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Upturn AI SWOT - About
CADE 
Cadence Bancorp (CADE)
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Upturn Advisory Summary
09/17/2025: CADE (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $40.2
1 Year Target Price $40.2
| 3 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.66% | Avg. Invested days 38 | 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 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.80B USD | Price to earnings Ratio 12.94 | 1Y Target Price 40.2 |
Price to earnings Ratio 12.94 | 1Y Target Price 40.2 | ||
Volume (30-day avg) 11 | Beta 0.93 | 52 Weeks Range 24.82 - 38.92 | Updated Date 09/17/2025 |
52 Weeks Range 24.82 - 38.92 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.85% | Basic EPS (TTM) 2.82 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.78% | Operating Margin (TTM) 42.05% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 9.59% |
Valuation
Trailing PE 12.94 | Forward PE 10.28 | Enterprise Value 8458167808 | Price to Sales(TTM) 3.9 |
Enterprise Value 8458167808 | Price to Sales(TTM) 3.9 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 186307008 | Shares Floating 184037797 |
Shares Outstanding 186307008 | Shares Floating 184037797 | ||
Percent Insiders 0.95 | Percent Institutions 88.41 |
Upturn AI SWOT
Cadence Bancorp
Company Overview
History and Background
Cadence Bancorp, headquartered in Houston, Texas, was founded in 2009. It was created through the merger of several community banks. Through strategic acquisitions and organic growth, Cadence has evolved into a regional bank serving the Southeastern U.S.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses of various sizes, including commercial real estate financing, working capital loans, and treasury management services.
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a regional bank, with distinct business lines and centralized support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and commercial real estate loans. Market share varies by region, but Cadence competes with national and regional banks. Competitors: Truist, Regions Financial, Bank of America.
- Mortgage Lending: Offers residential mortgage products to individuals. Subject to interest rates and housing market fluctuations. Competitors: Wells Fargo, JPMorgan Chase, US Bank.
- Treasury Management Services: Provides solutions to corporate customers for managing their cash flow and payments. Competitors: PNC, Fifth Third, KeyCorp.
Market Dynamics
Industry Overview
The banking industry is currently navigating a period of fluctuating interest rates and increased regulatory scrutiny. Consolidation is also a key trend.
Positioning
Cadence Bancorp is positioned as a regional bank focused on relationship banking and serving the needs of businesses and individuals in its geographic footprint. It differentiates itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for regional banking in the Southeastern U.S. is estimated to be in the billions of dollars. Cadence Bancorp's positioning allows it to capture a portion of this market through targeted growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeastern U.S.
- Experienced management team
- Diversified revenue streams
- Relationship-focused banking model
Weaknesses
- Smaller scale compared to national banks
- Sensitivity to interest rate changes
- Reliance on regional economic conditions
- Slower technology adoption compared to fintech companies
Opportunities
- Expanding into new markets within the Southeast
- Acquiring smaller community banks
- Investing in digital banking technologies
- Growing wealth management business
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the Southeast
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- HWC
- FITB
- RF
Competitive Landscape
Cadence faced competition from larger national banks and smaller community banks. Its competitive advantage lay in its local market expertise and relationship-focused approach, now under HWC.
Major Acquisitions
Hancock Whitney Corporation
- Year: 2022
- Acquisition Price (USD millions): 6000
- Strategic Rationale: The merger of Cadence Bancorp and Hancock Whitney created a stronger regional bank with increased scale and market presence.
Growth Trajectory and Initiatives
Historical Growth: Cadence Bancorp experienced growth through acquisitions and organic expansion before merging with Hancock Whitney.
Future Projections: N/A - Post merger with Hancock Whitney (HWC)
Recent Initiatives: Cadence Bancorp merged with Hancock Whitney in late 2021/early 2022.
Summary
Cadence Bancorp was a regional bank focused on the Southeastern US, known for its commercial banking and wealth management services. The company demonstrated consistent growth through strategic acquisitions and customer-focused operations. The merger with Hancock Whitney was a major initiative that significantly altered its financial structure and market position. Its success depended on navigating competitive pressures and economic conditions in the Southeast before its acquisition by HWC.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Merger Announcements
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share percentages are estimates and may vary. The merger with HWC significantly impacts any individual investment analysis of Cadence prior to the merger.
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 5514 | Website https://cadencebank.com |
Full time employees 5514 | 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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