NYSE$CADE
Cadence Bank · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Cadence Bank Q2 2025 Earnings Report showed steady revenue growth and strong capital ratios despite higher credit provisions.
Cadence Bank delivered solid Q2 2025 results with EPS of $0.69 and adjusted EPS of $0.73, supported by strong loan growth and higher net interest revenue, although credit provisions increased.
- Net income available to common shareholders was $129.9 million, with adjusted net income at $137.5 million.
- Net interest margin stood at 3.40%, supported by strong organic loan growth.
- Provision for credit losses rose to $31 million due to acquired loans and higher credit reserves.
- Common Equity Tier 1 Capital remained strong at 12.2%.
Headline financials
Revenue & EPS history
Cadence Bank · Revenue · Quarterly
$476M
Revenue by segment
Cadence Bank · $476M total across 2 segments · Q2 2025
- Net Interest Revenue$378M—79.4%
- Noninterest Revenue$98.2M—20.6%
Forward guidance
Cadence expects continued loan and deposit growth with stable credit quality, but rising funding costs and integration expenses could pressure margins.
Tailwinds
- Strong loan and deposit growth momentum
- Stable credit quality metrics
- Improving operating efficiency
- Capital ratios remain well above regulatory requirements
- Integration of recent acquisitions expected to drive growth
Headwinds
- Higher funding costs could pressure NIM
- Increased provisions for credit losses expected to persist
- Integration expenses from acquisitions may temporarily impact earnings
- Economic uncertainty may affect loan demand
- Competitive pressure on deposit pricing remains elevated
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 Q2 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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