CADENCE BANK (CADE) Stock Fundamental Analysis
NYSE:CADE - New York Stock Exchange, Inc. - US12740C1036 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to CADE. CADE was compared to 396 industry peers in the Banks industry. CADE has an average financial health and profitability rating. CADE is not valued too expensively and it also shows a decent growth rate. CADE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CADE was profitable.
CADE had a positive operating cash flow 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
CADE has a Return On Assets of 1.09%. This is in the better half of the industry: CADE outperforms 72.73% of its industry peers.
The Return On Equity of CADE (9.23%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 9.23% | ||
| 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 28.68%. This is in the better half of the industry: CADE outperforms 77.78% of its industry peers.
In the last couple of years the Profit Margin of CADE has grown nicely.
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
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.
Compared to 5 years ago, CADE has more shares outstanding
Compared to 1 year ago, CADE has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CADE is 0.04, which is an excellent value as it means it would take CADE, only 0.04 years of fcf income to pay off all of its debts.
CADE has a Debt to FCF ratio of 0.04. This is amongst the best in the industry. CADE outperforms 89.39% of its industry peers.
CADE has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
CADE's Debt to Equity ratio of 0.01 is amongst the best of the industry. CADE outperforms 87.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CADE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.82%, which is quite impressive.
CADE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.47% yearly.
Looking at the last year, CADE shows a very strong growth in Revenue. The Revenue has grown by 44.93%.
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)29.82%
EPS 3Y16.57%
EPS 5Y3.47%
EPS Q2Q%14.52%
Revenue 1Y (TTM)44.93%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%2.48%
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 11.17% on average per year.
CADE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.50% yearly.
EPS Next Y6.62%
EPS Next 2Y11.72%
EPS Next 3Y11.17%
EPS Next 5YN/A
Revenue Next Year6.96%
Revenue Next 2Y8.74%
Revenue Next 3Y6.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.01, which indicates a very decent valuation of CADE.
Compared to the rest of the industry, the Price/Earnings ratio of CADE indicates a somewhat cheap valuation: CADE is cheaper than 63.38% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, CADE is valued rather cheaply.
CADE is valuated reasonably with a Price/Forward Earnings ratio of 9.11.
60.35% of the companies in the same industry are more expensive than CADE, based on the Price/Forward Earnings ratio.
CADE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.01 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CADE is valued cheaper than 82.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CADE's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.66
PEG (5Y)3.17
EPS Next 2Y11.72%
EPS Next 3Y11.17%
5. Dividend
5.1 Amount
CADE has a Yearly Dividend Yield of 3.65%.
CADE's Dividend Yield is a higher than the industry average which is at 3.51.
CADE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.65% |
5.2 History
On average, the dividend of CADE grows each year by 8.11%, which is quite nice.
CADE has paid a dividend for at least 10 years, which is 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
37.37% of the earnings are spent on dividend by CADE. This is a low number and sustainable payout ratio.
The dividend of CADE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.37%
EPS Next 2Y11.72%
EPS Next 3Y11.17%
31.16
+0.07 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.21%
Inst Owner Change1.06%
Ins Owners5.57%
Ins Owner Change0%
Market Cap5.81B
Analysts77.65
Price Target35.98 (15.47%)
Short Float %3.95%
Short Ratio4.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.65% |
Yearly Dividend1.05
Dividend Growth(5Y)8.11%
DP37.37%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.56%
Min EPS beat(2)0.6%
Max EPS beat(2)12.52%
EPS beat(4)4
Avg EPS beat(4)8.7%
Min EPS beat(4)0.6%
Max EPS beat(4)12.52%
EPS beat(8)4
Avg EPS beat(8)-5.93%
EPS beat(12)6
Avg EPS beat(12)-7.06%
EPS beat(16)8
Avg EPS beat(16)-3.51%
Revenue beat(2)0
Avg Revenue beat(2)-3.08%
Min Revenue beat(2)-3.46%
Max Revenue beat(2)-2.69%
Revenue beat(4)2
Avg Revenue beat(4)-1.12%
Min Revenue beat(4)-3.46%
Max Revenue beat(4)1.21%
Revenue beat(8)2
Avg Revenue beat(8)-14.76%
Revenue beat(12)4
Avg Revenue beat(12)-10.05%
Revenue beat(16)5
Avg Revenue beat(16)-7.55%
PT rev (1m)0.78%
PT rev (3m)-13.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.66%
EPS NY rev (1m)1.87%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.01 | ||
| Fwd PE | 9.11 | ||
| P/S | 3.24 | ||
| P/FCF | 7.48 | ||
| P/OCF | 6.78 | ||
| P/B | 1.04 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.83
EY9.08%
EPS(NY)3.42
Fwd EY10.97%
FCF(TTM)4.17
FCFY13.37%
OCF(TTM)4.6
OCFY14.75%
SpS9.62
BVpS29.88
TBVpS22.1
PEG (NY)1.66
PEG (5Y)3.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 9.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.68% | ||
| GM | N/A | ||
| FCFM | 43.32% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 39.53% | ||
| Cap/Sales | 4.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 151.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC17.18%
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)29.82%
EPS 3Y16.57%
EPS 5Y3.47%
EPS Q2Q%14.52%
EPS Next Y6.62%
EPS Next 2Y11.72%
EPS Next 3Y11.17%
EPS Next 5YN/A
Revenue 1Y (TTM)44.93%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%2.48%
Revenue Next Year6.96%
Revenue Next 2Y8.74%
Revenue Next 3Y6.5%
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%