CADENCE BANK (CADE) Stock Fundamental Analysis
USA - NYSE:CADE - US12740C1036 - Common Stock
38.74 USD
+0.31 (+0.81%)
38.74 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CADE. CADE was compared to 388 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 growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year CADE was profitable.
In the past 5 years CADE has always been profitable.
Each year in the past 5 years CADE had a positive operating cash flow.
1.2 Ratios
CADE has a better Return On Assets (0.97%) than 60.05% of its industry peers.
Looking at the Return On Equity, with a value of 8.49%, CADE is in line with its industry, outperforming 49.74% of the companies in the same industry.
| 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 better Profit Margin (27.27%) than 70.36% 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) | 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.
The number of shares outstanding for CADE has been increased compared to 1 year ago.
Compared to 5 years ago, CADE has more shares outstanding
The debt/assets ratio for CADE has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.38 indicates that CADE is not too dependend on debt financing.
The Debt to Equity ratio of CADE (0.38) is worse than 73.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.74%
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.
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 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
The Earnings Per Share is expected to grow by 12.05% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.43% on average over the next years. This is quite good.
EPS Next Y13.36%
EPS Next 2Y13.22%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue Next Year10.02%
Revenue Next 2Y10.16%
Revenue Next 3Y8.43%
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.
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 13.13, which indicates a correct valuation of CADE.
CADE's Price/Earnings ratio is a bit more expensive when compared to the industry. CADE is more expensive than 60.31% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, CADE is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.03, the valuation of CADE can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as CADE.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.61, CADE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 11.03 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CADE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CADE's earnings are expected to grow with 12.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)3.78
EPS Next 2Y13.22%
EPS Next 3Y12.05%
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 3.38.
CADE's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
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.
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 2Y13.22%
EPS Next 3Y12.05%
38.74
+0.31 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.04%
Inst Owner Change0.07%
Ins Owners0.7%
Ins Owner Change0%
Market Cap7.22B
Revenue(TTM)1.89B
Net Income(TTM)516.20M
Analysts72.94
Price Target42.93 (10.82%)
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)3.49%
Min EPS beat(2)2.26%
Max EPS beat(2)4.72%
EPS beat(4)4
Avg EPS beat(4)4.03%
Min EPS beat(4)0.6%
Max EPS beat(4)8.55%
EPS beat(8)7
Avg EPS beat(8)3.09%
EPS beat(12)7
Avg EPS beat(12)-5.27%
EPS beat(16)10
Avg EPS beat(16)-2.3%
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)2.21%
PT rev (3m)4.28%
EPS NQ rev (1m)-3.41%
EPS NQ rev (3m)-2.5%
EPS NY rev (1m)0.67%
EPS NY rev (3m)4.54%
Revenue NQ rev (1m)-1.63%
Revenue NQ rev (3m)-1.45%
Revenue NY rev (1m)-0.64%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 11.03 | ||
| P/S | 3.81 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.19 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.95
EY7.61%
EPS(NY)3.51
Fwd EY9.07%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.16
BVpS32.64
TBVpS23.71
PEG (NY)0.98
PEG (5Y)3.78
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
WACC15.74%
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 Y13.36%
EPS Next 2Y13.22%
EPS Next 3Y12.05%
EPS Next 5YN/A
Revenue 1Y (TTM)53.28%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%15.56%
Revenue Next Year10.02%
Revenue Next 2Y10.16%
Revenue Next 3Y8.43%
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 13.13 and the Price/Book (PB) ratio is 1.19.
Can you provide the financial health for CADE stock?
The financial health rating of CADENCE BANK (CADE) is 1 / 10.