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Earnings transcript
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CADE
Cadence Bank
$42.11
-0.71
(-1.66%)
| Exchange: | NYSE |
| Market Cap: | 7.845B |
| Shares Outstanding: | 17.045M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | James D. Rollins | |||||
| Full Time Employees: | 5356 | |||||
| Address: |
| |||||
| Website: | https://cadencebank.com |
Cadence Bank provides commercial banking and financial services in the United States. 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. As of March 3, 2022, it operated approximately 400 branch locations across the South, Midwest, and Texas. The company was incorporated in 1876 and is headquartered in Tupelo, Mississippi.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,193,824 | 2,903,867 | 2,904,758 |
| Gross Profit | 1,155,013 | 1,721,725 | 1,759,213 |
| EBITDA | 237,697 | 878,763 | 695,706 |
| Operating Income | -910 | 676,197 | 695,706 |
| Net Income | 542,304 | 523,604 | 544,464 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 48,934,510 | 47,019,190 | 53,529,044 |
| Total Liabilities | 43,766,667 | 41,449,507 | 47,285,383 |
| Total Stockholders Equity | 5,167,843 | 5,569,683 | 6,243,661 |
| Total Debt | 4,389,976 | 34,322 | 2,190,473 |
| Cash and Cash Equivalents | 4,232,265 | 1,731,576 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Operating Cash Flow | 927,915 | 563,506 | 856,662 |
| Capital Expenditure | -94,499 | -98,283 | -80,074 |
| Free Cash Flow | 833,416 | 465,223 | 776,588 |
| Net Income | 463,237 | 542,304 | 523,604 |
| Net Change in Cash | 703,473 | 2,236,506 | -2,500,689 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,274,242.603 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,297,499.078 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,284,142.360 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 656,925.574 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 663,643.315 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 659,785.165 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 696,491.794 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 736,564.594 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 703,575 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 706,086.350 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 713,306.811 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 709,159.938 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.840 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.920 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.700 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Cadence Bank reported strong financial results in the Q2 2025 earnings call, with key metrics such as revenue and net income reflecting positive growth. The bank's operating cash flow and free cash flow also demonstrate healthy liquidity and operational efficiency, supporting sustained profitability.
- Strategic Growth Initiatives: The earnings call highlighted successful organic growth and contributions from recent acquisitions, positioning the bank for continued expansion through 2025 and into 2026. This strategic focus enhances market presence and revenue diversification.
- Solid Profitability Metrics: The gross profit margin and net profit margin (TTM) indicate efficient cost management and profitability compared to industry benchmarks, providing a competitive edge within the banking sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CADE intrinsic value between $43.00 – $61.57 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CADE valuation
Is Cadence Bank (CADE) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Cadence Bank (CADE) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CADE a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CADE trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CADE’s P/E ratio?
You can see CADE’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CADE?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CADE a good long-term investment?
Whether CADE fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CADE
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-1.66
Trading Metrics:
| Open: | 42.41 | Previous Close: | 42.82 | |
| Day Low: | 42.11 | Day High: | 43.58 | |
| Year Low: | 25.22 | Year High: | 46.74 | |
| Price Avg 50: | 43.01 | Price Avg 200: | 36.9 | |
| Volume: | 80.318M | Average Volume: | 3.974M |
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Login — it's freeCADE full analysis
Welcome to MARKETSNAP’s SWOT analysis for Cadence Bank, a regional banking player that might not be on everyone’s radar but definitely deserves a closer look if you’re building a diversified, long-term portfolio. I’m pumped to dive into this one with you guys today because there’s a lot to unpack—some solid financials, intriguing growth prospects, and, of course, a few red flags we can’t ignore. So, whether you’re a seasoned investor or just looking to grow your wealth over the long…
