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CADENCE BANK (CADE) Stock Fundamental Analysis

NYSE:CADE - New York Stock Exchange, Inc. - US12740C1036 - Common Stock - Currency: USD

35.65  +0.1 (+0.28%)

Fundamental Rating

4

Taking everything into account, CADE scores 4 out of 10 in our fundamental rating. CADE was compared to 393 industry peers in the Banks industry. CADE has a medium profitability rating, but doesn't score so well on its financial health evaluation. CADE is valied quite expensively at the moment, while it does show a decent growth rate.


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.
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 better Return On Assets (1.04%) than 68.19% of its industry peers.
With a Return On Equity value of 8.84%, CADE perfoms like the industry average, outperforming 54.71% of the companies in the same industry.
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

CADE has a Profit Margin of 28.68%. This is in the better half of the industry: CADE outperforms 77.61% of its industry peers.
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) 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.
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 0.51 indicates that CADE is somewhat dependend on debt financing.
CADE's Debt to Equity ratio of 0.51 is on the low side compared to the rest of the industry. CADE is outperformed by 78.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.37%
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.
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 47.54%.
The Revenue has been growing by 14.01% on average over the past years. This is quite good.
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

Based on estimates for the next years, CADE will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.94% on average per year.
Based on estimates for the next years, CADE will show a small growth in Revenue. The Revenue will grow by 7.16% on average per year.
EPS Next Y8.44%
EPS Next 2Y12.6%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue Next Year10.08%
Revenue Next 2Y10.49%
Revenue Next 3Y7.16%
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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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.42, CADE is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CADE is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CADE to the average of the S&P500 Index (26.82), we can say CADE is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.26, the valuation of CADE can be described as very reasonable.
CADE's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.24. CADE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.42
Fwd PE 10.26
CADE Price Earnings VS Forward Price EarningsCADE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
PEG (NY)1.47
PEG (5Y)3.58
EPS Next 2Y12.6%
EPS Next 3Y11.94%

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6

5. Dividend

5.1 Amount

CADE has a Yearly Dividend Yield of 3.04%.
Compared to an average industry Dividend Yield of 3.41, CADE has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CADE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.04%

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.
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 18.40% 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.
DP18.4%
EPS Next 2Y12.6%
EPS Next 3Y11.94%
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 (8/19/2025, 11:37:32 AM)

35.65

+0.1 (+0.28%)

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 Owners85.51%
Inst Owner Change3.13%
Ins Owners0.7%
Ins Owner Change0%
Market Cap6.64B
Analysts78.82
Price Target41.17 (15.48%)
Short Float %3.03%
Short Ratio3.14
Dividend
Industry RankSector Rank
Dividend Yield 3.04%
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)14.43%
PT rev (3m)15.32%
EPS NQ rev (1m)4.18%
EPS NQ rev (3m)2.92%
EPS NY rev (1m)0%
EPS NY rev (3m)1.71%
Revenue NQ rev (1m)5.85%
Revenue NQ rev (3m)8.04%
Revenue NY rev (1m)2.55%
Revenue NY rev (3m)2.92%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 10.26
P/S 3.64
P/FCF N/A
P/OCF N/A
P/B 1.12
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)2.87
EY8.05%
EPS(NY)3.47
Fwd EY9.74%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.78
BVpS31.74
TBVpS23.82
PEG (NY)1.47
PEG (5Y)3.58
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
WACC16.37%
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 Y8.44%
EPS Next 2Y12.6%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue 1Y (TTM)47.54%
Revenue growth 3Y14.83%
Revenue growth 5Y14.01%
Sales Q2Q%4.23%
Revenue Next Year10.08%
Revenue Next 2Y10.49%
Revenue Next 3Y7.16%
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%