CADENCE BANK(NYSE:CADE) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CADE. CADE was compared to 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 is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

CADE had positive earnings in the past year.

In the past 5 years CADE has always been profitable.

Of the past 5 years CADE 4 years had a positive operating cash flow.

1.2 Ratios

CADE's Return On Assets of 1.04% is fine compared to the rest of the industry. CADE outperforms 72.18% of its industry peers.

The Return On Equity of CADE (9.23%) is better than 61.65% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.04%
ROE	9.23%
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CADE has a Profit Margin of 28.68%. This is amongst the best in the industry. CADE outperforms 80.95% 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CADE does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for CADE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

CADE has a Debt/Equity ratio of 0.67. This is a neutral value indicating CADE is somewhat dependend on debt financing.

CADE's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. CADE is outperformed by 82.21% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.67
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.89%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CADE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.80%, which is quite impressive.

CADE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.47% yearly.

The Revenue has grown by 45.14% in the past year. This is a very strong growth!

Measured over the past years, CADE shows a quite strong growth in Revenue. The Revenue has been growing by 14.01% on average per year.

EPS 1Y (TTM)39.8%

EPS 3Y16.57%

EPS 5Y3.47%

EPS Q2Q%75%

Revenue 1Y (TTM)45.14%

Revenue growth 3Y14.83%

Revenue growth 5Y14.01%

Sales Q2Q%1847.27%

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 12.26% yearly.

The Revenue is expected to grow by 6.86% on average over the next years.

EPS Next Y6.47%

EPS Next 2Y9.26%

EPS Next 3Y12.26%

EPS Next 5YN/A

Revenue Next Year5.91%

Revenue Next 2Y6.75%

Revenue Next 3Y6.86%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.06, which indicates a correct valuation of CADE.

The rest of the industry has a similar Price/Earnings ratio as CADE.

CADE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

CADE is valuated reasonably with a Price/Forward Earnings ratio of 11.33.

CADE's Price/Forward Earnings ratio is in line with the industry average.

CADE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.

		Industry Rank	Sector Rank
PE	12.06
Fwd PE	11.33

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CADE does not grow enough to justify the current Price/Earnings ratio.

A more expensive valuation may be justified as CADE's earnings are expected to grow with 12.26% in the coming years.

PEG (NY)1.86

PEG (5Y)3.47

EPS Next 2Y9.26%

EPS Next 3Y12.26%

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5. Dividend

5.1 Amount

CADE has a Yearly Dividend Yield of 3.26%.

CADE's Dividend Yield is a higher than the industry average which is at 3.18.

Compared to an average S&P500 Dividend Yield of 2.27, CADE pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.26%

5.2 History

The dividend of CADE is nicely growing with an annual growth rate of 8.95%!

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

5.3 Sustainability

CADE's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP0%

EPS Next 2Y9.26%

EPS Next 3Y12.26%

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CADENCE BANK

NYSE:CADE (2/21/2025, 8:04:56 PM)

After market: 33.04 0 (0%)

33.04

-0.66 (-1.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)04-21 2025-04-21/amc

Inst Owners86.21%

Inst Owner Change-85.38%

Ins Owners5.57%

Ins Owner Change0%

Market Cap6.05B

Analysts77.65

Price Target41.73 (26.3%)

Short Float %2.52%

Short Ratio3.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.26%

Yearly Dividend0.99

Dividend Growth(5Y)8.95%

DP0%

Div Incr Years2

Div Non Decr Years2

Ex-Date03-14 2025-03-14 (0.275)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.56%

Min EPS beat(2)0.6%

Max EPS beat(2)12.52%

EPS beat(4)4

Avg EPS beat(4)8.7%

Min EPS beat(4)0.6%

Max EPS beat(4)12.52%

EPS beat(8)4

Avg EPS beat(8)-5.93%

EPS beat(12)6

Avg EPS beat(12)-7.06%

EPS beat(16)8

Avg EPS beat(16)-3.51%

Revenue beat(2)0

Avg Revenue beat(2)-3.08%

Min Revenue beat(2)-3.46%

Max Revenue beat(2)-2.69%

Revenue beat(4)2

Avg Revenue beat(4)-1.12%

Min Revenue beat(4)-3.46%

Max Revenue beat(4)1.21%

Revenue beat(8)2

Avg Revenue beat(8)-14.76%

Revenue beat(12)4

Avg Revenue beat(12)-10.05%

Revenue beat(16)5

Avg Revenue beat(16)-7.55%

PT rev (1m)0.11%

PT rev (3m)6.26%

EPS NQ rev (1m)-0.71%

EPS NQ rev (3m)2.97%

EPS NY rev (1m)-0.87%

EPS NY rev (3m)-0.26%

Revenue NQ rev (1m)-1.1%

Revenue NQ rev (3m)-0.6%

Revenue NY rev (1m)0.1%

Revenue NY rev (3m)0.05%

Valuation

		Industry Rank	Sector Rank
PE	12.06
Fwd PE	11.33
P/S	3.37
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)2.74

EY8.29%

EPS(NY)2.92

Fwd EY8.83%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS9.8

BVpS30.46

TBVpS22.51

PEG (NY)1.86

PEG (5Y)3.47

Profitability

		Industry Rank	Sector Rank
ROA	1.04%
ROE	9.23%
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)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

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 Rank	Sector Rank
Debt/Equity	0.67
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

WACC11.89%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)39.8%

EPS 3Y16.57%

EPS 5Y3.47%

EPS Q2Q%75%

EPS Next Y6.47%

EPS Next 2Y9.26%

EPS Next 3Y12.26%

EPS Next 5YN/A

Revenue 1Y (TTM)45.14%

Revenue growth 3Y14.83%

Revenue growth 5Y14.01%

Sales Q2Q%1847.27%

Revenue Next Year5.91%

Revenue Next 2Y6.75%

Revenue Next 3Y6.86%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

CADENCE BANK (CADE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens