(CADE) Cadence Bancorp - Ratings and Ratios
Deposits, Loans, Mortgages, Wealth Management, Fiduciary
Dividends
| Dividend Yield | 2.51% |
| Yield on Cost 5y | 4.95% |
| Yield CAGR 5y | -2.24% |
| Payout Consistency | 89.4% |
| Payout Ratio | 37.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 35.0% |
| Value at Risk 5%th | 52.2% |
| Relative Tail Risk | -9.25% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.63 |
| Alpha | 6.72 |
| CAGR/Max DD | 0.73 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.484 |
| Beta | 1.139 |
| Beta Downside | 1.239 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.69% |
| Mean DD | 11.95% |
| Median DD | 9.48% |
Description: CADE Cadence Bancorp November 05, 2025
Cadence Bancorp (NYSE:CADE) is a U.S. regional bank that delivers a full suite of commercial banking and financial services through four operating segments: Corporate Banking, Community Banking, Mortgage, and Banking Services. Its product set spans deposit accounts (checking, savings, money-market, and time deposits), a broad array of loan offerings (commercial, consumer, industrial, residential real-estate, SBA, equipment, and specialty-industry financing), and wealth-management services including trust, investment management, retirement solutions, and estate planning.
Key operating metrics as of the most recent FY 2023 filing show total assets of roughly **$30 billion**, a **net interest margin (NIM) of 3.2%**, and a **loan-to-deposit ratio of 78%**, indicating a balanced funding profile. The bank posted **$1.1 billion in deposits** and generated **$820 million in net interest income**, with earnings per share growing 12% year-over-year, driven largely by higher rates and disciplined credit risk management. Cadence’s exposure to commercial real-estate (≈15% of loan portfolio) and small-business lending makes it sensitive to regional economic cycles and the Federal Reserve’s interest-rate policy.
Sector-level drivers that will likely shape Cadence’s near-term performance include the **Fed’s tightening cycle**, which can boost NIM but also increase credit-loss risk in rate-sensitive loan segments, and **regional economic growth in the Southeast**, where the bank’s footprint is concentrated. Additionally, the ongoing **digitization of banking services** presents both cost-efficiency opportunities and competitive pressure from fintech entrants.
For a deeper quantitative breakdown of Cadence Bancorp’s valuation sensitivities, the ValueRay platform offers a free, data-driven model you may find useful.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (530.4m TTM) > 0 and > 6% of Revenue (6% = 160.0m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1446 % (prev -1288 %; Δ -158.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 584.5m > Net Income 530.4m (YES >=105%, WARN >=100%) |
| Net Debt (396.0m) to EBITDA (780.6m) ratio: 0.51 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (189.1m) change vs 12m ago 1.92% (target <= -2.0% for YES) |
| Gross Margin 41.66% (prev 48.12%; Δ -6.46pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.20% (prev 4.82%; Δ 0.39pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.64 (EBITDA TTM 780.6m / Interest Expense TTM 794.2m) >= 6 (WARN >= 3) |
Altman Z'' -4.42
| (A) -0.72 = (Total Current Assets 6.31b - Total Current Liabilities 44.88b) / Total Assets 53.28b |
| (B) 0.06 = Retained Earnings (Balance) 3.13b / Total Assets 53.28b |
| (C) 0.01 = EBIT TTM 506.9m / Avg Total Assets 51.24b |
| (D) 0.07 = Book Value of Equity 3.10b / Total Liabilities 47.20b |
| Total Rating: -4.42 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.93
| 1. Piotroski 3.0pt |
| 2. FCF Yield 6.23% |
| 3. FCF Margin 19.04% |
| 4. Debt/Equity 0.38 |
| 5. Debt/Ebitda 0.51 |
| 6. ROIC - WACC (= -4.73)% |
| 7. RoE 9.11% |
| 8. Rev. Trend 34.00% |
| 9. EPS Trend 58.54% |
What is the price of CADE shares?
Over the past week, the price has changed by +5.67%, over one month by +12.66%, over three months by +16.98% and over the past year by +23.26%.
Is CADE a buy, sell or hold?
- Strong Buy: 3
- Buy: 3
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CADE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 42.7 | -2.5% |
| Analysts Target Price | 42.7 | -2.5% |
| ValueRay Target Price | 52 | 18.7% |
CADE Fundamental Data Overview December 11, 2025
P/E Trailing = 15.0325
P/E Forward = 11.7233
P/S = 4.3225
P/B = 1.3113
Beta = 0.977
Revenue TTM = 2.67b USD
EBIT TTM = 506.9m USD
EBITDA TTM = 780.6m USD
Long Term Debt = 1.33b USD (from longTermDebt, last quarter)
Short Term Debt = 954.5m USD (from shortTermDebt, last quarter)
Debt = 2.29b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 396.0m USD (from netDebt column, last quarter)
Enterprise Value = 8.15b USD (7.76b + Debt 2.29b - CCE 1.89b)
Interest Coverage Ratio = 0.64 (Ebit TTM 506.9m / Interest Expense TTM 794.2m)
FCF Yield = 6.23% (FCF TTM 507.7m / Enterprise Value 8.15b)
FCF Margin = 19.04% (FCF TTM 507.7m / Revenue TTM 2.67b)
Net Margin = 19.89% (Net Income TTM 530.4m / Revenue TTM 2.67b)
Gross Margin = 41.66% ((Revenue TTM 2.67b - Cost of Revenue TTM 1.56b) / Revenue TTM)
Gross Margin QoQ = 60.79% (prev 60.69%)
Tobins Q-Ratio = 0.15 (Enterprise Value 8.15b / Total Assets 53.28b)
Interest Expense / Debt = 12.29% (Interest Expense 280.9m / Debt 2.29b)
Taxrate = 21.28% (35.1m / 165.0m)
NOPAT = 399.0m (EBIT 506.9m * (1 - 21.28%))
Current Ratio = 0.14 (Total Current Assets 6.31b / Total Current Liabilities 44.88b)
Debt / Equity = 0.38 (Debt 2.29b / totalStockholderEquity, last quarter 6.08b)
Debt / EBITDA = 0.51 (Net Debt 396.0m / EBITDA 780.6m)
Debt / FCF = 0.78 (Net Debt 396.0m / FCF TTM 507.7m)
Total Stockholder Equity = 5.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 530.4m / Total Assets 53.28b)
RoE = 9.11% (Net Income TTM 530.4m / Total Stockholder Equity 5.82b)
RoCE = 7.09% (EBIT 506.9m / Capital Employed (Equity 5.82b + L.T.Debt 1.33b))
RoIC = 5.36% (NOPAT 399.0m / Invested Capital 7.45b)
WACC = 10.09% (E(7.76b)/V(10.04b) * Re(10.21%) + D(2.29b)/V(10.04b) * Rd(12.29%) * (1-Tc(0.21)))
Discount Rate = 10.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.73%
[DCF Debug] Terminal Value 66.12% ; FCFE base≈568.0m ; Y1≈452.5m ; Y5≈304.6m
Fair Price DCF = 21.73 (DCF Value 4.05b / Shares Outstanding 186.3m; 5y FCF grow -24.33% → 3.0% )
EPS Correlation: 58.54 | EPS CAGR: 113.2% | SUE: 0.54 | # QB: 0
Revenue Correlation: 34.00 | Revenue CAGR: 20.67% | SUE: 0.38 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.81 | Chg30d=-0.027 | Revisions Net=-6 | Analysts=8
EPS next Year (2026-12-31): EPS=3.45 | Chg30d=-0.064 | Revisions Net=-5 | Growth EPS=+13.9% | Growth Revenue=+10.4%
Additional Sources for CADE Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle