Logo image of CADE

CADENCE BANK (CADE) Stock Fundamental Analysis

USA - NYSE:CADE - US12740C1036 - Common Stock

37.58 USD
-0.16 (-0.42%)
Last: 11/3/2025, 8:04:00 PM
37.21 USD
-0.37 (-0.98%)
After Hours: 11/3/2025, 8:04:00 PM
Fundamental Rating

4

Overall CADE gets a fundamental rating of 4 out of 10. We evaluated CADE against 390 industry peers in the Banks industry. There are concerns on the financial health of CADE while its profitability can be described as average. CADE is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year CADE was profitable.
Each year in the past 5 years CADE has been profitable.
Each year in the past 5 years CADE had a positive operating cash flow.
CADE Yearly Net Income VS EBIT VS OCF VS FCFCADE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

CADE's Return On Assets of 0.97% is fine compared to the rest of the industry. CADE outperforms 61.54% of its industry peers.
CADE has a Return On Equity (8.49%) which is comparable to the rest of the industry.
Industry RankSector 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
CADE Yearly ROA, ROE, ROICCADE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of CADE (27.27%) is better than 71.03% of its industry peers.
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 RankSector 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
CADE Yearly Profit, Operating, Gross MarginsCADE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

1

2. Health

2.1 Basic Checks

CADE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CADE has been increased compared to 1 year ago.
The number of shares outstanding for CADE has been increased compared to 5 years ago.
CADE has a better debt/assets ratio than last year.
CADE Yearly Shares OutstandingCADE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
CADE Yearly Total Debt VS Total AssetsCADE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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.
With a Debt to Equity ratio value of 0.38, CADE is not doing good in the industry: 73.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.9%
CADE Yearly LT Debt VS Equity VS FCFCADE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CADE Yearly Current Assets VS Current LiabilitesCADE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

More info and screens

7

3. Growth

3.1 Past

CADE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.90%, which is quite impressive.
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.
The Revenue has grown by 53.28% in the past year. This is a very strong growth!
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

CADE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.04% yearly.
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
CADE Yearly Revenue VS EstimatesCADE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
CADE Yearly EPS VS EstimatesCADE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.74, which indicates a correct valuation of CADE.
Compared to the rest of the industry, the Price/Earnings ratio of CADE is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.51, CADE is valued rather cheaply.
CADE is valuated reasonably with a Price/Forward Earnings ratio of 10.51.
The rest of the industry has a similar Price/Forward Earnings ratio as CADE.
CADE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.53, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.74
Fwd PE 10.51
CADE Price Earnings VS Forward Price EarningsCADE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CADE Per share dataCADE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)1.02
PEG (5Y)3.67
EPS Next 2Y14.24%
EPS Next 3Y13.04%

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.94%, CADE has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.44, CADE has a dividend in line with its industry peers.
CADE's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.94%

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
CADE Yearly Dividends per shareCADE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

CADE pays out 9.35% of its income as dividend. This is a sustainable payout ratio.
The dividend of CADE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP9.35%
EPS Next 2Y14.24%
EPS Next 3Y13.04%
CADE Yearly Income VS Free CF VS DividendCADE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
CADE Dividend Payout.CADE Dividend Payout, showing the Payout Ratio.CADE Dividend Payout.PayoutRetained Earnings

More info and screens

CADENCE BANK

NYSE:CADE (11/3/2025, 8:04:00 PM)

After market: 37.21 -0.37 (-0.98%)

37.58

-0.16 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners88.04%
Inst Owner Change-0.08%
Ins Owners0.7%
Ins Owner Change0%
Market Cap7.00B
Revenue(TTM)1.89B
Net Income(TTM)516.20M
Analysts78.82
Price Target42.93 (14.24%)
Short Float %4.06%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield 2.94%
Yearly Dividend1.05
Dividend Growth(5Y)8.11%
DP9.35%
Div Incr Years2
Div Non Decr Years2
Ex-Date12-15 2025-12-15 (0.275)
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 RankSector Rank
PE 12.74
Fwd PE 10.51
P/S 3.7
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)2.95
EY7.85%
EPS(NY)3.58
Fwd EY9.52%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.16
BVpS32.64
TBVpS23.71
PEG (NY)1.02
PEG (5Y)3.67
Graham Number46.54
Profitability
Industry RankSector 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 RankSector 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
WACC15.9%
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 12.74 and the Price/Book (PB) ratio is 1.15.


Can you provide the financial health for CADE stock?

The financial health rating of CADENCE BANK (CADE) is 1 / 10.