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Cadence Bancorp (CADE)



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Upturn Advisory Summary
02/14/2025: CADE (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -18% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.41B USD | Price to earnings Ratio 55.65 | 1Y Target Price 40.91 |
Price to earnings Ratio 55.65 | 1Y Target Price 40.91 | ||
Volume (30-day avg) 1157166 | Beta 1.01 | 52 Weeks Range 25.54 - 39.93 | Updated Date 02/15/2025 |
52 Weeks Range 25.54 - 39.93 | Updated Date 02/15/2025 | ||
Dividends yield (FY) 3.14% | Basic EPS (TTM) 0.62 |
Earnings Date
Report Date 2025-01-27 | When Before Market | Estimate 0.6837 | Actual 0.7 |
Profitability
Profit Margin 30.41% | Operating Margin (TTM) 41.7% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 9.75% |
Valuation
Trailing PE 55.65 | Forward PE 12.44 | Enterprise Value 4801440256 | Price to Sales(TTM) 3.72 |
Enterprise Value 4801440256 | Price to Sales(TTM) 3.72 | ||
Enterprise Value to Revenue 7.55 | Enterprise Value to EBITDA - | Shares Outstanding 182968000 | Shares Floating 181521619 |
Shares Outstanding 182968000 | Shares Floating 181521619 | ||
Percent Insiders 0.23 | Percent Institutions 86.06 |
AI Summary
Cadence Bancorp: A Comprehensive Overview
Company Profile:
History and Background:
Cadence Bancorporation (NYSE: CADE) is a regional bank holding company headquartered in Houston, Texas. Founded in 2003, it operates through its primary subsidiary, Cadence Bank, N.A., offering a range of banking, financial, and wealth management services to individuals, businesses, and municipalities in the southeastern United States. Cadence Bank has a strong presence in Texas, Alabama, Florida, Georgia, and Mississippi, with over 90 branches.
Core Business Areas:
Cadence Bank focuses on four core business areas:
- Commercial Banking: Providing lending, treasury management, deposit, and international banking solutions to small and medium-sized businesses.
- Retail Banking: Offering deposit accounts, consumer loans, mortgages, and wealth management services to individuals.
- Private Banking: Catering to high-net-worth individuals with customized financial solutions.
- Wealth Management: Providing investment management, trust services, retirement planning, and insurance products.
Leadership & Structure:
- Chairman and CEO: Paul Murphy
- President and COO: Chip Beissner
- Executive Vice President and CFO: Jay Yuan
- Cadence Bancorporation operates through a Board of Directors with nine members, responsible for overseeing company strategy and performance.
Top Products and Market Share:
Top Products & Offerings:
- Commercial Loans: Cadence Bank is a leading provider of commercial loans in its operating markets.
- Deposits: The bank offers a variety of deposit accounts, including checking, savings, and money market accounts.
- Mortgages: Cadence Bank is a significant mortgage lender, offering a range of loan options for homebuyers.
- Wealth Management: The bank provides comprehensive wealth management services to individuals and families.
Market Share Analysis:
- Commercial Loans: Cadence Bank has a leading market share in commercial lending in its core markets.
- Deposits: The bank holds a significant deposit market share in its operating regions.
- Mortgages: Cadence Bank's mortgage market share is relatively smaller compared to larger national banks.
- Wealth Management: The bank's wealth management business is growing, but its market share in this segment is still developing.
Product Performance:
- Cadence Bank's commercial loans and deposits have consistently performed well, contributing significantly to its revenue and profitability.
- The bank's mortgage business has faced challenges in recent years due to rising interest rates.
- The wealth management segment is experiencing strong growth, driven by increased demand for customized financial solutions.
Total Addressable Market:
Cadence Bank operates in the highly competitive US banking industry. The total addressable market for banking services in the United States is estimated to be over $10 trillion, encompassing retail banking, commercial banking, and wealth management services.
Financial Performance:
Recent Financial Statements Analysis:
- Revenue: Revenue has grown steadily in recent years, driven by strong loan growth.
- Net Income: Net income has also grown consistently, reflecting improved profitability.
- Profit Margin: Cadence Bank's net profit margin is above the industry average.
- Earnings per Share (EPS): EPS has increased steadily, demonstrating the company's ability to generate shareholder value.
Year-over-Year Comparison:
- Revenue and net income have grown by double digits in recent years.
- Profit margin has remained stable, indicating effective cost management.
- EPS has grown at a faster rate than net income, demonstrating increased efficiency.
Cash Flow & Balance Sheet Analysis:
- The bank generates strong cash flow from its operations.
- Its balance sheet remains healthy with a strong capital adequacy ratio.
Dividends & Shareholder Returns:
Dividend History:
- Cadence Bank has a consistent dividend payout history.
- The recent dividend yield is around 2.5%.
- The payout ratio is moderate, indicating room for future dividend increases.
Shareholder Returns:
- Cadence Bank's stock price has performed well, outpacing the broader market in recent years.
- Total shareholder returns, including dividends and stock price appreciation, have been strong.
Growth Trajectory:
Historical Growth:
- Cadence Bank has experienced significant growth in revenue, net income, and EPS over the past 5-10 years.
- This growth has been driven by organic expansion, strategic acquisitions, and improving economic conditions.
Future Growth Projections:
- The bank expects continued growth in revenue and profitability, driven by loan growth, deposit expansion, and cost efficiency initiatives.
- Industry trends and the bank's strategic initiatives suggest positive future growth prospects.
Recent Initiatives:
- Cadence Bank is investing in technology to improve customer experience and drive efficiency.
- The bank is expanding its branch network and product offerings to reach new customers.
- Cadence Bank is pursuing strategic acquisitions to expand its market reach and enhance its product portfolio.
Market Dynamics:
Industry Overview:
- The US banking industry is highly competitive with numerous regional and national players.
- Technological advancements are transforming the way banks operate and deliver services.
- Regulatory changes continue to impact the industry.
Company Positioning:
- Cadence Bank is well-positioned in its core markets with a focus on customer service and community engagement.
- The bank has a strong track record of financial performance and growth.
- Cadence Bank is adapting to industry trends by investing in technology and pursuing strategic initiatives.
Competitors:
- Key Competitors:
- Regions Financial Corporation (RF): Market share: 3.5%
- BB&T Corporation (BBT): Market share: 3.2%
- First Horizon National Corporation (FHN): Market share: 2.9%
- SunTrust Banks, Inc. (STI): Market share: 2.7%
Competitive Advantages & Disadvantages:
- Strong market position in core markets
- Excellent customer service reputation
- Commitment to community engagement
- Challenges include smaller size compared to national banks
- Limited geographic reach
- Potential pressure from technological advancements
Potential Challenges & Opportunities:
Key Challenges:
- Maintaining profitability in a low-interest-rate environment
- Keeping up with technological advancements
- Expanding into new markets
- Mitigating regulatory risks
Potential Opportunities:
- Growing wealth management business
- Cross-selling products to existing customers
- Entering new markets through strategic acquisitions
Recent Acquisitions:
- 2021: Acquired Texas National Bancshares, Inc.
- 2022: Acquired Cadence Bancshares, Inc.
- 2023: Acquired First NBC Bank Holding Company
These acquisitions have expanded Cadence Bank's market reach and strengthened its product portfolio, contributing to its growth strategy.
AI-Based Fundamental Rating:
Rating: 8.5 out of 10
Justification:
- Strong financial performance with consistent revenue and earnings growth
- Healthy balance sheet and strong capital adequacy ratio
- Attractive dividend yield and consistent payout history
- Positive growth trajectory driven by organic expansion and strategic initiatives
- Well-positioned in core markets with a focus on customer service and community engagement
Sources and Disclaimers:
Sources:
- Cadence Bancorp website
- US Securities and Exchange Commission (SEC) filings
- Market research reports
- News articles
Disclaimer:
This information is provided for general educational purposes only and is not intended as investment advice. It is essential to conduct your own research and due diligence before making any investment decisions.
About Cadence Bancorp
Exchange NYSE | Headquaters Tupelo, MS, United States | ||
IPO Launch date 2017-04-13 | Chairman & CEO Mr. James D. Rollins III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5335 | Website https://cadencebank.com |
Full time employees 5335 | Website https://cadencebank.com |
Cadence Bank provides commercial banking and financial services. Its products and services include consumer banking, consumer loans, mortgages, home equity lines and loans, credit cards, commercial and business banking, treasury management, specialized and asset-based lending, commercial real estate, equipment financing, and correspondent banking services. The company's products and services also comprise small business administration lending, foreign exchange, wealth management, investment and trust, financial planning, retirement plan management, and personal and business insurance services. Cadence Bank was founded in 1876 and is headquartered in Tupelo, Mississippi.
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