Cadence Bank (CADE) Earnings History
Profitable36 years of earnings data (1989–2024) · Positive TTM net income
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Cadence Bank (CADE) Earnings Overview
As of July 8, 2026, Cadence Bank (CADE) reported trailing twelve-month net income of $530M, reflecting -5.1% year-over-year growth. The company earned $2.81 per diluted share over the past four quarters, with a net profit margin of 18.0%.
Looking at the long-term picture, CADE's 5-year EPS compound annual growth rate (CAGR) stands at +3.8%, reflecting modest earnings expansion. The company achieved its highest annual net income of $542M in fiscal 2023.
Cadence Bank maintains industry-leading profitability with a gross margin of 59.3%, operating margin of 23.3%, and net margin of 18.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including PNFP ($652M net income, 22.0% margin), SFNC (-$361M net income, -63.4% margin), HOMB ($478M net income, 34.6% margin), CADE has room to improve margins relative to the peer group. Compare CADE vs PNFP →
CADE Earnings vs Peers
Earnings metrics vs comparable public companies
CADE Historical Earnings Data (1989–2024)
36 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $524M | -3.4% | $676M | $2.77 | 18.0% | 23.3% |
| 2023 | $542M | +17.1% | $-910,000 | $2.92 | 24.7% | -0.0% |
| 2022 | $463M | +137.4% | $577M | $2.46 | 24.3% | 30.3% |
| 2021 | $195M | -14.4% | $225M | $1.54 | 17.3% | 20.0% |
| 2020 | $228M | -2.7% | $288M | $2.12 | 20.1% | 25.3% |
| 2019 | $234M | +5.8% | $300M | $2.30 | 22.2% | 28.4% |
| 2018 | $221M | +44.6% | $265M | $2.23 | 23.7% | 28.3% |
| 2017 | $153M | +15.3% | $232M | $1.67 | 19.6% | 29.7% |
| 2016 | $133M | +4.1% | $196M | $1.41 | 17.5% | 25.9% |
| 2015 | $127M | +9.2% | $187M | $1.33 | 17.3% | 25.3% |
| 2014 | $117M | +24.1% | $167M | $1.21 | 16.2% | 23.3% |
| 2013 | $94M | +11.6% | $132M | $0.99 | 13.0% | 18.2% |
| 2012 | $84M | +124.4% | $118M | $0.90 | 11.0% | 15.3% |
| 2011 | $38M | +63.8% | $42M | $0.45 | 4.6% | 5.2% |
| 2010 | $23M | -72.3% | $14M | $0.27 | 2.7% | 1.7% |
| 2009 | $83M | -31.3% | $113M | $1.25 | 9.3% | 12.7% |
| 2008 | $120M | -12.7% | $174M | $1.45 | 12.7% | 18.3% |
| 2007 | $138M | +10.2% | $204M | $1.69 | 13.4% | 19.7% |
| 2006 | $125M | +8.7% | $190M | $1.57 | 14.1% | 21.4% |
| 2005 | $115M | +4.1% | $168M | $1.47 | 15.2% | 22.1% |
| 2004 | $111M | -15.6% | $157M | $1.43 | 16.2% | 23.0% |
| 2003 | $131M | +17.1% | $193M | $1.68 | 18.3% | 27.0% |
| 2002 | $112M | +13.8% | $162M | $1.39 | 15.7% | 22.6% |
| 2001 | $98M | +32.3% | $146M | $1.19 | 12.5% | 18.5% |
| 2000 | $74M | -27.3% | $112M | $0.88 | 9.8% | 14.8% |
| 1999 | $102M | +16.1% | $147M | $1.19 | 14.7% | 21.1% |
| 1998 | $88M | +63.6% | $130M | $1.01 | 13.4% | 19.8% |
| 1997 | $54M | +14.0% | $79M | $0.98 | 13.0% | 19.1% |
| 1996 | $47M | +33.2% | $72M | $1.01 | 13.3% | 20.2% |
| 1995 | $36M | +39.8% | $51M | $0.85 | 12.5% | 18.1% |
| 1994 | $25M | -4.5% | $36M | $0.76 | 12.9% | 18.2% |
| 1993 | $27M | +43.0% | $31M | $0.83 | 14.7% | 16.9% |
| 1992 | $19M | +23.2% | $24M | $0.60 | 10.0% | 13.0% |
| 1991 | $15M | +4.9% | $19M | $0.67 | 9.4% | 12.0% |
| 1990 | $14M | +9.1% | $18M | $0.63 | 9.0% | 11.1% |
| 1989 | $13M | - | $16M | $0.58 | 9.0% | 10.8% |
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Intrinsic Valuation
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CADE — Frequently Asked Questions
Quick answers to the most common questions about buying CADE stock.
What is CADE earnings per share (EPS)?
CADE trailing twelve-month (TTM) diluted EPS is $2.81, reflecting -5.1% year-over-year growth. The 5-year EPS CAGR is +3.8%. Complete EPS history from 1989 to 2024 is available in the table on this page.
What is Cadence Bank's net income?
Cadence Bank (CADE) trailing twelve-month net income is $530M as of 2024. Earnings declined -5.1% year-over-year. Cadence Bank has been profitable for 36 consecutive years.
Is CADE profitable?
Yes, CADE is profitable with a TTM net income of $530M and a net profit margin of +18.0%. Cadence Bank has generated profits for 36 consecutive years.
What is CADE's earnings growth rate?
CADE compound annual EPS growth rates (CAGR): 1-Year: -5.1%, 3-Year: +21.6%, 5-Year: +3.8%, 10-Year: +8.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2024.
What are CADE's profit margins?
Cadence Bank net profit margin is +18.0%, operating margin is +23.3%, and gross margin is +59.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.8%.
Is CADE growing earnings?
CADE earnings are declining — EPS fell -5.1% year-over-year. TTM net income dropped to $530M. This contrasts with the 5-year CAGR of +3.8%.
What was CADE's best earnings year?
Cadence Bank's highest annual net income on record is $542M, achieved in fiscal year 2023. Earnings history on this page spans 1989 to 2024 and includes all annual and quarterly figures.
What were CADE's earnings last quarter?
CADE's most recent reported quarter was Q3 2025. Net income was $130M with diluted EPS of $0.67. For a full breakdown of all quarters, see the quarterly earnings table on this page.