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Cadence Bank (CADE)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 1,027 | 1,049 | 1,694 | 1,235 | 1,793 | 1,870 | 1,871 |
| Operating profit | $m | 696 | 696 | |||||
| Net profit | $m | 228 | 195 | 463 | 542 | 524 | 544 | 544 |
| EPS reported | $ | 2.83 | 2.82 | |||||
| Operating cashflow per share | $ | 0.00 | 1.78 | |||||
| Capex per share | $ | 0.00 | 0.23 | |||||
| FCF per share | $ | 0.00 | 1.55 | |||||
| Free cash flow | $m | - | 508 | |||||
| Net debt | $m | 2,190 | 2,190 | |||||
| Book value equity | $m | 6,244 | 6,244 | |||||
| Book value per share | $ | 33.19 | 32.95 | |||||
| Number of shares | m | 188.09 | 189.51 | |||||
| DPS (TTM paid) | $ | 1.10 | 0.62 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 15.14 | 14.93 | |||||
| P/B LTM | x | 1.29 | 1.26 | |||||
| P/S LTM | x | 4.31 | 4.19 | |||||
| P/FCF LTM | x | 0.00 | 15.45 | |||||
| EV/EBITDA LTM | x | 14.73 | 13.47 | |||||
| EV/Sales LTM | x | 3.53 | 5.36 | |||||
| Earnings Yield LTM | % | 6.61% | 6.70% | |||||
| FCF Yield | % | 0.00% | 6.47% | |||||
| Quality | ||||||||
| ROE | % | 8.72% | 6.76% | |||||
| ROIC | % | -1.92% | -1.45% | |||||
| Operating margin | % | 23.95% | 23.62% | |||||
| Gross margin | % | 60.56% | 60.11% | |||||
| FCF/Sales | % | 0.00% | 13.19% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +2.17% | +2.17% | |||||
| Sales Growth YoY | % | +4.32% | +4.32% | |||||
| Net Income Growth YoY | % | +3.98% | +3.98% | |||||
| FCF Growth | % | - | -22.88% | |||||
| Operating Profit Growth | % | +2.89% | +2.89% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.57% | 1.47% | |||||
| Dividend Growth | % | +10.00% | - | |||||
| Payout Ratio | % | 37.37% | 38.00% | |||||
| FCF/Debt | x | - | 0.23 | |||||
| Net Debt/EBITDA | x | 3.15 | 3.95 | |||||
| EBIT/Net interest | x | 0.67 | 0.66 | |||||
| Net debt/market cap | % | 27.18% | 27.92% | |||||
| Net debt/Equity | x | 0.35 | 0.35 | |||||
| Gross debt/equity | x | 0.35 | 0.35 | |||||
Company overview
Cadence Bank operates as a comprehensive financial institution throughout the United States, providing a diverse range of commercial banking and other financial services. Its extensive offerings cater to both individual and business clients. For consumers, this includes essential banking services, various lending products such as consumer loans, mortgages, home equity lines and loans, and credit cards. Businesses benefit from commercial banking, treasury management, specialized and asset-based lending, commercial real estate financing, equipment financing, and correspondent banking services. Beyond these, Cadence Bank also offers Small Business Administration (SBA) lending, foreign exchange, wealth management, investment and trust services, financial planning, retirement plan management, and a selection of personal and business insurance solutions. As of March 3, 2022, the bank maintained approximately 400 physical branch locations, primarily distributed across the Southern, Midwestern, and Texas regions. Founded in 1876, the company's corporate headquarters are located in Tupelo, Mississippi.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cadence Bank (CADE)
Cadence Bank operates as a comprehensive financial institution throughout the United States, providing a diverse range of commercial banking and other financial services. Its extensive offerings cater to both individual and business clients. For consumers, this includes essential banking services, various lending products such as consumer loans, mortgages, home equity lines and loans, and credit cards. Businesses benefit from commercial banking, treasury management, specialized and asset-based lending, commercial real estate financing, equipment financing, and correspondent banking services. Beyond these, Cadence Bank also offers Small Business Administration (SBA) lending, foreign exchange, wealth management, investment and trust services, financial planning, retirement plan management, and a selection of personal and business insurance solutions. As of March 3, 2022, the bank maintained approximately 400 physical branch locations, primarily distributed across the Southern, Midwestern, and Texas regions. Founded in 1876, the company's corporate headquarters are located in Tupelo, Mississippi.
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