The earnings call highlighted strong financial performance, successful M&A activity, and significant organic loan growth. However, there were concerns about a decline in net interest margin and an increase in criticized loans. Despite these lowlights, the overall sentiment remains positive due to the strong growth metrics and strategic expansions.

Company Guidance -

Q3 2025

The guidance provided during the Cadence Bank Second Quarter 2025 earnings call highlighted several key financial metrics and strategic achievements. The bank announced its acquisition of Industry Bancshares and First Chatham Bank, with the former closing on July 1, 2025, and the latter on May 1, 2025, establishing a robust presence in Georgia and Central Texas. Adjusted net income from continuing operations rose to $137.5 million, translating to $0.73 per share, while the adjusted return on assets (ROA) was 1.14%. The bank experienced impressive organic loan growth, amounting to $1.1 billion or a 12.6% annualized rate, primarily driven by operations in Texas. Core customer deposits grew at a 4.4% annualized rate, with noninterest-bearing deposits comprising a significant portion. The net interest margin (NIM) slightly declined by 6 basis points to 3.40%, influenced by an increase in securities, though the underlying NIM improved by 2 basis points. Moreover, Cadence Bank's total adjusted revenue reached $476 million, marking a 6% increase, while the tangible book value per share rose to $22.94. The bank also maintained strong regulatory capital levels with a Common Equity Tier 1 (CET1) ratio of 12.2%. Overall, Cadence Bank projected full-year loan growth, including acquisitions, between 11% and 15%, with total revenue growth anticipated to be between 10% and 12%.

Successful M&A Activity

Cadence Bank announced the acquisition of Industry Bancshares and completed the acquisition of First Chatham Bank, expanding its presence in Georgia and Central Texas.

Strong Financial Performance

Adjusted net income from continuing operations increased to $137.5 million or $0.73 per share, and adjusted ROA was 1.14% for the quarter.

Organic Loan Growth

Achieved organic loan growth of $1.1 billion for the quarter, a 12.6% annualized rate, with the highest growth in Texas.

Improved Efficiency Ratio

The adjusted efficiency ratio improved by 90 basis points to 56.7%.

Strong Revenue Growth

Total adjusted revenue was $476 million, an increase of $28 million or 6% from the previous quarter.

Cadence Bank (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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