Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Cadence Bank's quarterly P/E stands at 14.0x, up 26.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 80.3% YoY to 11.4x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.20 | 14.01 | 11.59 | 10.84 | 12.30 | 11.06 | 9.68 | 11.69 | 5.25 | 10.83 | 8.05 | 12.97 | 11.86 |
| — | +26.7% | +19.6% | -7.3% | +134.5% | +2.1% | +20.3% | -9.9% | -55.7% | +12.5% | -6.8% | +6.4% | — | |
| P/S Ratio | 2.70 | 2.37 | 2.10 | 2.09 | 2.27 | 2.01 | 1.76 | 1.87 | 7.79 | 1.46 | 1.37 | 1.70 | 1.93 |
| — | +17.8% | +19.3% | +12.0% | -70.9% | +37.6% | +29.1% | +9.6% | +304.8% | -33.4% | -39.9% | -42.8% | -5.6% | |
| P/B Ratio | 1.40 | 1.17 | 1.01 | 0.99 | 1.15 | 1.06 | 0.99 | 1.04 | 1.05 | 0.89 | 0.80 | 0.85 | 1.05 |
| — | +10.0% | +2.4% | -4.7% | +10.0% | +18.9% | +23.2% | +22.0% | -0.5% | -20.3% | -17.3% | -27.9% | +71.4% | |
| P/FCF | 10.10 | 10.23 | 12.44 | 7.97 | 44.12 | 5.98 | 7.71 | 4.16 | — | 5.15 | 5.16 | 5.32 | 4.69 |
| — | +71.0% | +61.2% | +91.6% | — | +16.2% | +49.4% | -21.8% | — | -9.1% | -19.0% | -17.7% | +406.3% | |
| EV / EBITDA | 7.00 | 11.36 | 10.86 | 7.24 | 5.48 | 6.30 | 7.01 | 7.62 | — | 9.90 | 8.19 | 8.90 | 8.04 |
| — | +80.3% | +54.8% | -5.0% | — | -36.4% | -14.4% | -14.4% | — | +23.8% | +50.0% | +48.7% | -17.4% | |
| EV / EBIT | 9.09 | 11.36 | 10.86 | 7.24 | 6.95 | 8.05 | 9.01 | 10.44 | — | 15.09 | 12.01 | 14.99 | 13.73 |
| — | +41.1% | +20.5% | -30.7% | — | -46.7% | -25.0% | -30.3% | — | +44.2% | +63.7% | +78.6% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Cadence Bank's operating margin was 22.0% in Q3 2025, down 2.1 pp QoQ and down 1.9 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 23.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 59.3% | 58.2% | 59.6% | 62.1% | 61.7% | 59.3% | 58.6% | 57.7% | -83.7% | 57.7% | 61.4% | 67.6% | 79.6% |
| — | -2.0% | +1.7% | +7.7% | +173.7% | +2.9% | -4.6% | -14.6% | -205.2% | -36.3% | -35.1% | -29.4% | +30.0% | |
| Operating Margin | 23.3% | 22.0% | 24.2% | 25.0% | 24.0% | 24.0% | 24.0% | 21.2% | -210.9% | 16.7% | 20.9% | 16.8% | 21.7% |
| — | -8.1% | +0.8% | +18.3% | +111.4% | +44.0% | +15.0% | +26.0% | -1072.8% | -44.9% | -39.3% | -48.0% | +279.3% | |
| Net Margin | 18.0% | 17.4% | 18.9% | 19.7% | 18.8% | 18.6% | 18.5% | 16.2% | 149.4% | 13.8% | 17.3% | 13.7% | 16.6% |
| — | -6.7% | +2.0% | +21.4% | -87.4% | +34.5% | +7.1% | +18.7% | +797.7% | -40.6% | -35.4% | -45.3% | +289.4% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.8% | 2.2% | 2.3% | 2.4% | 2.4% | 2.5% | 2.6% | 2.3% | 5.4% | 2.1% | 2.5% | 1.7% | 2.3% |
| — | -13.9% | -11.8% | +4.5% | -56.0% | +20.5% | +3.3% | +29.7% | +134.5% | -27.3% | -9.1% | -25.1% | +375.7% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.5% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | -10.8% | -3.9% | +16.9% | -48.1% | +47.6% | +25.9% | +57.6% | +161.5% | -26.5% | -15.2% | -37.0% | +322.2% | |
| ROIC | 6.7% | 1.4% | 1.7% | 2.1% | 1.7% | 1.4% | 1.5% | 1.2% | -2.9% | 0.9% | 1.0% | 0.7% | 1.2% |
| — | -0.2% | +14.5% | +71.6% | +158.3% | +57.8% | +45.9% | +74.5% | -353.4% | -45.0% | -48.6% | -59.8% | +278.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Cadence Bank's Debt/EBITDA ratio is 13.9x, down from 17.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 49.7% YoY to 0.14x, tightening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.38 | 0.51 | 0.14 | 0.01 | 0.67 | 0.72 | 0.78 | 0.85 | 1.09 | 1.06 | 1.54 | 1.04 |
| — | -44.1% | -29.3% | -81.6% | -99.3% | -38.7% | -31.6% | -49.8% | -18.1% | +25.4% | +102.7% | +513.3% | +208.5% | |
| Debt / EBITDA | 0.04 | 13.85 | 17.55 | 4.82 | 0.16 | 16.65 | 16.63 | 19.25 | — | 28.30 | 23.47 | 43.76 | 20.51 |
| — | -16.8% | +5.6% | -75.0% | — | -41.2% | -29.2% | -56.0% | — | +63.2% | +122.3% | +679.6% | +10.2% | |
| Current Ratio | 0.22 | 0.14 | 0.25 | 0.23 | 0.22 | 0.28 | 0.25 | 0.27 | 0.29 | 0.27 | 0.28 | 0.35 | 0.32 |
| — | -49.7% | -3.1% | -14.1% | -23.2% | +2.5% | -8.8% | -22.0% | -10.6% | -18.1% | -23.4% | -10.3% | -21.1% | |
| Quick Ratio | 0.22 | 0.14 | 0.25 | 0.23 | 0.22 | 0.28 | 0.25 | 0.27 | 0.29 | 0.27 | 0.28 | 0.35 | 0.32 |
| — | -49.7% | -3.1% | -14.1% | -23.2% | +2.5% | -8.8% | -22.0% | -10.6% | -18.1% | -23.4% | -10.3% | -21.1% | |
| Interest Coverage | 0.61 | 0.59 | 0.67 | 0.72 | 0.66 | 0.61 | 0.63 | 0.54 | -1.30 | 0.42 | 0.57 | 0.55 | 1.12 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Quick answers to the most common questions about buying CADE stock.
Cadence Bank's current P/E is 15.2x. The average P/E over the last 4 quarters is 12.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Cadence Bank's current operating margin is 23.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Cadence Bank's business trajectory between earnings reports.