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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Cadence Bank
Cadence Bank (CADE) investor relations material
Cadence Bank has been acquired by Huntington Bancshares Incorporated
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.
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Latest events from Cadence Bank
- Q3 2025 delivered strong earnings, robust loan and deposit growth, and stable credit quality.CADE
Q3 2025 - Record PPNR and robust loan growth highlight a strong quarter with major acquisitions.CADEQ2 2025
- Strong deposit growth, margin expansion, and robust capital ratios drive solid quarterly results.CADEQ3 2024
- Net income and efficiency improved on strong loan growth and stable credit quality.CADEQ2 2024
- Net income up 14%, margins improved, and FCB/First Chatham merger closes May 1.CADEQ1 2025
- Adjusted net income up 24.5% YoY, with strong growth, efficiency, and a 10% dividend hike.CADEQ4 2024
Cadence Bank
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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.