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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Cadence Bank (CADE) investor relations material
Cadence Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Achieved record adjusted net income of $137.5M ($0.73/share) and record pretax pre-provision net revenue of $206M, driven by strong organic loan and deposit growth and successful acquisitions in Georgia and Texas.
Completed acquisitions of FCB Financial Corp. (First Chatham Bank) and Industry Bancshares, adding $4.7B in assets and expanding presence in key growth markets.
Operating efficiency improved, with adjusted PPNR up 8% sequentially and 7.9% year-over-year.
Board declared quarterly cash dividends of $0.275 per common share and $0.34375 per Series A Preferred share.
Maintained stable credit quality and improved tangible book value and capital ratios.
Financial highlights
Net interest revenue rose to $378.1M, up 4% from prior quarter, driven by organic loan growth and acquisitions; net interest margin was 3.40%.
Adjusted noninterest revenue was $98.2M, up 15% sequentially, led by mortgage banking, card fees, and wealth management.
Adjusted noninterest expense was $270.4M, up 5% sequentially, mainly due to acquisition-related costs and business growth.
Total assets reached $50.4B, up 6% from prior quarter; total deposits were $40.5B.
Adjusted efficiency ratio improved to 56.7%.
Outlook and guidance
Management expects 7–11% organic and 11–15% total loan growth for 2025, with 2–5% organic and 12–15% total core customer deposit growth.
Adjusted revenue growth forecasted at 10–12% and adjusted noninterest expense growth at 7–9% for 2025.
Net charge-offs expected to remain in the 20–30 bps range, similar to 2024 levels.
Management anticipates continued operating leverage and strong EPS performance for the remainder of the year.
Net interest margin expected to improve as new loans and CDs reprice at favorable rates.
Explain the NIM decline despite revenue increase.
Assess impact of First Chatham on expenses.
Detail drivers of other noninterest revenue increase.
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Next Cadence Bank earnings date
Q3 202521 Oct, 2025
Next Cadence Bank earnings date
Q3 202521 Oct, 2025
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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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