CADE vs SFNC

For growth investors, Cadence Bank (CADE) is the stronger pick with 32.

4% revenue growth year-over-year, versus -56. 7% for Simmons First National Corporation (SFNC). 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 Simmons First National Corporation (SFNC) a "Buy" — based on 9 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.

On forward P/E, Simmons First National Corporation is actually cheaper at 10.

5x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Cadence Bank (CADE) delivered a total return of +52.

1%, compared to -14. 9% for Simmons First National Corporation (SFNC). Over 10 years, the gap is even starker: CADE returned +120. 9% versus SFNC's +26. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Simmons First National Corporation (SFNC) is the lower-risk stock at 1.

02β versus Cadence Bank's 1. 41β — meaning CADE is approximately 37% more volatile than SFNC relative to the S&P 500. On balance sheet safety, Cadence Bank (CADE) carries a lower debt/equity ratio of 1% versus 19% for Simmons First National Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Cadence Bank (CADE) is pulling ahead at 32.

4% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: Cadence Bank grew EPS -5. 1% year-over-year, compared to -343. 8% for Simmons First National Corporation. 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.

Cadence Bank (CADE) is the more profitable company, earning 18.

0% net margin versus -63. 4% for Simmons First National Corporation — 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 -84. 2% for SFNC. 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.

On forward earnings alone, Simmons First National Corporation (SFNC) trades at 10.

5x forward P/E versus 12. 1x for Cadence Bank — 1. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SFNC: 5. 0% to $22. 67.

All stocks in this comparison pay dividends.

Simmons First National Corporation (SFNC) offers the highest yield at 4. 0%, versus 2. 3% for Cadence Bank (CADE).

For long-horizon retirement investors, Simmons First National Corporation (SFNC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.

02), 4. 0% yield). Both have compounded well over 10 years (SFNC: +26. 4%, 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.

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; SFNC 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.