CADE - NYSE

Cadence Bank

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$7.87B
EPS0.0000
P/E Ratio—
Earnings Date04/20/2026
3.00B
Revenue
3%
3Y+58.0%
5Y+164.0%
10Y+296.0%
544.46M
Net Income
4%
3Y+18.0%
5Y+139.0%
10Y+310.0%
856.66M
Operating Cash Flow
52%
3Y-27.0%
5Y+258.0%
10Y+543.0%
Cadence Bank

Cadence Bank Profit Bridge

CADE · NYSE
Revenue3.00B
Cost of Goods Sold (0.00)
Gross Profit0.00
Operating Expenses (0.00)
Operating Income743.73M
Interest Expense (0.00)
Other Income/Expense-48.02M
Pretax Income695.71M
Income Tax (151.24M)
Net Income544.46M
Net Income
544.46M

Profitability Analysis

Gross Margin

0.0%

Thin margins leave little room for error. Cost management and pricing strategy are critical.

Operating Margin

24.8%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.1%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

21.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Efficient profit conversion: Minimal margin compression from gross to net indicates lean operations and favorable tax/interest environment.

Cadence Bank Income Statement

CADE • NYSE

Cadence Bank Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
Revenue
3B
2.9B
2.2B
1.9B
1.1B
1.1B
1.1B
935.5M
781M
758.1M
738.7M
719.4M
724.6M
766.6M
808.7M
846.9M
890.7M
951M
1B
888M
GROSS PROFIT
Cost of Revenue
(0.0)
(1.2B)
(1B)
(216.3M)
(214.4M)
(197.6M)
(126.6M)
(82.8M)
(42M)
(33.7M)
(15.7M)
(33.6M)
(58.1M)
(99.8M)
(233M)
(345.6M)
(287.8M)
(320.8M)
(401M)
(304.7M)
Gross Profit
0.0
1.7B
1.2B
1.7B
910.6M
938.4M
929.1M
852.8M
739.1M
724.4M
723.1M
685.8M
666.5M
666.7M
575.7M
501.3M
602.9M
630.3M
632M
583.3M
OPERATING INCOME
Operating Expenses
(0.0)
(1B)
(1.2B)
(1.1B)
(685.8M)
(650.9M)
(629.6M)
(587.6M)
(507.4M)
(527.9M)
(536.3M)
(518.4M)
(534.8M)
(549.2M)
(533.6M)
(487M)
(490M)
(455.9M)
(428.1M)
(393.2M)
Selling, General & Administrative
(0.0)
(671.3M)
(735.1M)
(694.6M)
(393.1M)
(431.4M)
(465.6M)
(429M)
(376M)
(375M)
(370.1M)
(358.9M)
(357.3M)
(349.1M)
(332.2M)
(315.8M)
(298.4M)
(274.4M)
(255.3M)
(234.6M)
Operating Income
743.7M
676.2M
-910K
577M
224.7M
287.5M
299.5M
265.1M
231.6M
196.4M
186.7M
167.4M
131.7M
117.5M
42M
14.2M
112.8M
174.4M
203.9M
190.2M
PRE-TAX INCOME
Interest Expense
(0.0)
(1.1B)
(958.8M)
(209.3M)
(76.3M)
(108.5M)
(125.1M)
(78.3M)
(39M)
(29.7M)
(28.7M)
(33.6M)
(50.6M)
(71.8M)
(102.9M)
(141.6M)
(170.5M)
(264.6M)
(378.3M)
(296.1M)
Net Interest Income
0.0
1.4B
1.4B
1.4B
805.7M
691M
649.9M
575.2M
474M
453.5M
435.7M
416.7M
398.9M
414.6M
434.9M
441.1M
444.9M
440.8M
422.9M
385.8M
Other Expenses
(0.0)
(374.2M)
(420.8M)
(415.1M)
(292.7M)
(219.4M)
(164.1M)
(158.6M)
(131.4M)
(152.9M)
(166.2M)
(159.5M)
(177.5M)
(200.1M)
(201.4M)
(171.2M)
(191.6M)
(181.5M)
(172.7M)
(158.6M)
Total Other Income Expenses Net
-48M
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
Income Before Tax
695.7M
676.2M
-910K
577M
224.7M
287.5M
299.5M
265.1M
231.6M
196.4M
186.7M
167.4M
131.7M
117.5M
42M
14.2M
112.8M
174.4M
203.9M
190.2M
NET INCOME
Income Tax Expense
(151.2M)
(152.6M)
-4.6M
(129.7M)
(46M)
(59.5M)
(65.3M)
(43.8M)
(78.6M)
(63.7M)
(59.2M)
(50.7M)
(37.6M)
(33.3M)
(4.5M)
-8.7M
(30.1M)
(53.9M)
(66M)
(65M)
Net Income
544.5M
523.6M
542.3M
463.2M
195.2M
228.1M
234.3M
221.3M
153M
132.7M
127.5M
116.8M
94.1M
84.3M
37.6M
22.9M
82.7M
120.4M
137.9M
125.2M

SEC Filings

CADE - Filing history and reports

No SEC filings available for CADE

Related Guides

Blog Categories

Continue your CADE research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens
1

Snapshot

Start with context, operating signals, and key market metrics.

2

Value Model

Stress test fair value across bear, base, and bull assumptions.

3

Statements

Validate revenue quality, margins, and balance sheet durability.

4

Earnings Call

Read management commentary and compare it with reported outcomes.

5

Dividends

Check payout sustainability and long-term distribution behavior.

6

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.