10-K Annual Reports
1FY 2021
Mar 1, 2021·SEC
Cadence Bank(CADE)Earnings, Financials & Key Ratios
CADE•NYSE•Banking & Credit
$42.11
15.2× P/E·Price updated Jun 20, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCadence Bank provides commercial banking and financial services in the United States. Its products and services include consumer banking, consumer loans, mortgages, home equity lines and loans, credit cards, commercial and business banking, treasury management, specialized and asset-based lending, commercial real estate, equipment financing, and correspondent banking services. The company's products and services also comprise small business administration lending, foreign exchange, wealth management, investment and trust, financial planning, retirement plan management, and personal and business insurance services. As of March 3, 2022, it operated approximately 400 branch locations across the South, Midwest, and Texas. The company was incorporated in 1876 and is headquartered in Tupelo, Mississippi.Show more
- Net Interest Income$1.44B+6.3%
- Total Revenue$2.9B+32.4%
- Net Income$524M-3.4%
- Return on Equity9.75%-14.8%
- Net Interest Margin3.05%+10.6%
- Efficiency Ratio36%-31.7%
- ROA1.09%-1.8%
- Equity / Assets11.85%+12.2%
- Book Value per Share30.01+6.0%
CADE Price & Volume
Cadence Bank (CADE) stock price & volume — 10-year historical chart
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Operational Synergies Offset Texas Commercial Real Risks
Investment Thesis • Updated 2025Q3
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Robust
Primary Risk:Texas CRE concentration exposure
Key Thesis Takeaways
- Cadence Bank is successfully leveraging its post-merger integration to drive operational efficiency, as evidenced by an improved efficiency ratio of 36.1% in 2025Q3.
- While the bank demonstrates robust organic capital generation with quarterly net income near $130 million, investors should monitor the potential credit deterioration within its concentrated Texas commercial real estate portfolio.
- The strategic pivot toward higher-yielding investment securities suggests a proactive approach to managing net interest income growth, though persistent margin compression remains a key headwind.
Verdict Logic
while the bank shows improved operational efficiency at 36.1%, the rising provision expense of $32.0 million in 2025Q3 warrants caution regarding potential credit losses in its commercial real estate portfolio.
CADE Growth Metrics
Cadence Bank (CADE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.97%
5 Years22.43%
3 Years37.18%
TTM-
Profit CAGR
10 Years16.19%
5 Years17.45%
3 Years38.95%
TTM-18.39%
EPS CAGR
10 Years8.63%
5 Years3.79%
3 Years21.61%
TTM-20.69%
Return on Capital
10 Years9.06%
5 Years6.5%
3 Years6.6%
Last Year10.41%
CADE Recent Earnings
Cadence Bank (CADE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)
Q1 2026Latest
Jan 22, 2026Metric
Actual
Est
EPS
$0.85+7.6%
$0.79
Rev
$528M+0.5%
$526M
Q4 2025
Oct 20, 2025Metric
Actual
Est
EPS
$0.81+15.2%
$0.70
Rev
$517M-1.2%
$523M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.73+5.8%
$0.69
Rev
$445M-11.2%
$501M
Q2 2025
Apr 21, 2025Metric
Actual
Est
EPS
$0.71+10.9%
$0.64
Rev
$429M-8.3%
$467M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 22, 2026 | $0.85vs $0.79+7.6% | $528Mvs $526M+0.5% |
| Q4 2025 | Oct 20, 2025 | $0.81vs $0.70+15.2% | $517Mvs $523M-1.2% |
| Q3 2025 | Jul 23, 2025 | $0.73vs $0.69+5.8% | $445Mvs $501M-11.2% |
| Q2 2025 | Apr 21, 2025 | $0.71vs $0.64+10.9% | $429Mvs $467M-8.3% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Cadence Bank (CADE)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $42.11 | $7.85B | 15.20 | 32.37% | 18.03% | 9.75% | 2.34% | |
| $100.28 | $7.71B | 12.40 | 2.4% | 16.25% | 7.42% | — | |
| $22.77 | $3.3B | -7.72 | -56.66% | -63.53% | -10.51% | — | |
| $28.74 | $5.79B | 11.93 | -5.35% | 34.84% | 11.29% | — | |
| $35.90 | $739.76M | 10.98 | -0.3% | 22.54% | 14.15% | — | |
| $13.53 | $1.73B | 29.41 | -3.23% | 6.82% | 2.96% | — |
Compare CADE vs Peers
Cadence Bank (CADE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CADE SEC Filings & Documents
Cadence Bank (CADE) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CADE Frequently Asked Questions
Cadence Bank (CADE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Cadence Bank growing?
Cadence Bank (CADE) grew revenue by 32.4% over the past year. This is strong growth.
Is CADE profitable?
Yes, Cadence Bank (CADE) is profitable, generating $530.4M in net income for fiscal year 2024 (18.0% net margin).
Dividend & Returns
Does CADE pay dividends?
Yes, Cadence Bank (CADE) pays a dividend with a yield of 2.34%. This makes it attractive for income-focused investors.
What is CADE's return on equity?
Cadence Bank (CADE) has a return on equity (ROE) of 9.8%. This is below average, suggesting room for improvement.
Industry Metrics
What is Cadence Bank's net interest margin?
Cadence Bank (CADE) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Cadence Bank's efficiency ratio?
Cadence Bank (CADE) has an efficiency ratio of 36.0%. This is excellent, indicating strong cost control.