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CADENCE BANK (CADE) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:CADE - US12740C1036 - Common Stock

43.69 USD
+0.28 (+0.65%)
Last: 12/19/2025, 8:04:00 PM
43.69 USD
0 (0%)
After Hours: 12/19/2025, 8:04:00 PM
Fundamental Rating

3

Overall CADE gets a fundamental rating of 3 out of 10. We evaluated CADE against 388 industry peers in the Banks industry. CADE may be in some trouble as it scores bad on both profitability and health. CADE is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CADE had positive earnings in the past year.
Each year in the past 5 years CADE has been profitable.
CADE had a positive operating cash flow in each of the past 5 years.
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 has a Return On Assets of 0.97%. This is comparable to the rest of the industry: CADE outperforms 57.47% of its industry peers.
With a Return On Equity value of 8.49%, CADE perfoms like the industry average, outperforming 46.65% of the companies in the same 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

With a decent Profit Margin value of 27.27%, CADE is doing good in the industry, outperforming 67.01% of the companies in the same industry.
CADE's Profit Margin has improved in the last couple of years.
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) 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

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1

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.
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

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 71.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.15%
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

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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 12.05% yearly.
Based on estimates for the next years, CADE will show a quite strong growth in Revenue. The Revenue will grow by 8.43% on average per year.
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

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.
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

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.81, CADE is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CADE indicates a slightly more expensive valuation: CADE is more expensive than 64.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CADE to the average of the S&P500 Index (26.39), we can say CADE is valued slightly cheaper.
The Price/Forward Earnings ratio is 12.44, which indicates a correct valuation of CADE.
Based on the Price/Forward Earnings ratio, CADE is valued a bit more expensive than the industry average as 65.21% of the companies are valued more cheaply.
CADE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.81
Fwd PE 12.44
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.
CADE's earnings are expected to grow with 12.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.11
PEG (5Y)4.26
EPS Next 2Y13.22%
EPS Next 3Y12.05%

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6

5. Dividend

5.1 Amount

CADE has a Yearly Dividend Yield of 2.53%. Purely for dividend investing, there may be better candidates out there.
CADE's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, CADE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.53%

5.2 History

The dividend of CADE is nicely growing with an annual growth rate of 8.11%!
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.
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%
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

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CADENCE BANK

NYSE:CADE (12/19/2025, 8:04:00 PM)

After market: 43.69 0 (0%)

43.69

+0.28 (+0.65%)

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 Owners89.92%
Inst Owner Change1.76%
Ins Owners0.64%
Ins Owner Change0%
Market Cap8.14B
Revenue(TTM)1.89B
Net Income(TTM)516.20M
Analysts72.94
Price Target43.55 (-0.32%)
Short Float %3.52%
Short Ratio1.64
Dividend
Industry RankSector Rank
Dividend Yield 2.53%
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)3.49%
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)1.45%
PT rev (3m)5.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.41%
EPS NY rev (1m)0%
EPS NY rev (3m)1.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 14.81
Fwd PE 12.44
P/S 4.3
P/FCF N/A
P/OCF N/A
P/B 1.34
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)2.95
EY6.75%
EPS(NY)3.51
Fwd EY8.04%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.16
BVpS32.65
TBVpS23.71
PEG (NY)1.11
PEG (5Y)4.26
Graham Number46.55
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
WACC15.15%
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 3 / 10 to CADE.


What is the valuation status for CADE stock?

ChartMill assigns a valuation rating of 2 / 10 to CADENCE BANK (CADE). This can be considered as Overvalued.


Can you provide the profitability details for CADENCE BANK?

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


What are the PE and PB ratios of CADENCE BANK (CADE) stock?

The Price/Earnings (PE) ratio for CADENCE BANK (CADE) is 14.81 and the Price/Book (PB) ratio is 1.34.


Can you provide the financial health for CADE stock?

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