NYSE$CADE
Cadence Bank · Q1 2025 earnings
Q1 2025 earnings · · After market close · Investor relations
Briefing
Cadence Bank reported solid earnings growth and stable credit quality in Q1 2025, supported by expanded net interest margin and strong capital levels.
Cadence Bank delivered strong Q1 2025 performance, posting $130.9M in net income and maintaining operating efficiency. The bank saw growth in net interest margin and loans while keeping costs down and credit quality stable.
- Net income reached $130.9M with EPS of $0.70 and adjusted EPS of $0.71.
- Net interest margin improved to 3.46%, with $363.2M in net interest revenue.
- Generated $309.9M in net organic loan growth, with stable core deposits.
- All approvals were received for the FCB Financial Corp. merger, expected to close May 1.
Headline financials
Revenue & EPS history
Cadence Bank · Revenue · Quarterly
$449M
Revenue by segment
Cadence Bank · $528M total across 2 segments · Q4 2025
- Net Interest Revenue$427M—80.8%
- Noninterest Revenue$101M—19.2%
Forward guidance
The company anticipates continued growth through the merger with First Chatham Bank, improved efficiency, and sustained credit stability amid economic uncertainty.
Tailwinds
- Merger with FCB Financial expected to enhance market reach.
- Improved operating leverage and cost control initiatives in place.
- Stable core deposits and growing loan portfolio.
- Strengthened capital ratios support growth plans.
- Focus on expanding net interest margin through disciplined balance sheet management.
Headwinds
- Economic volatility may pressure loan demand and deposit pricing.
- Credit costs slightly elevated due to isolated C&I exposure.
- Lower yields on new loan originations reflecting recent rate cuts.
- Decline in wealth management and card fees from seasonal softness.
- Market conditions may impact noninterest revenue performance.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 15 quarterly earnings reports · overlaid with Q1 2025
-0.2%
Avg return
Earnings day
+1.2%
Avg return
5 days after
+2.4%
Avg return
30 days after
48%
16 / 33 earnings
Positive
+7.4%
Q3 2020
Best reaction
-5.9%
Q4 2025
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | — | — | — | |
| Q4 2025 | -5.9% | -7.1% | — | |
| Q3 2025 | -3.8% | -1.5% | +1.0% | |
| Q2 2025 | -2.6% | -0.6% | +3.5% | |
| Q1 2025 | +1.3% | +4.6% | +11.1% | |
| Q4 2024 | -4.8% | -1.2% | -8.0% | |
| Q3 2024 | +1.3% | +1.1% | +11.4% | |
| Q2 2024 | +5.9% | +5.5% | -2.6% | |
| Q1 2024 | +6.3% | +6.8% | +5.5% | |
| Q4 2023 | -4.6% | -11.2% | -9.4% | |
| Q3 2023 | +4.0% | +6.9% | +23.4% | |
| Q2 2023 | +0.4% | +9.3% | -0.7% | |
| Q1 2023 | -0.4% | -0.6% | -8.3% | |
| Q4 2022 | -1.1% | +8.2% | +1.6% | |
| Q3 2022 | +1.3% | +2.1% | +6.7% | |
| Q2 2022 | +1.9% | +8.4% | +11.6% | |
| Q1 2022 | +0.2% | -5.7% | -2.8% | |
| Q4 2021 | -0.6% | -4.2% | -5.9% | |
| Q3 2021 | -3.7% | — | — | |
| Q2 2021 | -2.9% | — | — | |
| Q1 2021 | +2.5% | — | — | |
| Q4 2020 | -4.4% | — | — | |
| Q3 2020 | +7.4% | — | — | |
| Q2 2020 | -0.7% | — | — | |
| Q1 2020 | +1.5% | — | — | |
| Q4 2019 | -0.9% | — | — | |
| Q3 2019 | -0.1% | — | — | |
| Q2 2019 | +0.2% | — | — | |
| Q1 2019 | +0.1% | — | — | |
| Q4 2018 | +0.6% | — | — | |
| Q3 2018 | -2.4% | — | — | |
| Q2 2018 | -0.6% | — | — | |
| Q1 2018 | +0.8% | — | — | |
| Q4 2017 | -2.0% | — | — | |
| Q3 2017 | — | — | — |
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