ScoreWhy is Cadence Bank ?
1
High Profitability with a Net Interest Margin of 14.03%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 19.57%
3
The company has declared Positive results for the last 4 consecutive quarters
- ROCE(HY) Highest at 1.09%
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 378.14 MM
4
With ROA of 0.73%, it has a fair valuation with a 0.99 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 11.54%, its profits have risen by 604.7% ; the PEG ratio of the company is 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Cadence Bank should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Cadence Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Cadence Bank
11.75%
1.58
32.63%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.55%
EBIT Growth (5y)
13.15%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.10%
Pledged Shares
0
Institutional Holding
91.45%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.99
EV to EBIT
7.56
EV to EBITDA
6.09
EV to Capital Employed
0.98
EV to Sales
1.86
PEG Ratio
0.02
Dividend Yield
1.19%
ROCE (Latest)
13.00%
ROE (Latest)
9.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at 1.09%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 378.14 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 39.72%
PRE-TAX PROFIT(Q)
Highest at USD 182.75 MM
NET PROFIT(Q)
Highest at USD 142.68 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 622.54 MM
ROCE(HY)
Lowest at 1.09%
EPS(Q)
Lowest at USD 0.69
Here's what is working for Cadence Bank
NII
Highest at USD 378.14 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Pre-Tax Profit
Highest at USD 182.75 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 142.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend Payout Ratio
Highest at 39.72%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
At USD 37.58 MM has Grown at 51.33%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Cadence Bank
Operating Cash Flow
Lowest at USD 622.54 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
EPS
Lowest at USD 0.69
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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