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CADENCE BANK (CADE) Stock Fundamental Analysis

USA - NYSE:CADE - US12740C1036 - Common Stock

37.78 USD
+0.37 (+0.99%)
Last: 10/3/2025, 8:27:12 PM
37.78 USD
0 (0%)
After Hours: 10/3/2025, 8:27:12 PM
Fundamental Rating

4

CADE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. There are concerns on the financial health of CADE while its profitability can be described as average. CADE has a decent growth rate and is not valued too expensively. CADE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

CADE had positive earnings in the past year.
In the past 5 years CADE has always 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 has a Return On Assets of 1.04%. This is in the better half of the industry: CADE outperforms 67.86% of its industry peers.
CADE has a Return On Equity of 8.84%. This is comparable to the rest of the industry: CADE outperforms 54.34% of its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 8.84%
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 (28.68%) is better than 77.04% of its industry peers.
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) 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
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.
Compared to 1 year ago, CADE has more shares outstanding
The number of shares outstanding for CADE has been increased compared to 5 years ago.
The debt/assets ratio for CADE has been reduced compared to a year ago.
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 0.51 indicates that CADE is somewhat dependend on debt financing.
CADE has a worse Debt to Equity ratio (0.51) than 77.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.89%
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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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.43% 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 3.47% on average per year.
The Revenue has grown by 47.54% 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)26.43%
EPS 3Y16.57%
EPS 5Y3.47%
EPS Q2Q%5.8%
Revenue 1Y (TTM)47.54%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%4.23%

3.2 Future

The Earnings Per Share is expected to grow by 13.07% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.92% on average over the next years.
EPS Next Y12.61%
EPS Next 2Y14.09%
EPS Next 3Y13.07%
EPS Next 5YN/A
Revenue Next Year10.73%
Revenue Next 2Y10.88%
Revenue Next 3Y7.92%
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 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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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.16, CADE is valued correctly.
CADE's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of CADE to the average of the S&P500 Index (27.86), we can say CADE is valued rather cheaply.
CADE is valuated reasonably with a Price/Forward Earnings ratio of 10.59.
The rest of the industry has a similar Price/Forward Earnings ratio as CADE.
The average S&P500 Price/Forward Earnings ratio is at 23.32. CADE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.16
Fwd PE 10.59
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.
A more expensive valuation may be justified as CADE's earnings are expected to grow with 13.07% in the coming years.
PEG (NY)1.04
PEG (5Y)3.79
EPS Next 2Y14.09%
EPS Next 3Y13.07%

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8

5. Dividend

5.1 Amount

CADE has a Yearly Dividend Yield of 6.21%, which is a nice return.
CADE's Dividend Yield is rather good when compared to the industry average which is at 3.52. CADE pays more dividend than 90.82% of the companies in the same industry.
CADE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 6.21%

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.
CADE has decreased its dividend 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

18.40% 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.
DP18.4%
EPS Next 2Y14.09%
EPS Next 3Y13.07%
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 (10/3/2025, 8:27:12 PM)

After market: 37.78 0 (0%)

37.78

+0.37 (+0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners88.04%
Inst Owner Change3.14%
Ins Owners0.7%
Ins Owner Change0%
Market Cap7.04B
Analysts78.82
Price Target42.01 (11.2%)
Short Float %2.93%
Short Ratio2.73
Dividend
Industry RankSector Rank
Dividend Yield 6.21%
Yearly Dividend1.05
Dividend Growth(5Y)8.11%
DP18.4%
Div Incr Years2
Div Non Decr Years2
Ex-Date09-15 2025-09-15 (0.275)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.63%
Min EPS beat(2)4.72%
Max EPS beat(2)8.55%
EPS beat(4)4
Avg EPS beat(4)6.59%
Min EPS beat(4)0.6%
Max EPS beat(4)12.52%
EPS beat(8)6
Avg EPS beat(8)2.33%
EPS beat(12)6
Avg EPS beat(12)-6.51%
EPS beat(16)9
Avg EPS beat(16)-2.57%
Revenue beat(2)0
Avg Revenue beat(2)-1.32%
Min Revenue beat(2)-2.51%
Max Revenue beat(2)-0.14%
Revenue beat(4)0
Avg Revenue beat(4)-2.2%
Min Revenue beat(4)-3.46%
Max Revenue beat(4)-0.14%
Revenue beat(8)2
Avg Revenue beat(8)-13.31%
Revenue beat(12)3
Avg Revenue beat(12)-10.33%
Revenue beat(16)4
Avg Revenue beat(16)-7.89%
PT rev (1m)0%
PT rev (3m)14.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.73%
EPS NY rev (1m)0.72%
EPS NY rev (3m)5.18%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)7.31%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)3.37%
Valuation
Industry RankSector Rank
PE 13.16
Fwd PE 10.59
P/S 3.86
P/FCF N/A
P/OCF N/A
P/B 1.19
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)2.87
EY7.6%
EPS(NY)3.57
Fwd EY9.44%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.78
BVpS31.74
TBVpS23.82
PEG (NY)1.04
PEG (5Y)3.79
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 8.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.68%
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
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-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.51
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
WACC15.89%
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)26.43%
EPS 3Y16.57%
EPS 5Y3.47%
EPS Q2Q%5.8%
EPS Next Y12.61%
EPS Next 2Y14.09%
EPS Next 3Y13.07%
EPS Next 5YN/A
Revenue 1Y (TTM)47.54%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%4.23%
Revenue Next Year10.73%
Revenue Next 2Y10.88%
Revenue Next 3Y7.92%
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%