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CADENCE BANK (CADE) Stock Fundamental Analysis

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

35.87  -0.06 (-0.17%)

Fundamental Rating

3

CADE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. CADE has a medium profitability rating, but doesn't score so well on its financial health evaluation. CADE has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year CADE was profitable.
CADE had a positive operating cash flow in the past year.
CADE had positive earnings in each of the past 5 years.
In the past 5 years CADE always reported a positive cash flow from operatings.
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 200M 400M 600M 800M 1B

1.2 Ratios

CADE has a better Return On Assets (1.24%) than 82.16% of its industry peers.
The Return On Equity of CADE (11.28%) is better than 81.91% of its industry peers.
Industry RankSector Rank
ROA 1.24%
ROE 11.28%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.89%
ROE(3y)8.12%
ROE(5y)8.17%
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 2 4 6 8 10

1.3 Margins

CADE's Profit Margin of 48.29% is amongst the best of the industry. CADE outperforms 99.50% 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 RankSector Rank
OM N/A
PM (TTM) 48.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.57%
PM growth 5Y10.82%
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 10 20 30 40

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0

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
Compared to 1 year ago, CADE has a worse debt to assets ratio.
CADE Yearly Shares OutstandingCADE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 10B 20B 30B 40B

2.2 Solvency

CADE has a debt to FCF ratio of 6.38. This is a slightly negative value and a sign of low solvency as CADE would need 6.38 years to pay back of all of its debts.
CADE has a worse Debt to FCF ratio (6.38) than 67.84% of its industry peers.
CADE has a Debt/Equity ratio of 0.72. This is a neutral value indicating CADE is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.72, CADE is not doing good in the industry: 82.91% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 6.38
Altman-Z N/A
ROIC/WACCN/A
WACC12.03%
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 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 1B 2B 3B 4B

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4

3. Growth

3.1 Past

CADE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.31%, which is quite good.
CADE shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.46% yearly.
The Revenue for CADE has decreased by -32.03% in the past year. This is quite bad
Measured over the past years, CADE shows a small growth in Revenue. The Revenue has been growing by 7.58% on average per year.
EPS 1Y (TTM)17.31%
EPS 3Y-3.19%
EPS 5Y-2.46%
EPS Q2Q%30.36%
Revenue 1Y (TTM)-32.03%
Revenue growth 3Y6.32%
Revenue growth 5Y7.58%
Sales Q2Q%-0.1%

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 18.11% yearly.
CADE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.12% yearly.
EPS Next Y41.44%
EPS Next 2Y22.54%
EPS Next 3Y18.11%
EPS Next 5YN/A
Revenue Next Year-2.09%
Revenue Next 2Y1.78%
Revenue Next 3Y3.12%
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 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 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.70, CADE is valued correctly.
Based on the Price/Earnings ratio, CADE is valued a bit more expensive than the industry average as 60.55% of the companies are valued more cheaply.
CADE is valuated rather cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
CADE is valuated correctly with a Price/Forward Earnings ratio of 12.19.
CADE's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.44. CADE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.7
Fwd PE 12.19
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

63.32% of the companies in the same industry are more expensive than CADE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.94
EV/EBITDA N/A
CADE Per share dataCADE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The 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 18.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y22.54%
EPS Next 3Y18.11%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.83%, CADE has a reasonable but not impressive dividend return.
CADE's Dividend Yield is comparable with the industry average which is at 3.22.
CADE's Dividend Yield is a higher than the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 2.83%

5.2 History

On average, the dividend of CADE grows each year by 8.95%, 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)8.95%
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 0.5 1 1.5 2 2.5

5.3 Sustainability

CADE pays out 31.28% 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.
DP31.28%
EPS Next 2Y22.54%
EPS Next 3Y18.11%
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 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 (1/22/2025, 11:35:56 AM)

35.87

-0.06 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2024-10-21/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners84.93%
Inst Owner Change-0.02%
Ins Owners14.75%
Ins Owner Change0%
Market Cap6.56B
Analysts77.65
Price Target41.68 (16.2%)
Short Float %3.04%
Short Ratio4.4
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.99
Dividend Growth(5Y)8.95%
DP31.28%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.84%
Min EPS beat(2)10.48%
Max EPS beat(2)11.2%
EPS beat(4)2
Avg EPS beat(4)-1.92%
Min EPS beat(4)-25.6%
Max EPS beat(4)11.2%
EPS beat(8)2
Avg EPS beat(8)-13.06%
EPS beat(12)5
Avg EPS beat(12)-5.62%
EPS beat(16)8
Avg EPS beat(16)-2.13%
Revenue beat(2)2
Avg Revenue beat(2)0.83%
Min Revenue beat(2)0.45%
Max Revenue beat(2)1.21%
Revenue beat(4)2
Avg Revenue beat(4)-24.43%
Min Revenue beat(4)-94.83%
Max Revenue beat(4)1.21%
Revenue beat(8)3
Avg Revenue beat(8)-14.4%
Revenue beat(12)4
Avg Revenue beat(12)-9.79%
Revenue beat(16)5
Avg Revenue beat(16)-7.29%
PT rev (1m)4.17%
PT rev (3m)15.11%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-0.13%
EPS NY rev (1m)0%
EPS NY rev (3m)5.53%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 14.7
Fwd PE 12.19
P/S 5.31
P/FCF 10.94
P/OCF 9.4
P/B 1.24
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)2.44
EY6.8%
EPS(NY)2.94
Fwd EY8.2%
FCF(TTM)3.28
FCFY9.14%
OCF(TTM)3.82
OCFY10.64%
SpS6.75
BVpS28.9
TBVpS20.93
PEG (NY)0.35
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 11.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 48.29%
GM N/A
FCFM 48.55%
ROA(3y)0.8%
ROA(5y)0.89%
ROE(3y)8.12%
ROE(5y)8.17%
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 3Y26.57%
PM growth 5Y10.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 6.38
Debt/EBITDA N/A
Cap/Depr 45.13%
Cap/Sales 7.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.54%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.03%
ROIC/WACCN/A
Cap/Depr(3y)39.75%
Cap/Depr(5y)69.92%
Cap/Sales(3y)6.4%
Cap/Sales(5y)6.3%
Profit Quality(3y)287.02%
Profit Quality(5y)203.58%
High Growth Momentum
Growth
EPS 1Y (TTM)17.31%
EPS 3Y-3.19%
EPS 5Y-2.46%
EPS Q2Q%30.36%
EPS Next Y41.44%
EPS Next 2Y22.54%
EPS Next 3Y18.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-32.03%
Revenue growth 3Y6.32%
Revenue growth 5Y7.58%
Sales Q2Q%-0.1%
Revenue Next Year-2.09%
Revenue Next 2Y1.78%
Revenue Next 3Y3.12%
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 1Y-54.91%
FCF growth 3Y38.94%
FCF growth 5Y20%
OCF growth 1Y-51.1%
OCF growth 3Y32.94%
OCF growth 5Y20%