CNB Financial Corporation (NASDAQ: CCNE) and Cadence Bancorp (NYSE:CADE) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, risk, valuation, institutional ownership, earnings and profitability.

Analyst Recommendations

This is a breakdown of recent ratings for CNB Financial Corporation and Cadence Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CNB Financial Corporation 0 0 0 0 N/A
Cadence Bancorp 0 3 5 0 2.63

Cadence Bancorp has a consensus price target of $25.29, suggesting a potential upside of 10.81%. Given Cadence Bancorp’s higher probable upside, analysts plainly believe Cadence Bancorp is more favorable than CNB Financial Corporation.

Dividends

CNB Financial Corporation pays an annual dividend of $0.66 per share and has a dividend yield of 2.4%. Cadence Bancorp does not pay a dividend. CNB Financial Corporation pays out 39.8% of its earnings in the form of a dividend.

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
CNB Financial Corporation $102.21 million 4.13 $25.21 million $1.66 16.76
Cadence Bancorp $355.42 million 5.37 N/A N/A N/A

CNB Financial Corporation has higher revenue, but lower earnings than Cadence Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
CNB Financial Corporation 20.21% 10.92% 0.95%
Cadence Bancorp N/A N/A N/A

Insider & Institutional Ownership

42.4% of CNB Financial Corporation shares are owned by institutional investors. Comparatively, 9.0% of Cadence Bancorp shares are owned by institutional investors. 4.4% of CNB Financial Corporation shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

CNB Financial Corporation beats Cadence Bancorp on 6 of the 11 factors compared between the two stocks.

CNB Financial Corporation Company Profile

CNB Financial Corporation is a financial holding company. The Company is the holding company of CNB Bank (the Bank); CNB Securities Corporation, which maintains investments in debt and equity securities; CNB Insurance Agency, which provides for the sale of nonproprietary annuities and other insurance products, and Holiday Financial Services Corporation, which offers small balance unsecured loans and secured loans, primarily collateralized by automobiles and equipment. The Bank is a full service bank engaging in a range of banking activities and services for individual, business, governmental and institutional customers. The Bank’s Wealth & Asset Management Services division offers a range of client services. The Bank’s activities include checking, savings and time deposit accounts; real estate loans, commercial loans, industrial loans, residential loans and consumer loans, and other specialized financial services.

Cadence Bancorp Company Profile

Cadence Bancorporation is a bank holding company. The Company is focused on middle-market commercial lending, complemented by retail banking and wealth management services, and provides a broad range of banking services to businesses, individuals and business owners. It operates through three segments: Banking, Financial Services and Corporate. Banking Segment offers a range of deposit products and lending services through its Commercial Banking, Retail Banking and Private Banking business lines. Financial Services segment provides an integrated set of investment, retirement, estate, college and business succession planning, retail brokerage, personal and institutional trust services and insurance services through three product lines: Investment Management, Trust Services, and Insurance Services. The Corporate Segment reflects parent-only activities, including debt and capital raising, and intercompany eliminations.

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