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Upturn AI SWOT - About
CADE 
Cadence Bancorp (CADE)
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Upturn Advisory Summary
07/02/2025: CADE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $35.27
1 Year Target Price $35.27
| 3 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.82% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.14B USD | Price to earnings Ratio 12.07 | 1Y Target Price 35.27 |
Price to earnings Ratio 12.07 | 1Y Target Price 35.27 | ||
Volume (30-day avg) 11 | Beta 0.85 | 52 Weeks Range 25.00 - 39.20 | Updated Date 07/2/2025 |
52 Weeks Range 25.00 - 39.20 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 2.77 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.12% | Operating Margin (TTM) 42.43% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 9.9% |
Valuation
Trailing PE 12.07 | Forward PE 11.49 | Enterprise Value 5384658432 | Price to Sales(TTM) 3.54 |
Enterprise Value 5384658432 | Price to Sales(TTM) 3.54 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 183524992 | Shares Floating 184113507 |
Shares Outstanding 183524992 | Shares Floating 184113507 | ||
Percent Insiders 0.96 | Percent Institutions 85.41 |
Upturn AI SWOT
Cadence Bancorp
Company Overview
History and Background
Cadence Bancorp was founded in 2009, born out of the financial crisis, and has grown through acquisitions and organic growth to become a significant regional bank.
Core Business Areas
- Commercial Banking: Provides a wide array of lending and deposit products to businesses of all sizes.
- Retail Banking: Offers a full range of banking services to individuals, including checking, savings, mortgage loans, and wealth management.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of experienced banking executives. The organizational structure is typical of a regional bank, with distinct divisions for commercial, retail, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share information is not publicly disclosed by Cadence specifically for this product. Competitors include Truist (TFC), Regions Financial (RF), and Fifth Third Bancorp (FITB).
- Mortgage Loans: Residential mortgage loans for home purchase or refinance. Market share information is not publicly disclosed by Cadence specifically for this product. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share information is not publicly disclosed by Cadence specifically for this product. Competitors include all major national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and competition from fintech companies. Consolidation is also a key trend.
Positioning
Cadence Bancorp positioned itself as a regional bank focused on providing personalized service and tailored financial solutions. They emphasize relationship banking.
Total Addressable Market (TAM)
The US banking market is estimated to be several trillion dollars in assets. Cadence Bancorp, as a regional player, captures a small percentage of this TAM, focusing on specific geographic markets and customer segments.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diverse product and service offerings
- Relationship-focused banking model
Weaknesses
- Smaller scale compared to national banks
- Limited brand recognition outside of its core markets
- Dependence on regional economic conditions
- Higher operational costs compared to fintech competitors
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Strategic acquisitions to grow market share
- Cross-selling opportunities across different business lines
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates and economic downturn
- Cybersecurity risks and data breaches
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- RF
- FITB
- HBAN
- KEY
Competitive Landscape
Cadence had been competing with larger national and regional banks for market share and customer relationships. Its focus on relationship banking provided a differentiator, but it faced challenges related to scale and brand recognition.
Major Acquisitions
State Bank and Trust Company
- Year: 2019
- Acquisition Price (USD millions): 1400
- Strategic Rationale: Expanded Cadence's presence in Georgia and increased its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Cadence Bancorp experienced growth through organic expansion and strategic acquisitions prior to its merger.
Future Projections: No future projections available as Cadence Bancorp is no longer a standalone entity.
Recent Initiatives: Prior to the acquisition, recent initiatives would have included efforts to enhance digital banking capabilities and expand into new markets.
Summary
Cadence Bancorp was a regional bank that experienced growth through strategic acquisitions and organic expansion. Focused on relationship banking, they faced competition from larger national banks. However, regulatory risks, cybersecurity threats, and changes in banking regulations were persistent threats. Cadence was acquired, ending its time as an independent company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (historical)
- Market Analysis Reports (historical)
- News Articles (historical)
- Publicly Available Information
Disclaimers:
This analysis is based on publicly available information and historical data. Cadence Bancorp is no longer an independent publicly traded company, so the information may not be entirely current. Market share data is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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 5356 | Website https://cadencebank.com |
Full time employees 5356 | Website https://cadencebank.com | ||
Cadence Bank provides commercial banking and financial services in the United States. It operates through Corporate Banking, Community Banking, Mortgage, and Banking Services segments. The company offers deposit products, including checking accounts, savings accounts, money market accounts, time deposits, and other deposit accounts through multiple channels It also provides commercial, consumer, industrial, and residential and commercial real estate loans. In addition, the company offers term loans, lines of credit, equipment and receivable financing, energy, restaurant, healthcare, technology, small business administration, agricultural loans, construction loans, second mortgage loans, and home equity lines of credit, as well as automobiles, recreation vehicles, boats, secured and unsecured personal, and deposit account secured loans. Further, it provides wealth management, and other fiduciary and private banking services. Additionally, the company offers trust and investment management, asset management, and retirement and savings solutions, as well as estate planning, annuity, and credit-related products. It serves individuals, businesses, governmental institutions, and non-profit entities. The company was founded in 1876 and is headquartered in Tupelo, Mississippi.
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