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Cadence Bank (CADE)
NYSE:CADE
US Market
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Cadence Bank (CADE) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 28, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.79
Last Year’s EPS
0.7
Same Quarter Last Year
Based on 8 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 20, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call highlighted successful acquisitions and strong financial performance with improvements in revenue, deposits, and net interest margin. However, there were challenges with mortgage banking revenue and CRE paydowns. Despite these challenges, the overall sentiment is positive due to significant achievements and strategic growth.
Company Guidance
In the Cadence Bank Third Quarter 2025 earnings call, the company's guidance highlighted several key financial metrics that indicate strong performance and optimistic outlook. The bank completed the acquisition of Industry Bank Shares on July 1, with a successful operational integration that contributed to a $3.4 billion increase in deposits, including $3.1 billion in core customer deposits. Loan growth was also robust, with a $1.3 billion increase, $1 billion of which stemmed from the Industry acquisition and $300 million from organic growth. Adjusted net income from continuing operations rose to $152.8 million or $0.81 per share, with an adjusted return on assets of 1.13%. The adjusted efficiency ratio improved to 56.5%, driven by balance sheet growth and net interest margin improvement. The net interest margin itself increased by six basis points to 3.46%, supported by improved securities yields and declining funding costs. The bank anticipates continued modest improvement in net interest margin through the end of the year. Additionally, Cadence Bank's purchase accounting adjustments yielded positive impacts, with tangible book value per share declining only $0.12 to $22.82, and total adjusted revenue for the quarter reaching $517 million, up 9% from the prior quarter.
Successful Acquisition and Integration
Completed the acquisition of Industry Bank Shares on July 1, and the operational integration was completed last week. Industry and First Chatham are now fully integrated into Cadence systems, expanding the footprint in Central Texas and Georgia.
Strong Financial Performance
Adjusted net income from continuing operations increased to $152.8 million or $0.81 per share. Adjusted return on assets was 1.13% for the quarter.
Revenue and Deposit Growth
Balance sheet growth combined with net interest margin improvement drove a meaningful increase in revenue. Deposits were up $3.4 billion, with core customer deposits up $3.1 billion.
Improvement in Net Interest Margin
Net interest margin improved six basis points to 3.46%, driven by improved securities yields and a decline in overall funding costs.
Record Adjusted Pre-tax Pre-provision Net Revenue
Adjusted pre-tax pre-provision net revenue for the third quarter reached a record $224 million, up nearly 9% from the prior 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

CADE Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 28, 2026
2025 (Q4)
0.79 / -
0.7
Oct 20, 2025
2025 (Q3)
0.70 / 0.67
0.72-6.94% (-0.05)
Jul 23, 2025
2025 (Q2)
0.68 / 0.69
0.73-5.48% (-0.04)
Apr 21, 2025
2025 (Q1)
0.64 / 0.70
0.6212.90% (+0.08)
Jan 22, 2025
2024 (Q4)
0.69 / 0.70
-1.46147.95% (+2.16)
Oct 21, 2024
2024 (Q3)
0.64 / 0.72
0.4946.94% (+0.23)
Jul 22, 2024
2024 (Q2)
0.61 / 0.73
0.6119.67% (+0.12)
Apr 22, 2024
2024 (Q1)
0.54 / 0.62
0.455.00% (+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)
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
Oct 20, 2025
$37.06$35.63-3.86%
Jul 23, 2025
$35.66$34.78-2.47%
Apr 21, 2025
$27.15$27.45+1.10%
Jan 22, 2025
$35.00$33.36-4.69%
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 Jan 28, 2026, After Close (Confirmed).
    What is Cadence Bank (CADE) earnings time?
    Cadence Bank (CADE) earnings time is at Jan 28, 2026, 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 (Q4) is 0.79.
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