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Cadence Bank
Cadence Bank (CADE) investor relations material
Cadence Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income available to common shareholders reached $532.6M for 2025, or $2.83 per diluted share; adjusted net income was $582.2M, or $3.10 per share, up 13.1% year-over-year.
Record annual adjusted pre-tax pre-provision net revenue (PPNR) of $857.7M, up 16.1% from 2024.
Strategic acquisitions of FCB Financial Corp. and Industry Bancshares added $4.7B in assets and expanded presence in Georgia and Texas.
Entered definitive merger agreement with Huntington Bancshares, expected to close Feb 1, 2026, creating a top 10 national franchise with over $275B in assets.
Financial highlights
Total loans grew $3.5B (10%) and total deposits $3.6B (9%) in 2025; organic loan growth was $2.2B (6.4%).
Net interest margin improved 17 bps to 3.47% for 2025; Q4 margin was 3.55%, up 9 bps sequentially.
Q4 net income available to common shareholders was $144.4M ($0.76/share); adjusted net income was $160.6M ($0.85/share).
Q4 adjusted PPNR was $237.8M, up 29.2% year-over-year and 6.1% sequentially.
Tangible book value per share rose to $23.69 at year-end, up $0.87 from Q3.
Outlook and guidance
Pending merger with Huntington Bancshares expected to enhance growth and product offerings.
Management anticipates continued earnings growth and balance sheet expansion post-merger.
Huntington merger: Share exchange terms?
How did criticized loans trend in 2025?
What drove Q4 2025 net interest margin improvement?
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Latest summaries
- TimeTickerHeadlineOpen
- 055550
Net income up 11.7% YoY, shareholder returns at 50.2%, CET1 ratio at 13.33%. - RM
Record 2025 net income, originations, and efficiency set up strong 2026 growth outlook. - KPIL
27% YOY revenue growth, strong profit and order book, and improved debt metrics drive outlook. - FSV
Annual revenues rose 5% to $5.50B, led by Residential growth and improved profitability. - HEXT
Revenue up 7.6% YoY, margin expands, and AI and acquisitions drive future growth. - 4188
Net income surged on discontinued operations gains, but outlook cut due to restructuring costs. - 021240
Record-high profits and strong rental growth, with overseas expansion led by Malaysia and Thailand. - 021240Record revenue and profit growth in 2Q'25, led by robust domestic and overseas performance.
- 021240Record-high revenue and net profit in 3Q'24, driven by robust rental growth and overseas expansion.
- 021240Record revenue and profit, with strong growth in rental accounts and overseas markets.
Next Cadence Bank earnings date
Q1 202621 Apr, 2026
Cadence Bank
Next Cadence Bank earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Cadence Bank is a regional bank holding company providing a full range of banking and financial services to individuals, businesses, and government entities. The bank offers deposit accounts, loans, treasury services, and wealth management through a network of branches across the southern United States. Cadence Bank is headquartered in Tupelo, Mississippi, and its shares are listed on the NYSE.
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