CADE - NYSE

Cadence Bank

CADE·NYSE

$42.25

-1.3%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$7.87B

EPS0.0000

P/E Ratio—

Earnings Date04/20/2026

53.53B

Assets

14%

3Y+10.0%

5Y+122.0%

10Y+264.0%

47.29B

Total Liabilities

14%

3Y+7.0%

5Y+122.0%

10Y+264.0%

6.24B

Total Equity

12%

3Y+45.0%

5Y+121.0%

10Y+262.0%

Cadence Bank Funding & Solvency Profile

CADE · NYSE

Current Assets

Cash & Cash Equivalents0.00

Net Receivables0.00

Inventory0.00

Other Current Assets2.23B

Total Current Assets2 B

Non-Current Assets

Property, Plant & Equipment846.62M

Goodwill & Intangible Assets1.66B

Long-Term Investments0.00

Other Non-Current Assets-2.50B

Total Non-Current Assets-1655772000

Total Assets

53.53B

Financial Health Analysis

Current Ratio

0.07x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.57x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-29581541000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Cadence Bank Balance Sheet

CADE • NYSE

Cadence Bank Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	0.0	1.7B	4.2B	2B	1.3B	417.4M	333M	332.4M	220.7M	223M	198M	357.3M	528.4M	1.2B	499.3M	272.1M	238.4M	304.6M	335.6M	451.5M
Short-Term Investments	0.0	7.3B	8.1B	11.9B	15.6B	6.2B	4.5B	2.7B	2.8B	2.5B	2.1B	2.2B	2.5B	2.4B	2.5B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	0.0	9B	12.3B	13.9B	16.9B	6.6B	4.8B	3.1B	3B	2.8B	2.3B	2.5B	3B	3.6B	3B	272.1M	238.4M	304.6M	335.6M	451.5M
Net Receivables	0.0	0.0	0.0	0.0	0.0	106.3M	65.2M	57.1M	45.7M	42M	40.9M	42M	42.2M	44.4M	51.3M	61M	68.7M	79.2M	96M	89.1M
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	106.3M	65.2M	57.1M	45.7M	42M	40.9M	42M	42.2M	44.4M	51.3M	61M	68.7M	79.2M	96M	89.1M
Other Current Assets	2.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	2.2B	9B	12.3B	13.9B	16.9B	6.8B	4.9B	3.1B	3.1B	2.8B	2.3B	2.6B	3B	3.7B	3.1B	333.1M	307.1M	383.8M	431.7M	540.5M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	846.6M	783.5M	802.1M	792.2M	786.4M	508.1M	480.9M	361.9M	314.4M	305.6M	308.1M	304.9M	315.3M	319.5M	323.4M	332.9M	343.9M	351.2M	317.4M	287.2M
Goodwill	1.5B	1.4B	1.4B	1.4B	1.4B	851.6M	825.7M	695.7M	300.8M	300.8M	291.5M	291.5M	286.8M	275.2M	271.3M	270.1M	270.1M	269M	254.9M	0.0
Intangible Assets	141.5M	83.2M	100.2M	119.6M	198.3M	55.9M	60M	50.9M	17.9M	21.9M	20.5M	24.5M	26.1M	17.3M	0.0	0.0	0.0	0.0	0.0	143.7M
Goodwill & Intangible Assets	1.7B	1.5B	1.5B	1.5B	1.6B	907.5M	885.7M	746.6M	318.7M	322.7M	312M	316M	312.9M	292.5M	271.3M	270.1M	270.1M	269M	254.9M	143.7M
Long-Term Investments	0.0	33.5B	32.2B	30.3B	26.8B	15.2B	14.2B	13.1B	11.1B	10.9B	10.4B	9.7B	8.9B	8.6B	8.8B	11.9B	11.7B	12.1B	11.8B	10.6B
Other Non-Current Assets	-2.5B	2.2B	2.1B	2.2B	1.6B	735.7M	624.9M	622M	525.7M	444.3M	453.1M	437.8M	489.7M	501.6M	578.4M	739.9M	573.8M	412.2M	365.8M	441.7M
Total Non-Current Assets	0.0	38B	36.6B	34.7B	30.8B	17.3B	16.2B	14.9B	12.2B	11.9B	11.5B	10.8B	10B	9.7B	9.9B	13.3B	12.9B	13.1B	12.8B	11.5B
Other Assets	51.3B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	53.5B	47B	48.9B	48.7B	47.7B	24.1B	21.1B	18B	15.3B	14.7B	13.8B	13.3B	13B	13.4B	13B	13.6B	13.2B	13.5B	13.2B	12B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	10.9M	15.1M	8.5M	4.9M	4M	3.1M	3.4M	4.8M	6.1M	8.6M	14.3M	19.6M	20.8M	37.7M	36.3M
Accounts Payable	0.0	0.0	0.0	0.0	0.0	10.9M	15.1M	8.5M	4.9M	4M	3.1M	3.4M	4.8M	6.1M	8.6M	14.3M	19.6M	20.8M	37.7M	36.3M
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.8M	0.0	0.0	0.0	0.0	0.0	0.0	36.3M
Short Term Debt	1.2B	23.6M	4B	4B	1.3B	637.7M	1.2B	1.5B	2.5B	546M	467.9M	391.7M	421M	414.6M	376.9M	443.3M	743.4M	1.9B	1.5B	872.4M
Other Current Liabilities	30.6B	40.5B	38.5B	39B	39.8B	19.8B	16.4B	14.1B	11.9B	11.7B	11.3B	11B	10.8B	11.1B	11B	11.5B	10.7B	9.7B	10.1B	9.7B
Total Current Liabilities	31.8B	40.5B	42.4B	43B	41.1B	20.5B	17.7B	15.6B	14.4B	12.2B	11.8B	11.4B	11.2B	11.5B	11.3B	11.9B	11.4B	11.6B	11.6B	10.7B
NON-CURRENT LIABILITIES
Long Term Debt	940.6M	10.7M	438.5M	462.6M	482.4M	301.7M	301.6M	6.2M	30M	542.9M	93M	101.3M	113.2M	193.8M	193.8M	270.3M	273.1M	446.6M	249.3M	280.6M
Other Non-Current Liabilities	-940.6M	919M	879.6M	913.9M	839.5M	462M	401.7M	200.1M	-833.3M	219.5M	248.1M	251.6M	198.9M	245.4M	198.4M	174.8M	177.8M	163.8M	125.6M	77.8M
Total Non-Current Liabilities	0.0	929.7M	1.3B	1.4B	1.3B	763.7M	703.3M	206.3M	-803.3M	762.4M	341M	352.9M	312.1M	439.2M	392.2M	445.1M	450.9M	610.5M	374.9M	358.4M
Other Liabilities	15.5B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	64M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	47.3B	41.4B	43.8B	44.3B	42.4B	21.3B	18.4B	15.8B	13.6B	13B	12.1B	11.7B	11.5B	11.9B	11.7B	12.4B	11.9B	12.2B	12B	11B
SHAREHOLDERS' EQUITY
Preferred Stock	167M	167M	167M	167M	167M	167M	167M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	466.6M	458.8M	457.2M	456.1M	470.8M	256.4M	261.3M	249.5M	225.8M	234.2M	235.4M	240.6M	238.1M	236.1M	208.7M	208.7M	208.6M	207.8M	205.7M	197.8M
Additional Paid-In Capital	2.8B	2.7B	2.7B	2.7B	2.8B	565.2M	606M	484.5M	177.6M	271.3M	282.9M	324.3M	312.9M	311.9M	227.6M	225M	222.5M	215.3M	198.6M	113.7M
Retained Earnings	3.2B	2.9B	2.6B	2.2B	1.9B	1.8B	1.7B	1.6B	1.4B	1.3B	1.2B	1.1B	992.1M	909.4M	828.9M	803M	853.5M	844.1M	799.5M	739.8M
Accumulated Other Comprehensive Income/Loss	-428.3M	-694.5M	-761.8M	-1.2B	-139.4M	11.9M	-62.7M	-80.5M	-63.8M	-50.9M	-41.8M	-43.7M	-30M	-8.6M	-2.3M	-14.5M	-8.4M	-26.9M	-7.2M	-24.7M
Total Stockholders' Equity	6.2B	5.6B	5.2B	4.3B	5.2B	2.8B	2.7B	2.2B	1.7B	1.7B	1.7B	1.6B	1.5B	1.4B	1.3B	1.2B	1.3B	1.2B	1.2B	1B
Total Equity	6.2B	5.6B	5.2B	4.3B	5.2B	2.8B	2.7B	2.2B	1.7B	1.7B	1.7B	1.6B	1.5B	1.4B	1.3B	1.2B	1.3B	1.2B	1.2B	1B
SUMMARY
Total Liabilities & Equity	53.5B	47B	48.9B	48.7B	47.7B	24.1B	21.1B	18B	15.3B	14.7B	13.8B	13.3B	13B	13.4B	13B	13.6B	13.2B	13.5B	13.2B	12B
Total Investments	0.0	40.8B	40.3B	42.2B	42.4B	21.4B	18.7B	15.9B	13.9B	13.4B	12.5B	11.9B	11.3B	11B	11.3B	11.9B	11.7B	12.1B	11.8B	10.6B
Total Debt	2.2B	34.3M	4.4B	4.5B	1.8B	939.4M	1.5B	1.5B	2.5B	1.1B	560.9M	493M	534.2M	608.4M	570.7M	713.6M	1B	2.3B	1.8B	1.2B
Net Debt	2.2B	-1.7B	157.7M	2.5B	469.9M	522M	1.2B	1.2B	2.3B	865.9M	362.9M	135.8M	5.8M	-595.2M	71.4M	441.5M	778M	2B	1.4B	701.5M
Shares Outstanding	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189	184,646,189

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