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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 events from Cadence Bank
- Record net income and efficiency gains driven by loan growth and strong capital metrics.CADE
Q2 20243 Feb 2026 - Strong deposit growth, margin expansion, and robust capital ratios drive solid quarterly results.CADEQ3 202419 Jan 2026
- Adjusted net income up 24.5% YoY, with strong growth, efficiency, and a 10% dividend hike.CADEQ4 20249 Jan 2026
- Net income up 14%, margins improved, and FCB/First Chatham merger closes May 1.CADEQ1 202525 Dec 2025
- Record PPNR and robust loan growth highlight a strong quarter with major acquisitions.CADEQ2 202513 Nov 2025
- Q3 2025 delivered strong earnings, loan growth, and stable credit quality after major acquisitions.CADEQ3 202521 Oct 2025
Next Cadence Bank earnings date
Q1 202621 Apr, 2026
Cadence Bank
Next Cadence Bank earnings date
Q1 202621 Apr, 2026
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