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Jun 30, 2025
Cadence Bank Q2 2025 Earnings Report
Cadence Bank Q2 2025 Earnings Report showed steady revenue growth and strong capital ratios despite higher credit provisions.
Key Takeaways
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%.
Revenue by Segment
Forward Guidance
Cadence expects continued loan and deposit growth with stable credit quality, but rising funding costs and integration expenses could pressure margins.
Positive Outlook
- 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
Challenges Ahead
- 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
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Avg. Return Before/After Earnings
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