CADE Fundamental Analysis - CADENCE BANK

Fundamental Rating

Overall CADE gets a fundamental rating of 4 out of 10. We evaluated CADE against 392 industry peers in the Banks industry. While CADE is still in line with the averages on profitability rating, there are concerns on its financial health. CADE is not valued too expensively and it also shows a decent growth rate. Finally CADE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year CADE was profitable.

In the past 5 years CADE has always been profitable.

In the past 5 years CADE always reported a positive cash flow from operatings.

1.2 Ratios

CADE's Return On Assets of 1.04% is fine compared to the rest of the industry. CADE outperforms 67.86% of its industry peers.

The Return On Equity of CADE (8.84%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	1.04%
ROE	8.84%
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

Looking at the Profit Margin, with a value of 28.68%, CADE is in the better half of the industry, outperforming 77.04% of the companies in the same industry.

CADE's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for CADE so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.68%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

CADE has a better debt/assets ratio than last year.

2.2 Solvency

CADE has a Debt/Equity ratio of 0.51. This is a neutral value indicating CADE is somewhat dependend on debt financing.

CADE has a Debt to Equity ratio of 0.51. This is in the lower half of the industry: CADE underperforms 77.04% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC15.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CADE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.43%, which is quite impressive.

The Earnings Per Share has been growing slightly by 3.47% on average over the past years.

Looking at the last year, CADE shows a very strong growth in Revenue. The Revenue has grown by 47.54%.

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)26.43%

EPS 3Y16.57%

EPS 5Y3.47%

EPS Q2Q%5.8%

Revenue 1Y (TTM)47.54%

Revenue growth 3Y14.83%

Revenue growth 5Y14.01%

Sales Q2Q%4.23%

3.2 Future

The Earnings Per Share is expected to grow by 13.07% on average over the next years. This is quite good.

Based on estimates for the next years, CADE will show a small growth in Revenue. The Revenue will grow by 7.92% on average per year.

EPS Next Y11.8%

EPS Next 2Y13.96%

EPS Next 3Y13.07%

EPS Next 5YN/A

Revenue Next Year10.73%

Revenue Next 2Y10.88%

Revenue Next 3Y7.92%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.14, 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 27.30, CADE is valued rather cheaply.

CADE is valuated reasonably with a Price/Forward Earnings ratio of 10.59.

CADE's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, CADE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.14
Fwd PE	10.59

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.

CADE's earnings are expected to grow with 13.07% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.11

PEG (5Y)3.78

EPS Next 2Y13.96%

EPS Next 3Y13.07%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.19%, CADE is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.65, CADE pays a better dividend. On top of this CADE pays more dividend than 84.18% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.41, CADE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.19%

5.2 History

On average, the dividend of CADE grows each year by 8.11%, which is quite nice.

CADE has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of CADE decreased in the last 3 years.

Dividend Growth(5Y)8.11%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

CADE pays out 18.40% of its income as dividend. This is a sustainable payout ratio.

CADE's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP18.4%

EPS Next 2Y13.96%

EPS Next 3Y13.07%

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CADENCE BANK

NYSE:CADE (9/12/2025, 8:04:00 PM)

After market: 37.7 0 (0%)

37.7

+0.36 (+0.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners85.51%

Inst Owner Change3.13%

Ins Owners0.7%

Ins Owner Change0%

Market Cap7.03B

Analysts78.82

Price Target41.17 (9.2%)

Short Float %2.87%

Short Ratio2.81

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.19%

Yearly Dividend1.05

Dividend Growth(5Y)8.11%

DP18.4%

Div Incr Years2

Div Non Decr Years2

Ex-Date09-15 2025-09-15 (0.275)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.63%

Min EPS beat(2)4.72%

Max EPS beat(2)8.55%

EPS beat(4)4

Avg EPS beat(4)6.59%

Min EPS beat(4)0.6%

Max EPS beat(4)12.52%

EPS beat(8)6

Avg EPS beat(8)2.33%

EPS beat(12)6

Avg EPS beat(12)-6.51%

EPS beat(16)9

Avg EPS beat(16)-2.57%

Revenue beat(2)0

Avg Revenue beat(2)-1.32%

Min Revenue beat(2)-2.51%

Max Revenue beat(2)-0.14%

Revenue beat(4)0

Avg Revenue beat(4)-2.2%

Min Revenue beat(4)-3.46%

Max Revenue beat(4)-0.14%

Revenue beat(8)2

Avg Revenue beat(8)-13.31%

Revenue beat(12)3

Avg Revenue beat(12)-10.33%

Revenue beat(16)4

Avg Revenue beat(16)-7.89%

PT rev (1m)0%

PT rev (3m)14.43%

EPS NQ rev (1m)0.7%

EPS NQ rev (3m)7.73%

EPS NY rev (1m)3.1%

EPS NY rev (3m)4.87%

Revenue NQ rev (1m)0.38%

Revenue NQ rev (3m)7.31%

Revenue NY rev (1m)0.6%

Revenue NY rev (3m)3.53%

Valuation

		Industry Rank	Sector Rank
PE	13.14
Fwd PE	10.59
P/S	3.85
P/FCF	N/A
P/OCF	N/A
P/B	1.19
P/tB	1.58
EV/EBITDA	N/A

EPS(TTM)2.87

EY7.61%

EPS(NY)3.56

Fwd EY9.44%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS9.78

BVpS31.74

TBVpS23.82

PEG (NY)1.11

PEG (5Y)3.78

Profitability

		Industry Rank	Sector Rank
ROA	1.04%
ROE	8.84%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.68%
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

ROICexcg growth 3YN/A

ROICexcg 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	0.51
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

WACC15.84%

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)26.43%

EPS 3Y16.57%

EPS 5Y3.47%

EPS Q2Q%5.8%

EPS Next Y11.8%

EPS Next 2Y13.96%

EPS Next 3Y13.07%

EPS Next 5YN/A

Revenue 1Y (TTM)47.54%

Revenue growth 3Y14.83%

Revenue growth 5Y14.01%

Sales Q2Q%4.23%

Revenue Next Year10.73%

Revenue Next 2Y10.88%

Revenue Next 3Y7.92%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens