CADENCE BANK (CADE) Fundamental Analysis & Valuation

NYSE:CADE • US12740C1036

Current stock price

42.11 USD
-0.71 (-1.66%)
At close:
42.11 USD
0 (0%)
After Hours:

This CADE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CADE Profitability Analysis

1.1 Basic Checks

  • In the past year CADE was profitable.
  • In the past 5 years CADE has always been profitable.
  • Of the past 5 years CADE 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.11%, CADE is in the better half of the industry, outperforming 70.83% of the companies in the same industry.
  • The Return On Equity of CADE (9.27%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.11%
ROE 9.27%
ROIC N/A
ROA(3y)1.1%
ROA(5y)0.92%
ROE(3y)9.6%
ROE(5y)8.58%
ROIC(3y)N/A
ROIC(5y)N/A
CADE Yearly ROA, ROE, ROICCADE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 26.91%, CADE is doing good in the industry, outperforming 64.84% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CADE has grown nicely.
  • CADE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.91%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.04%
PM growth 5Y4.81%
GM growth 3YN/A
GM growth 5YN/A
CADE Yearly Profit, Operating, Gross MarginsCADE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. CADE Health Analysis

2.1 Basic Checks

  • CADE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CADE has more shares outstanding
  • Compared to 5 years ago, CADE has more shares outstanding
  • The debt/assets ratio for CADE is higher compared to a year ago.
CADE Yearly Shares OutstandingCADE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CADE Yearly Total Debt VS Total AssetsCADE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • CADE has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • CADE has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.39%
CADE Yearly LT Debt VS Equity VS FCFCADE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CADE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.14% 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 7.49% on average per year.
  • Looking at the last year, CADE shows a quite strong growth in Revenue. The Revenue has grown by 9.92% in the last year.
  • The Revenue has been growing by 13.91% on average over the past years. This is quite good.
EPS 1Y (TTM)13.14%
EPS 3Y8.01%
EPS 5Y7.49%
EPS Q2Q%21.43%
Revenue 1Y (TTM)9.92%
Revenue growth 3Y2.23%
Revenue growth 5Y13.91%
Sales Q2Q%17.24%

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 11.51% on average per year.
  • CADE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.59% yearly.
EPS Next Y13.3%
EPS Next 2Y11.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.19%
Revenue Next 2Y7.59%
Revenue Next 3YN/A
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.
CADE Yearly Revenue VS EstimatesCADE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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3

4. CADE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.58, the valuation of CADE can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as CADE.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, CADE is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 11.99, which indicates a very decent valuation of CADE.
  • CADE's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. CADE is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.58
Fwd PE 11.99
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

  • CADE's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)1.81
EPS Next 2Y11.51%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CADE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.61%, CADE has a reasonable but not impressive dividend return.
  • CADE's Dividend Yield is comparable with the industry average which is at 2.90.
  • CADE's Dividend Yield is a higher than the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.61%

5.2 History

  • The dividend of CADE is nicely growing with an annual growth rate of 8.11%!
  • CADE has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • CADE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP0%
EPS Next 2Y11.51%
EPS Next 3YN/A
CADE Yearly Income VS Free CF VS DividendCADE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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CADE Fundamentals: All Metrics, Ratios and Statistics

CADENCE BANK

NYSE:CADE (1/30/2026, 8:04:00 PM)

After market: 42.11 0 (0%)

42.11

-0.71 (-1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners90.03%
Inst Owner Change-3.69%
Ins Owners0.64%
Ins Owner Change0%
Market Cap7.85B
Revenue(TTM)1.97B
Net Income(TTM)530.23M
Analysts72.94
Price Target44.88 (6.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.61%
Yearly Dividend1.05
Dividend Growth(5Y)8.11%
DP0%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.35%
Min EPS beat(2)2.26%
Max EPS beat(2)4.44%
EPS beat(4)4
Avg EPS beat(4)4.99%
Min EPS beat(4)2.26%
Max EPS beat(4)8.55%
EPS beat(8)8
Avg EPS beat(8)6.84%
EPS beat(12)8
Avg EPS beat(12)-2.29%
EPS beat(16)10
Avg EPS beat(16)-4.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.36%
Min Revenue beat(2)-3.15%
Max Revenue beat(2)-1.57%
Revenue beat(4)0
Avg Revenue beat(4)-1.84%
Min Revenue beat(4)-3.15%
Max Revenue beat(4)-0.14%
Revenue beat(8)2
Avg Revenue beat(8)-1.48%
Revenue beat(12)2
Avg Revenue beat(12)-10.45%
Revenue beat(16)4
Avg Revenue beat(16)-8%
PT rev (1m)3.04%
PT rev (3m)4.54%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)0.76%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 13.58
Fwd PE 11.99
P/S 3.98
P/FCF N/A
P/OCF N/A
P/B 1.37
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)3.1
EY7.36%
EPS(NY)3.51
Fwd EY8.34%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.58
BVpS30.69
TBVpS22.93
PEG (NY)1.02
PEG (5Y)1.81
Graham Number46.27
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 9.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.91%
GM N/A
FCFM N/A
ROA(3y)1.1%
ROA(5y)0.92%
ROE(3y)9.6%
ROE(5y)8.58%
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 3Y3.04%
PM growth 5Y4.81%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
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
WACC15.39%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.14%
EPS 3Y8.01%
EPS 5Y7.49%
EPS Q2Q%21.43%
EPS Next Y13.3%
EPS Next 2Y11.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.92%
Revenue growth 3Y2.23%
Revenue growth 5Y13.91%
Sales Q2Q%17.24%
Revenue Next Year10.19%
Revenue Next 2Y7.59%
Revenue Next 3YN/A
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

CADENCE BANK / CADE Fundamental Analysis FAQ

What is the fundamental rating for CADE stock?

ChartMill assigns a fundamental rating of 3 / 10 to CADE.


Can you provide the valuation status for CADENCE BANK?

ChartMill assigns a valuation rating of 4 / 10 to CADENCE BANK (CADE). This can be considered as Fairly Valued.


How profitable is CADENCE BANK (CADE) stock?

CADENCE BANK (CADE) has a profitability rating of 3 / 10.


How financially healthy is CADENCE BANK?

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


What is the expected EPS growth for CADENCE BANK (CADE) stock?

The Earnings per Share (EPS) of CADENCE BANK (CADE) is expected to grow by 13.3% in the next year.