NYSE$CADE
Cadence Bank · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
Cadence Bank reported solid fourth quarter results with record adjusted earnings and margin expansion.
Cadence Bank delivered a strong Q4 performance, marked by higher adjusted earnings, increased net interest margin, and continued growth in loans and deposits. The bank also reported robust capital levels ahead of its merger with Huntington.
- Adjusted net income reached a record $160.6 million in Q4.
- Net interest margin expanded to 3.55%.
- Organic loan growth and core deposit growth both rose 4.8% annualized.
- Tangible book value per share rose to $23.69.
Headline financials
Revenue & EPS history
Cadence Bank · Revenue · Quarterly
$528M
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
Cadence Bank expects continued earnings and balance sheet growth ahead of its merger with Huntington, supported by improved margin dynamics and regional expansion.
Tailwinds
- Merger with Huntington expected to close Feb 1, 2026, creating a top 10 national franchise.
- Strong capital levels to support future growth.
- Positive trajectory in net interest margin.
- Ongoing organic growth in loans and deposits.
- Operational efficiency continues to improve.
Headwinds
- Net charge-offs increased compared to prior year.
- Provision for credit losses rose from prior quarters.
- Nonperforming assets remained elevated at 0.49% of assets.
- Criticized loans increased to 2.81% of total loans.
- Merger-related expenses impacted adjusted expense figures.
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 Q4 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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