Cadence Bank Financial Ratios — CADE-PA Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	2.21	3.67	7.72	7.92	9.14	9.31	9.1	9.86	13.01	12.41	10.79	8.33	18.02	18.77	16.13
Return on Assets (%)	0.17	0.28	0.64	0.71	0.89	0.94	0.93	1.02	1.33	1.2	1.01	0.54	0.96	1.11	1.09
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.77	4.56	4.45	4.38	4.62	4.26	4.02	4.06	4.03	4.63	7.31	16.78	15.1	19.32	11.3
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	2.02	5.96	16.92	19.53	24.41	26.3	26.97	31.21	30.93	32.18	27.99	21.43	34.07	-0.07	37.72
Profit Margin (%)	3.25	5.32	12.13	13.96	17.02	17.96	18.22	20.62	25.82	25.17	22.2	18.61	27.35	43.91	29.21
Net Income to Common Margin (%)	3.25	5.32	12.13	13.96	17.02	17.96	18.22	20.62	25.82	25.17	21.27	17.71	26.79	43.14	28.68
Effective Tax Rate (%)	- -	10.64	28.29	28.52	30.26	31.73	32.43	33.93	16.52	21.79	20.69	20.45	22.48	- -	22.57
Dvd Payout Ratio (%)	320.19	31.11	4.48	12.09	20.54	26.17	31.88	31.6	27.81	31.06	34.98	58.64	36.72	-2,959.87	35.52
Sustainable Growth Rate (%)	-4.87	2.53	7.38	6.96	7.26	6.87	6.2	6.75	9.39	8.55	7.01	3.45	11.4	574.36	10.4

Credit (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	273	195	194	113	105	155	635	1,055	6	302	302	482	3,563	3,938	11
ST Debt	3	2	- -	- -	4	62	92	1,025	- -	- -	- -	- -	3,100	3,500	- -
LT Debt	270	194	194	113	101	93	543	30	6	302	302	482	463	438	11
Total Debt/EBITDA	8.11	6.06	6.26	3.83	3.31	5.12	21.69	35.03	0.18	7	4.02	2.74	13.93	16.51	0.05
Net Debt/EBITDA	0.03	-9.44	-32.64	-14.07	-7.96	-1.42	14.08	27.7	-9.44	-0.73	-1.54	-4.62	6.13	-1.23	-8.5
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.43	7.98	8.55	9.44	9.95	10.25	10.21	10.46	10.01	9.38	8.63	4.99	5.46	6.17	7.13
Long-Term Debt/Equity (%)	22.12	15.35	13.38	7.48	6.31	5.62	31.49	1.75	0.28	11.23	10.69	9.19	10.73	8.48	0.19
Long-Term Debt/Capital (%)	21.04	15.72	14.47	8.42	7.09	5.92	25.39	1.13	0.34	12.34	11.84	15.93	7.24	6.15	0.3
Long-Term Debt/Total Assets (%)	1.99	1.49	1.45	0.87	0.76	0.67	3.69	0.2	0.03	1.43	1.25	1.01	0.95	0.9	0.02
Total Debt/Equity (%)	22.34	15.47	13.38	7.48	6.53	9.36	36.83	61.57	0.28	11.23	10.69	9.19	82.64	76.21	0.19
Total Debt/Capital (%)	21.25	15.84	14.47	8.42	7.33	9.88	29.69	39.74	0.34	12.34	11.84	15.93	55.78	55.28	0.3
Total Debt/Total Assets (%)	2.01	1.5	1.45	0.87	0.79	1.12	4.31	6.9	0.03	1.43	1.25	1.01	7.32	8.05	0.02
Net Debt to Equity	0.08	-24.07	-69.69	-27.44	-15.72	-2.6	23.9	48.69	-14.79	-1.17	-4.1	-15.48	36.35	-5.69	-30.9
Net Debt/Capital (%)	0.09	-41.45	-742.57	-50.96	-23.52	-3.14	21.51	34.28	-22.11	-1.49	-5.43	-46.87	35.68	-10.16	-95.58
EBITDA	34	32	31	30	32	30	29	30	35	43	75	176	256	239	203
EBITDA-CapEx	14	12	6	4	15	- -	4	-6	-5	-12	9	104	161	140	122
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.43	7.98	8.55	9.44	9.95	10.25	10.21	10.46	10.01	9.38	8.63	4.99	5.46	6.17	7.13
Long-Term Debt/Equity (%)	22.12	15.35	13.38	7.48	6.31	5.62	31.49	1.75	0.28	11.23	10.69	9.19	10.73	8.48	0.19
Long-Term Debt/Capital (%)	21.04	15.72	14.47	8.42	7.09	5.92	25.39	1.13	0.34	12.34	11.84	15.93	7.24	6.15	0.3
Long-Term Debt/Total Assets (%)	1.99	1.49	1.45	0.87	0.76	0.67	3.69	0.2	0.03	1.43	1.25	1.01	0.95	0.9	0.02
Total Debt/Equity (%)	22.34	15.47	13.38	7.48	6.53	9.36	36.83	61.57	0.28	11.23	10.69	9.19	82.64	76.21	0.19
Total Debt/Capital (%)	21.25	15.84	14.47	8.42	7.33	9.88	29.69	39.74	0.34	12.34	11.84	15.93	55.78	55.28	0.3
Total Debt/Total Assets (%)	2.01	1.5	1.45	0.87	0.79	1.12	4.31	6.9	0.03	1.43	1.25	1.01	7.32	8.05	0.02
CFO/Total Liabilities	1.81	2.35	1.34	1.77	1.21	1.1	1.1	1.33	1.41	1.3	1.05	2.76	2.09	1.29	2.07
CFO/CapEx	11.42	13.49	6.51	8	8.26	4.38	5.72	5.06	5.65	4.36	3.38	16.23	9.82	5.73	10.7
Altman's Z-Score	0.14	0.15	0.15	0.16	0.17	0.18	0.17	0.18	0.18	0.17	0.15	0.08	0.1	0.1	0.13

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	10.88	12.57	14.53	15.58	16.3	17.13	17.57	16.93	16.69	15.23	11.98	19.73	- -	- -	- -
Days Sales Outstanding	33.55	29.04	25.12	23.42	22.39	21.3	20.77	21.56	21.87	23.97	30.46	18.5	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	272	499	1,204	528	357	198	223	221	332	333	417	1,295	1,996	4,232	1,732
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	167	167	167	167	167	167
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	273	195	194	113	105	155	635	1,055	6	302	302	482	3,563	3,938	11
Enterprise Value	1	-2,818	-3,444	-2,882	-2,409	-2,125	-2,120	-1,964	-3,075	-4,346	-6,180	-16,252	-10,210	-8,202	-8,848
Total Capital	1,285	1,233	1,340	1,343	1,430	1,569	2,138	2,655	1,808	2,443	2,547	3,028	6,387	7,125	3,532
Total Debt/Capital (%)	21.25	15.84	14.47	8.42	7.33	9.88	29.69	39.74	0.34	12.34	11.84	15.93	55.78	55.28	0.3
Total Debt / EV	286.5	-0.07	-0.06	-0.04	-0.04	-0.07	-0.3	-0.54	- -	-0.07	-0.05	-0.03	-0.35	-0.48	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	0.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	1	-304	-1,010	-415	-252	-43	412	834	-326	136	51	-645	1,734	-127	-1,554
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	705	706	695	674	686	710	728	742	857	931	1,027	1,049	1,694	1,235	1,793
TTM EBITDA	34	32	31	30	32	30	29	30	35	43	75	176	256	239	203
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	224	276	161	204	142	133	143	181	223	240	223	1,173	928	564	857
TTM Free Cash Flow to Firm	244	297	185	229	159	164	169	217	263	295	289	1,245	1,022	662	937

Multiples (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1	-2,818	-3,444	-2,882	-2,409	-2,125	-2,120	-1,964	-3,075	-4,346	-6,180	-16,252	-10,210	-8,202	-8,848
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.43	16.82	25.2	18.84	16.14	18.83
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	0.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	- -	- -	- -	- -	- -	0.57	1.12	- -	0.15	0.05	- -	1.02	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	0.57	1.12	- -	0.15	0.05	- -	1.02	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	0.57	1.12	- -	0.15	0.05	- -	1.02	- -	- -
EV/EBITDA Average	0.03	-9.44	-32.64	-14.07	-7.96	-1.42	14.08	27.7	-9.44	3.15	0.68	-3.67	6.78	-0.53	-7.67
EV/EBITDA High	0.03	-9.44	-32.64	-14.07	-7.96	-1.42	14.08	27.7	-9.44	3.15	0.68	-3.67	6.78	-0.53	-7.67
EV/EBITDA Low	0.03	-9.44	-32.64	-14.07	-7.96	-1.42	14.08	27.7	-9.44	3.15	0.68	-3.67	6.78	-0.53	-7.67
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.47	26.58	26.25	19.45	19.4	20.4
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.65	26.74	27.68	26.74	22.99	23.49
Enterprise Value Average	1	-304	-1,010	-415	-252	-43	412	834	-326	136	51	-645	1,734	-127	-1,554
Enterprise Value High	1	-304	-1,010	-415	-252	-43	412	834	-326	136	51	-645	1,734	-127	-1,554
Enterprise Value Low	1	-304	-1,010	-415	-252	-43	412	834	-326	136	51	-645	1,734	-127	-1,554

Shares Outstanding	83	83	95	95	96	94	94	90	100	105	103	188	182	183	184
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cadence Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)