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Sep 30, 2025
Cadence Bank Q3 2025 Earnings Report
Cadence Bank posted strong Q3 results with higher earnings and margin expansion driven by recent acquisitions.
Key Takeaways
Cadence Bank delivered solid financial performance in Q3 2025, with net income of $127.5 million and an adjusted EPS of $0.81. The quarter was supported by improved net interest margin, increased deposits and loans, and successful integration of recent bank acquisitions.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expects continued growth and stable credit performance, supported by integration benefits from recent acquisitions.
Positive Outlook
- Successful integration of Industry Bancshares and First Chatham
- Continued expansion in net interest margin
- Organic and acquisition-driven loan growth
- Core deposit growth from acquisitions
- Strong capital and liquidity position
Challenges Ahead
- Higher noninterest expenses due to merger costs
- Slight decline in tangible book value per share
- Decreased return on average assets vs prior year
- Lower mortgage banking revenue sequentially
- Modest increase in criticized and classified loans
Historical Earnings Impact
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Avg. Return Before/After Earnings
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