CADE outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 8.49% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)0.88%
ROE(3y)10.02%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CADE has a Profit Margin of 27.27%. This is in the better half of the industry: CADE outperforms 71.03% of its industry peers.
CADE's Profit Margin has improved in the last couple of years.
CADE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.27% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y22.28%
PM growth 5Y2.64%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CADE does not have a ROIC to compare to the WACC, probably because it is not profitable.
CADE has more shares outstanding than it did 1 year ago.
CADE has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CADE has an improved debt to assets ratio.
2.2 Solvency
CADE has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
CADE has a worse Debt to Equity ratio (0.38) than 73.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.90% over the past year.
Measured over the past 5 years, CADE shows a small growth in Earnings Per Share. The EPS has been growing by 3.47% on average per year.
CADE shows a strong growth in Revenue. In the last year, the Revenue has grown by 53.28%.
CADE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.01% yearly.
EPS 1Y (TTM)20.9%
EPS 3Y16.57%
EPS 5Y3.47%
EPS Q2Q%10.96%
Revenue 1Y (TTM)53.28%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%15.56%
3.2 Future
Based on estimates for the next years, CADE will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.04% on average per year.
CADE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.18% yearly.
EPS Next Y12.46%
EPS Next 2Y14.24%
EPS Next 3Y13.04%
EPS Next 5YN/A
Revenue Next Year10.68%
Revenue Next 2Y10.86%
Revenue Next 3Y8.18%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.03, CADE is valued correctly.
CADE's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.83, CADE is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 10.75, the valuation of CADE can be described as reasonable.
CADE's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, CADE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.75 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as CADE's earnings are expected to grow with 13.04% in the coming years.
PEG (NY)1.05
PEG (5Y)3.75
EPS Next 2Y14.24%
EPS Next 3Y13.04%
5. Dividend
5.1 Amount
CADE has a Yearly Dividend Yield of 2.93%.
CADE's Dividend Yield is comparable with the industry average which is at 3.42.
CADE's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
5.2 History
The dividend of CADE is nicely growing with an annual growth rate of 8.11%!
CADE has been paying a dividend for at least 10 years, so it has a reliable track record.
CADE has decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.11%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
9.35% of the earnings are spent on dividend by CADE. This is a low number and sustainable payout ratio.
CADE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.35%
EPS Next 2Y14.24%
EPS Next 3Y13.04%
38.43
+0.86 (+2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.04%
Inst Owner Change-0.08%
Ins Owners0.7%
Ins Owner Change0%
Market Cap7.16B
Revenue(TTM)1.89B
Net Income(TTM)516.20M
Analysts72.94
Price Target42.93 (11.71%)
Short Float %4.06%
Short Ratio3.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
Yearly Dividend1.05
Dividend Growth(5Y)8.11%
DP9.35%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.64%
Min EPS beat(2)2.57%
Max EPS beat(2)4.72%
EPS beat(4)4
Avg EPS beat(4)4.11%
Min EPS beat(4)0.6%
Max EPS beat(4)8.55%
EPS beat(8)7
Avg EPS beat(8)3.13%
EPS beat(12)7
Avg EPS beat(12)-5.25%
EPS beat(16)10
Avg EPS beat(16)-2.28%
Revenue beat(2)0
Avg Revenue beat(2)-1.64%
Min Revenue beat(2)-3.15%
Max Revenue beat(2)-0.14%
Revenue beat(4)0
Avg Revenue beat(4)-2.31%
Min Revenue beat(4)-3.46%
Max Revenue beat(4)-0.14%
Revenue beat(8)2
Avg Revenue beat(8)-13.14%
Revenue beat(12)2
Avg Revenue beat(12)-10.66%
Revenue beat(16)4
Avg Revenue beat(16)-8.01%
PT rev (1m)4.28%
PT rev (3m)15.17%
EPS NQ rev (1m)-3.18%
EPS NQ rev (3m)-2.92%
EPS NY rev (1m)-0.13%
EPS NY rev (3m)3.71%
Revenue NQ rev (1m)-1.63%
Revenue NQ rev (3m)-1.45%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.75 | ||
| P/S | 3.78 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.18 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.95
EY7.68%
EPS(NY)3.58
Fwd EY9.3%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.16
BVpS32.64
TBVpS23.71
PEG (NY)1.05
PEG (5Y)3.75
Graham Number46.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 8.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.27% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.04%
ROA(5y)0.88%
ROE(3y)10.02%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y22.28%
PM growth 5Y2.64%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC15.78%
ROIC/WACCN/A
Cap/Depr(3y)39.22%
Cap/Depr(5y)49.33%
Cap/Sales(3y)5.85%
Cap/Sales(5y)6.02%
Profit Quality(3y)140.33%
Profit Quality(5y)218.32%
High Growth Momentum
Growth
EPS 1Y (TTM)20.9%
EPS 3Y16.57%
EPS 5Y3.47%
EPS Q2Q%10.96%
EPS Next Y12.46%
EPS Next 2Y14.24%
EPS Next 3Y13.04%
EPS Next 5YN/A
Revenue 1Y (TTM)53.28%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%15.56%
Revenue Next Year10.68%
Revenue Next 2Y10.86%
Revenue Next 3Y8.18%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y66.93%
FCF growth 3Y-10.97%
FCF growth 5Y33.29%
OCF growth 1Y52.02%
OCF growth 3Y-9.94%
OCF growth 5Y29.02%
CADENCE BANK / CADE FAQ
What is the fundamental rating for CADE stock?
ChartMill assigns a fundamental rating of 4 / 10 to CADE.
What is the valuation status for CADE stock?
ChartMill assigns a valuation rating of 4 / 10 to CADENCE BANK (CADE). This can be considered as Fairly Valued.
Can you provide the profitability details for CADENCE BANK?
CADENCE BANK (CADE) has a profitability rating of 4 / 10.
What are the PE and PB ratios of CADENCE BANK (CADE) stock?
The Price/Earnings (PE) ratio for CADENCE BANK (CADE) is 13.03 and the Price/Book (PB) ratio is 1.18.
Can you provide the financial health for CADE stock?
The financial health rating of CADENCE BANK (CADE) is 1 / 10.