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CADE vs HOPE
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
CADE vs HOPE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $7.85B | $1.62B |
| Revenue (TTM) | $2.90B | $968M |
| Net Income (TTM) | $530M | $59M |
| Gross Margin | 59.3% | 48.6% |
| Operating Margin | 23.3% | 8.3% |
| Forward P/E | 12.1x | 11.8x |
| Total Debt | $34M | $396M |
| Cash & Equiv. | $1.73B | $560M |
CADE vs HOPE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | Jan 26 | Return |
|---|---|---|---|
| Cadence Bank (CADE) | 100 | 189.4 | +89.4% |
| Hope Bancorp, Inc. (HOPE) | 100 | 126.2 | +26.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CADE vs HOPE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
CADE carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 32.4%, EPS growth -5.1%
- 120.9% 10Y total return vs HOPE's 18.9%
- NIM 3.1% vs HOPE's 2.5%
HOPE is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 1.10, yield 4.3%
- Lower volatility, beta 1.10, Low D/E 17.3%, current ratio 0.72x
- Beta 1.10, yield 4.3%, current ratio 0.72x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 32.4% NII/revenue growth vs HOPE's -3.2% | |
| Value | Lower P/E (11.8x vs 12.1x) | |
| Quality / Margins | Efficiency ratio 0.4% vs HOPE's 0.4% (lower = leaner) | |
| Stability / Safety | Beta 1.10 vs CADE's 1.41 | |
| Dividends | 2.3% yield, 12-year raise streak, vs HOPE's 4.3% | |
| Momentum (1Y) | +44.9% vs HOPE's +30.6% | |
| Efficiency (ROA) | Efficiency ratio 0.4% vs HOPE's 0.4% |
CADE vs HOPE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
CADE leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CADE is the larger business by revenue, generating $2.9B annually — 3.0x HOPE's $968M. CADE is the more profitable business, keeping 18.0% of every revenue dollar as net income compared to HOPE's 6.0%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $2.9B | $968M |
| EBITDAEarnings before interest/tax | $722M | $84M |
| Net IncomeAfter-tax profit | $530M | $59M |
| Free Cash FlowCash after capex | $508M | $147M |
| Gross MarginGross profit ÷ Revenue | +59.3% | +48.6% |
| Operating MarginEBIT ÷ Revenue | +23.3% | +8.3% |
| Net MarginNet income ÷ Revenue | +18.0% | +6.0% |
| FCF MarginFCF ÷ Revenue | +26.7% | +15.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.9% | +35.0% |
Valuation Metrics
Evenly matched — CADE and HOPE each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 15.2x trailing earnings, CADE trades at a 45% valuation discount to HOPE's 27.5x P/E. On an enterprise value basis, CADE's 7.0x EV/EBITDA is more attractive than HOPE's 17.4x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $7.8B | $1.6B |
| Enterprise ValueMkt cap + debt − cash | $6.1B | $1.5B |
| Trailing P/EPrice ÷ TTM EPS | 15.20x | 27.46x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.12x | 11.80x |
| PEG RatioP/E ÷ EPS growth rate | 4.01x | — |
| EV / EBITDAEnterprise value multiple | 7.00x | 17.35x |
| Price / SalesMarket cap ÷ Revenue | 2.70x | 1.67x |
| Price / BookPrice ÷ Book value/share | 1.40x | 0.71x |
| Price / FCFMarket cap ÷ FCF | 10.10x | 10.67x |
Profitability & Efficiency
CADE leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
CADE delivers a 8.7% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $3 for HOPE. CADE carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to HOPE's 0.17x.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +8.7% | +2.6% |
| ROA (TTM)Return on assets | +1.0% | +0.3% |
| ROICReturn on invested capital | +6.7% | +2.3% |
| ROCEReturn on capital employed | +10.4% | +0.9% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.01x | 0.17x |
| Net DebtTotal debt minus cash | -$1.7B | -$164M |
| Cash & Equiv.Liquid assets | $1.7B | $560M |
| Total DebtShort + long-term debt | $34M | $396M |
| Interest CoverageEBIT ÷ Interest expense | 0.66x | 0.17x |
Total Returns (Dividends Reinvested)
CADE leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CADE five years ago would be worth $15,213 today (with dividends reinvested), compared to $9,866 for HOPE. Over the past 12 months, CADE leads with a +44.9% total return vs HOPE's +30.6%. The 3-year compound annual growth rate (CAGR) favors CADE at 35.0% vs HOPE's 22.1% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -1.8% | +16.3% |
| 1-Year ReturnPast 12 months | +44.9% | +30.6% |
| 3-Year ReturnCumulative with dividends | +146.0% | +82.1% |
| 5-Year ReturnCumulative with dividends | +52.1% | -1.3% |
| 10-Year ReturnCumulative with dividends | +120.9% | +18.9% |
| CAGR (3Y)Annualised 3-year return | +35.0% | +22.1% |
Risk & Volatility
HOPE leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
HOPE is the less volatile stock with a 1.10 beta — it tends to amplify market swings less than CADE's 1.41 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HOPE currently trades 97.0% from its 52-week high vs CADE's 90.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.41x | 1.10x |
| 52-Week HighHighest price in past year | $46.74 | $13.02 |
| 52-Week LowLowest price in past year | $29.62 | $9.44 |
| % of 52W HighCurrent price vs 52-week peak | +90.1% | +97.0% |
| RSI (14)Momentum oscillator 0–100 | 46.7 | 56.5 |
| Avg Volume (50D)Average daily shares traded | 80.6M | 897K |
Analyst Outlook
Evenly matched — CADE and HOPE each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CADE as "Hold" and HOPE as "Hold". Consensus price targets imply 14.8% upside for HOPE (target: $15) vs -5.6% for CADE (target: $40). For income investors, HOPE offers the higher dividend yield at 4.35% vs CADE's 2.34%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $39.75 | $14.50 |
| # AnalystsCovering analysts | 20 | 6 |
| Dividend YieldAnnual dividend ÷ price | +2.3% | +4.3% |
| Dividend StreakConsecutive years of raises | 12 | 0 |
| Dividend / ShareAnnual DPS | $0.98 | $0.55 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.5% | 0.0% |
CADE leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). HOPE leads in 1 (Risk & Volatility). 2 tied.
CADE vs HOPE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CADE or HOPE a better buy right now?
For growth investors, Cadence Bank (CADE) is the stronger pick with 32.
4% revenue growth year-over-year, versus -3. 2% for Hope Bancorp, Inc. (HOPE). Cadence Bank (CADE) offers the better valuation at 15. 2x trailing P/E (12. 1x forward), making it the more compelling value choice. Analysts rate Cadence Bank (CADE) a "Hold" — based on 20 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CADE or HOPE?
On trailing P/E, Cadence Bank (CADE) is the cheapest at 15.
2x versus Hope Bancorp, Inc. at 27. 5x. On forward P/E, Hope Bancorp, Inc. is actually cheaper at 11. 8x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — CADE or HOPE?
Over the past 5 years, Cadence Bank (CADE) delivered a total return of +52.
1%, compared to -1. 3% for Hope Bancorp, Inc. (HOPE). Over 10 years, the gap is even starker: CADE returned +120. 9% versus HOPE's +18. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CADE or HOPE?
By beta (market sensitivity over 5 years), Hope Bancorp, Inc.
(HOPE) is the lower-risk stock at 1. 10β versus Cadence Bank's 1. 41β — meaning CADE is approximately 28% more volatile than HOPE relative to the S&P 500. On balance sheet safety, Cadence Bank (CADE) carries a lower debt/equity ratio of 1% versus 17% for Hope Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CADE or HOPE?
By revenue growth (latest reported year), Cadence Bank (CADE) is pulling ahead at 32.
4% versus -3. 2% for Hope Bancorp, Inc. (HOPE). On earnings-per-share growth, the picture is similar: Cadence Bank grew EPS -5. 1% year-over-year, compared to -43. 9% for Hope Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CADE or HOPE?
Cadence Bank (CADE) is the more profitable company, earning 18.
0% net margin versus 6. 0% for Hope Bancorp, Inc. — meaning it keeps 18. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CADE leads at 23. 3% versus 8. 3% for HOPE. At the gross margin level — before operating expenses — CADE leads at 59. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CADE or HOPE more undervalued right now?
On forward earnings alone, Hope Bancorp, Inc.
(HOPE) trades at 11. 8x forward P/E versus 12. 1x for Cadence Bank — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOPE: 14. 8% to $14. 50.
08Which pays a better dividend — CADE or HOPE?
All stocks in this comparison pay dividends.
Hope Bancorp, Inc. (HOPE) offers the highest yield at 4. 3%, versus 2. 3% for Cadence Bank (CADE).
09Is CADE or HOPE better for a retirement portfolio?
For long-horizon retirement investors, Hope Bancorp, Inc.
(HOPE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 10), 4. 3% yield). Both have compounded well over 10 years (HOPE: +18. 9%, CADE: +120. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CADE and HOPE?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CADE is a small-cap high-growth stock; HOPE is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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