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Mar 31, 2025
Cadence Bank Q1 2025 Earnings Report
Cadence Bank reported solid earnings growth and stable credit quality in Q1 2025, supported by expanded net interest margin and strong capital levels.
Key Takeaways
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.
Forward Guidance
The company anticipates continued growth through the merger with First Chatham Bank, improved efficiency, and sustained credit stability amid economic uncertainty.
Positive Outlook
- 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.
Challenges Ahead
- 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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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