Cadence Bank

Chart & Performance

D1W1MN

P/E

10.87

P/S

3.31

EPS

2.87

Div Yield, %

2.41%

Shrs. gr., 5y

12.76%

Rev. gr., 5y

13.09%

Revenues

1.72b

+39.41%

Net income

524m

-3.45%

CFO

857m

+54.10%

Dividend

Sep 13, 20240.25 USD/sh

Earnings

Jul 21, 2025

Profile

BancorpSouth Bank provides commercial banking and financial services to individuals and small-to-medium size businesses. The company operates through Banking Services Group, Mortgage, Insurance Agencies, Wealth Management, and General Corporate and Other segments. It offers various deposit products, including interest and noninterest bearing demand deposits, and saving and other time deposits. The company also provides commercial loans, including term loans, lines of credit, equipment and receivable financing, and agricultural loans; a range of short-to-medium term secured and unsecured commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery; and construction loans to real estate developers for the acquisition, development, and construction of residential subdivisions. In addition, it offers fixed and adjustable rate residential mortgage loans secured by owner-occupied property; residential construction loans; second mortgage loans; and home equity lines of credit, as well as non-residential consumer loans that consist of automobile, recreation vehicle, boat, personal, and deposit account secured loans, as well as issues credit cards. Further, the company operates as an agent for the sale of commercial lines of insurance; and offers a line of property and casualty, life, health, and employee benefits products and services. Additionally, it provides credit related products, trust and investment management, asset management, retirement and savings solutions, and estate planning and annuity products. It operates in Alabama, Arkansas, Florida, Louisiana, Mississippi, Missouri, Tennessee, Texas, and Illinois. The company was formerly known as BancorpSouth, Inc. and changed its name to BancorpSouth Bank in October 2017. BancorpSouth Bank was founded in 1876 and is headquartered in Tupelo, Mississippi.

URL

https://cadencebank.com/

IPO date

Oct 15, 1985

Employees

4,770

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	1,721,725 39.41%	1,235,013 -33.04%	1,844,335 55.79%
Cost of revenue	671,341	748,670	805,489
Unusual Expense (Income)
NOPBT	1,050,384	486,343	1,038,846
NOPBT Margin	61.01%	39.38%	56.33%
Operating Taxes	152,593	(4,594)	136,138
Tax Rate	14.53%		13.10%
NOPAT	897,791	490,937	902,708
Net income	523,604 -3.45%	542,304 17.07%	463,237 137.36%
Dividends	(192,127)	(181,279)	(170,265)
Dividend yield	3.00%	3.35%	3.74%
Proceeds from repurchase of equity	(56,570)	(2,410)	(183,584)
BB yield	0.88%	0.04%	4.04%
Debt
Debt current		3,500,000	3,100,231
Long-term debt	10,706	613,164	663,554
Deferred revenue
Other long-term liabilities	41,438,801	9,598,644	2,637,677
Net debt	(1,659,970)	(8,194,577)	(22,122,559)
Cash flow
Cash from operating activities	856,662	555,898	923,046
CAPEX	(80,074)	(98,283)	(94,499)
Cash from investing activities	(782,158)	2,396,048	(1,710,683)
Cash from financing activities	(2,575,193)	(715,440)	1,491,110
FCF	916,468	5,604,617	(4,226,679)
Balance
Cash	1,670,676	4,232,265	13,942,248
Long term investments		8,075,476	11,944,096
Excess cash	1,584,590	12,245,990	25,794,127
Stockholders' equity	2,826,770	2,424,777	1,601,983
Invested Capital	45,434,600	46,509,733	50,151,662
ROIC	1.95%	1.02%	2.21%
ROCE	2.23%	0.99%	2.01%
EV
Common stock shares outstanding	185,593	182,609	184,498
Price	34.45 16.42%	29.59 19.99%	24.66 -17.22%
Market cap	6,393,671 18.33%	5,403,400 18.76%	4,549,721 26.57%
EV	4,900,694	(2,624,184)	(17,405,845)
EBITDA	1,252,950	724,950	1,294,667
EV/EBITDA	3.91
Interest		958,811	209,290
Interest/NOPBT		197.15%	20.15%