Cadence Bancorp Financials

CADE Stock  USD 39.29  0.41  1.05%   
Based on the analysis of Cadence Bancorp's profitability, liquidity, and operating efficiency, Cadence Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Cadence Bancorp's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 4.1 B, whereas Net Debt is projected to grow to (279.1 M). Key indicators impacting Cadence Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.460.4391
Sufficiently Up
Slightly volatile
Return On Assets0.01030.0111
Significantly Down
Slightly volatile
Return On Equity0.110.1049
Sufficiently Up
Slightly volatile
Debt Equity Ratio0.80.7621
Sufficiently Up
Slightly volatile
Operating Income91.1 M95.9 M
Notably Down
Slightly volatile
Current Ratio1.151.2092
Notably Down
Slightly volatile
Investors should never underestimate Cadence Bancorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Cadence Bancorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in Cadence Bancorp.

Net Income

569.42 Million

  
Understanding current and past Cadence Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Cadence Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Cadence Bancorp's assets may result in an increase in income on the income statement.
Please note, the presentation of Cadence Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Cadence Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Cadence Bancorp's management manipulating its earnings.

Cadence Bancorp Stock Summary

Cadence Bancorp competes with NBT Bancorp, Financial Institutions, Berkshire Hills, Fidelity, and First Bancshares,. Cadence Bank provides commercial banking and financial services in the United States. The company was incorporated in 1876 and is headquartered in Tupelo, Mississippi. Cadence Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 6629 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS12740C1036
CUSIP12740C103 05971J102 059692103
LocationMississippi; U.S.A
Business AddressOne Mississippi Plaza,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitecadencebank.com
Phone662 680 2000
CurrencyUSD - US Dollar

Cadence Bancorp Key Financial Ratios

Cadence Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets21.1B24.1B47.7B48.7B48.9B51.4B
Other Current Liab(15.1M)(10.9M)13.6B(3.1B)(3.5B)(3.3B)
Net Debt(31.4M)(115.7M)(812.3M)1.6B(293.8M)(279.1M)
Retained Earnings1.7B1.8B1.9B2.2B2.6B2.7B
Accounts Payable15.1M10.9M39.8B39.0B44.8B47.0B
Cash333.0M417.4M1.3B2.0B4.2B4.4B
Other Assets10.3B9.7B12.8B20.4B23.4B24.6B
Net Receivables45.7M57.1M65.2M106.3M122.3M128.4M
Total Liab18.4B21.3B482.4M44.3B43.8B46.0B
Total Current Assets4.9B6.8B16.9B13.9B4.2B6.7B
Short Term Debt1.2B646.2M1.3B3.1B3.5B3.7B
Common Stock261.3M256.4M470.8M456.1M457.2M270.2M
Other Current Assets404.9M535.1M1.3B2.0B4.2B5.6B
Good Will825.7M851.6M1.4B1.5B1.4B1.4B
Inventory(404.9M)(535.1M)17.8M6.7M6.1M6.4M
Intangible Assets60.0M55.9M198.3M132.8M100.2M66.6M
Other Liab135.8M166.6M608.4M613.6M705.6M740.9M
Net Tangible Assets1.9B2.0B3.4B2.5B2.9B1.7B
Long Term Debt372.2M272.7M482.4M462.6M438.5M429.0M
Long Term Debt Total319.8M320.7M272.2M272.7M245.4M245.4M
Capital Surpluse1.0B1.0B1.9B1.9B2.2B1.4B

Cadence Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Operating Income299.5M287.5M246.9M808.7M95.9M91.1M
Ebit299.5M287.5M246.9M586.4M497.9M275.8M
Ebitda338.2M330.9M297.8M638.3M561.7M304.4M
Net Income234.3M228.1M195.2M463.2M542.3M569.4M
Income Tax Expense65.3M59.5M51.8M136.1M(4.6M)(4.4M)
Interest Expense125.1M108.5M76.3M209.3M958.8M1.0B
Total Revenue930.6M1.0B1.2B1.8B1.2B631.1M
Gross Profit930.6M1.0B1.2B1.8B1.2B630.7M
Income Before Tax299.5M287.5M246.9M599.4M(910K)(864.5K)
Tax Provision60.3M27.3M51.8M136.1M(4.6M)(4.4M)
Net Interest Income651.2M619.0M805.7M1.4B1.4B735.7M
Interest Income860.1M711.2M882.0M1.6B2.3B2.4B

Cadence Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash570K84.4M877.3M703.5M2.2B2.3B
Free Cash Flow184.6M170.6M1.1B828.5M498.8M523.7M
Depreciation38.7M43.4M175.9M255.8M238.6M250.5M
Other Non Cash Items(39.9M)42.4M929.2M95.4M(269.5M)(256.0M)
Dividends Paid72.8M85.9M108.8M170.3M(181.3M)(172.2M)
Capital Expenditures55.0M55.9M72.3M94.5M98.3M103.2M
Net Income234.3M228.1M195.2M463.2M542.3M569.4M
End Period Cash Flow333.0M417.4M1.3B2.0B4.2B4.4B
Change To Inventory5.0M(37.9M)2.4M(19.1M)(17.1M)(16.3M)
Investments(127.9M)(662.1M)(5.2B)(1.7B)(789.8M)(829.3M)
Net Borrowings23.5M(601.3M)588.5M2.7B3.1B3.3B
Change To Netincome252.6M648.7M925.3M136.0M156.4M259.8M

Cadence Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Cadence Bancorp's current stock value. Our valuation model uses many indicators to compare Cadence Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Cadence Bancorp competition to find correlations between indicators driving Cadence Bancorp's intrinsic value. More Info.
Cadence Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Cadence Bancorp is roughly  9.81 . At present, Cadence Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Cadence Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Cadence Bancorp Systematic Risk

Cadence Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Cadence Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Cadence Bancorp correlated with the market. If Beta is less than 0 Cadence Bancorp generally moves in the opposite direction as compared to the market. If Cadence Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Cadence Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Cadence Bancorp is generally in the same direction as the market. If Beta > 1 Cadence Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Cadence Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Cadence Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Cadence Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.48

At present, Cadence Bancorp's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Cadence Bancorp November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Cadence Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Cadence Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Cadence Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Cadence Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Cadence Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Cadence Stock analysis

When running Cadence Bancorp's price analysis, check to measure Cadence Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Cadence Bancorp is operating at the current time. Most of Cadence Bancorp's value examination focuses on studying past and present price action to predict the probability of Cadence Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Cadence Bancorp's price. Additionally, you may evaluate how the addition of Cadence Bancorp to your portfolios can decrease your overall portfolio volatility.
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