Head-To-Head Survey: Cadence Bancorp (CADE) & Pacific Financial (PFLC)

Cadence Bancorp (NYSE:CADE) and Pacific Financial (OTCMKTS:PFLC) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, institutional ownership, risk, dividends, earnings and profitability.

Profitability

This table compares Cadence Bancorp and Pacific Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Cadence Bancorp 27.38% 12.68% 1.52%
Pacific Financial N/A N/A N/A

Dividends

Cadence Bancorp pays an annual dividend of $0.70 per share and has a dividend yield of 3.5%. Pacific Financial does not pay a dividend. Cadence Bancorp pays out 33.8% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Cadence Bancorp and Pacific Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cadence Bancorp 0 2 6 1 2.89
Pacific Financial 0 0 0 0 N/A

Cadence Bancorp presently has a consensus target price of $26.33, indicating a potential upside of 30.11%. Given Cadence Bancorp’s higher probable upside, analysts plainly believe Cadence Bancorp is more favorable than Pacific Financial.

Valuation & Earnings

This table compares Cadence Bancorp and Pacific Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Cadence Bancorp $607.30 million 2.69 $166.26 million $2.07 9.78
Pacific Financial N/A N/A N/A N/A N/A

Cadence Bancorp has higher revenue and earnings than Pacific Financial.

Summary

Cadence Bancorp beats Pacific Financial on 8 of the 9 factors compared between the two stocks.

Cadence Bancorp Company Profile

Cadence Bancorporation, a financial holding company, through its subsidiary, Cadence Bank, National Association, provides commercial banking products and services to middle-market commercial businesses, high net worth individuals, business owners, and retail customers in the United States. The company operates through Banking and Financial Services segments. It offers checking, savings, money market, and other deposit accounts. The company also provides commercial and industrial, and commercial and residential real estate loans; other consumer loans, such as home equity, auto, boat, and personal installment loans; and shared national credits. In addition, it offers wealth management and other fiduciary, and private banking services under the Linscomb & Williams and Cadence Trust brands. Further, the company provides life, disability, and long-term care insurance products, as well as buy-sell agreements to retail and commercial customers under the Cadence Investment Services brand through financial consultants and advisors, and third party partners, as well as directly. Additionally, it offers correspondent banking products and services comprising treasury and liquidity management, Fed funds accommodation, wholesale mortgage, and commercial real estate participation services for financial institutions; and payroll and human resources services, payroll cards, and employee health insurance products. The company also provides debit and credit cards; treasury management and merchant services; employee and payroll benefit solutions; and automated clearing house, lock-box, remote deposit capture, foreign exchange, and other treasury services, as well as online, mobile, and telephone banking services. As of December 31, 2018, it operated 66 branch offices in Texas, Alabama, Florida, Mississippi, and Tennessee; and 32 branches throughout Georgia. The company also serves through ATMs and ITMs. Cadence Bancorporation was founded in 1885 and is headquartered in Houston, Texas.

Pacific Financial Company Profile

Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services to small to medium-sized businesses and professionals in Washington and Oregon, the United States. The company offers checking and savings accounts; certificates of deposits, individual retirement accounts, and other investment options; home loans; and auto and recreation loans, credit cards, personal loans, and home equity line of credit. It also provides business and commercial loans, commercial real estate loans, and Visa business cards; and treasury management services, as well as online banking services. As of September 30, 2018, the company operated 15 branches in the communities of Grays Harbor, Pacific, Whatcom, Skagit, Clark, and Wahkiakum counties in the state of Washington; and 3 branches in Clatsop County, Oregon, as well as loan production offices in the communities of DuPont and Burlington in Washington and Salem, Oregon. Pacific Financial Corporation was founded in 1978 and is headquartered in Aberdeen, Washington.

Receive News & Ratings for Cadence Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Cadence Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.