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Upturn AI SWOT - About
CADE 
Cadence Bancorp (CADE)
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Upturn Advisory Summary
04/01/2025: CADE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -18.04% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.58B USD | Price to earnings Ratio 48.27 | 1Y Target Price 40.55 |
Price to earnings Ratio 48.27 | 1Y Target Price 40.55 | ||
Volume (30-day avg) 1262033 | Beta 0.98 | 52 Weeks Range 25.30 - 39.55 | Updated Date 04/2/2025 |
52 Weeks Range 25.30 - 39.55 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.62% | Basic EPS (TTM) 0.63 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.41% | Operating Margin (TTM) 41.7% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 9.75% |
Valuation
Trailing PE 48.27 | Forward PE 10.67 | Enterprise Value 4314787840 | Price to Sales(TTM) 3.24 |
Enterprise Value 4314787840 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 6.94 | Enterprise Value to EBITDA - | Shares Outstanding 183524992 | Shares Floating 181213020 |
Shares Outstanding 183524992 | Shares Floating 181213020 | ||
Percent Insiders 0.02 | Percent Institutions 86.28 |
Analyst Ratings
Rating 3.82 | Target Price 41.05 | Buy 3 | Strong Buy 3 |
Buy 3 | Strong Buy 3 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Cadence Bancorp
Company Overview
History and Background
Cadence Bancorp, now part of the merged entity Cadence Bank (CDNS), was founded in 2009. It grew through acquisitions and organic expansion, focusing on commercial and retail banking in the Southeast and Texas. A significant milestone was its IPO in 2017 and its eventual merger with BancorpSouth Bank in 2021 to form Cadence Bank.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and other financial services to businesses of all sizes.
- Retail Banking: Provides deposit accounts, loans, and other services to individuals and families.
- Wealth Management: Offers investment advisory, trust, and estate planning services to high-net-worth individuals.
Leadership and Structure
The leadership team now falls under Cadence Bank (CDNS). Previously, Sam Tortorici was the CEO. The organizational structure is a typical bank holding company model with various business lines reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and other purposes. Difficult to quantify precise market share due to diverse lending markets and lack of specific Cadence Bancorp data before the merger. Competitors include regional and national banks like Regions Financial, Truist, and Bank of America.
- Treasury Management Services: Services that help businesses manage their cash flow, including online banking, payment processing, and fraud prevention. Market share also hard to pin down. Competitors include regional and national banks.
- Retail Deposits: Checking and savings accounts, CDs, and other deposit products. Competitors: All banks. Market Share is in line with assets of similary sized banks.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations, economic growth, and credit quality are also significant factors.
Positioning
Cadence Bancorp aimed to be a leading regional bank with a strong focus on customer service and community involvement. Competitive advantages included local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market is vast and encompasses all banking services in the regions Cadence operated. Their positioning aimed to capture a significant share within their geographic footprint through relationship banking.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid capital base
- Presence in high-growth markets
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on specific industries
- Potential integration issues (prior to CDNS merger)
Opportunities
- Expansion into new markets
- Increased focus on digital banking
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from national banks
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RF
- TRST
- BAC
Competitive Landscape
Cadence Bancorp, as part of Cadence Bank, competes with larger national and regional banks. Its competitive advantages included strong customer relationships and local market knowledge.
Major Acquisitions
State Bank and Trust Company
- Year: 2019
- Acquisition Price (USD millions): 1400
- Strategic Rationale: Expanded Cadence Bancorp's presence in the Atlanta market and added a significant wealth management business.
Growth Trajectory and Initiatives
Historical Growth: Cadence Bancorp grew through acquisitions and organic expansion prior to its merger. Growth was focused on commercial banking and targeted geographic markets.
Future Projections: Refer to Cadence Bank (CDNS) analyst estimates for future growth projections.
Recent Initiatives: N/A
Summary
Cadence Bancorp, prior to merging with BancorpSouth Bank to form Cadence Bank (CDNS), was a growing regional bank with a focus on commercial banking and targeted geographic markets. Its strengths were strong customer relationships, and its solid capital base. Potential challenges included limited geographic diversification. Now that the company is Cadence Bank (CDNS), it must focus on the successful integration and growth as a combined entity.
Similar Companies
CADE
Cadence Bancorp
CADE
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FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
HBAN
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HBAN
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RF
Regions Financial Corporation
RF
Regions Financial Corporation
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
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 5335 | Website https://cadencebank.com |
Full time employees 5335 | 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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