Cadence Bank reported a strong quarter with significant growth in net income, loans, and deposits, bolstered by successful M&A activities. However, challenges such as a decline in net interest margin and increased expenses were noted. Overall, the highlights significantly outweigh the lowlights.

Company Guidance -

Q3 2025

During the Cadence Bank Second Quarter 2025 Earnings Call, the company reported strong financial performance and provided updated guidance. Adjusted net income from continuing operations rose to $137.5 million, or $0.73 per share, with an adjusted return on assets (ROA) of 1.14%. The bank's adjusted efficiency ratio improved by 90 basis points to 56.7%. Organic loan growth reached $1.1 billion, or 12.6% annualized, while core customer deposits grew at a 4.4% annualized rate. The acquisition of Industry Bancshares and First Chatham Bank contributed to balance sheet growth, with $1.4 billion in period-end loan growth and $500 million in deposits from First Chatham. Net interest margin (NIM) dipped slightly by 6 basis points to 3.40%, primarily due to added securities, though loan yields increased to 6.34%. The bank's cost of deposits improved by 5 basis points to 2.30%. Cadence Bank's tangible book value per share increased to $22.94, with a common equity tier 1 (CET1) ratio of 12.2%. The guidance for the full year anticipates loan growth between 11% and 15%, core customer deposit growth of 12% to 15%, and total revenue growth between 10% and 12%, supported by stable credit conditions.

Strong Financial Performance

Adjusted net income from continuing operations increased to $137.5 million or $0.73 per share, with an adjusted ROA of 1.14% for the quarter. Pretax pre-provision net revenue reached an all-time high of $206 million, up over 8% from the prior quarter.

Loan and Deposit Growth

Organic loan growth of $1.1 billion for the quarter, or 12.6% annualized, with significant contributions from Texas. Organic core customer deposits increased at a 4.4% annualized rate.

M&A Activity

Completed acquisition of First Chatham Bank and announced acquisition of Industry Bancshares, expanding presence in Georgia and Central Texas.

Efficiency and Revenue Growth

Adjusted efficiency ratio improved by 90 basis points to 56.7%. Total adjusted revenue increased by $28 million or 6% to $476 million.

Improved Noninterest Revenue

Adjusted noninterest revenue increased by $13 million or 15% compared to the first quarter, with strong performance in mortgage originations and wealth management.

Cadence Bancorporation (CADE) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CADE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.71 / -	0.72	―	―	―
Jul 23, 2025	2025 (Q2)	0.68 / 0.69	0.73	-5.48% (-0.04)
Apr 21, 2025	2025 (Q1)	0.64 / 0.70	0.62	12.90% (+0.08)
Jan 22, 2025	2024 (Q4)	0.69 / 0.70	-1.46	147.95% (+2.16)
Oct 21, 2024	2024 (Q3)	0.64 / 0.72	0.49	46.94% (+0.23)
Jul 22, 2024	2024 (Q2)	0.61 / 0.73	0.61	19.67% (+0.12)
Apr 22, 2024	2024 (Q1)	0.54 / 0.62	0.4	55.00% (+0.22)
Jan 29, 2024	2023 (Q4)	3.20 / -1.46	0.52	-380.77% (-1.98)
Oct 23, 2023	2023 (Q3)	0.55 / 0.49	0.66	-25.76% (-0.17)
Jul 24, 2023	2023 (Q2)	0.68 / 0.61	0.68	-10.29% (-0.07)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CADE Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$35.92	$35.04	-2.45%
Apr 21, 2025	$27.35	$27.65	+1.10%
Jan 22, 2025	$35.26	$33.61	-4.68%
Oct 21, 2024	$31.66	$33.16	+4.74%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Cadence Bank (CADE) report earnings?

Cadence Bank (CADE) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Cadence Bank (CADE) earnings time?

Cadence Bank (CADE) earnings time is at Oct 27, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CADE EPS forecast?

CADE EPS forecast for the fiscal quarter 2025 (Q3) is 0.71.

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