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CADE

Cadence Bank

CADE

Cadence Bank • NYSE
$39.84 ▲ 0.18% (+0.07)
Market Cap $7.36 B
52w High $40.23
52w Low $25.22
Dividend Yield 1.07%
P/E 14.38
Volume 752.22K
Outstanding Shares 184.65M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $485.205M ▼ $248.436M ▼ $129.849M ▼ 26.762% ▲ $0.68 ▼ $0 ▼
Q2-2025 $733.78M ▲ $272.863M ▲ $134.645M ▲ 18.35% ▼ $0.7 $176.504M ▲
Q1-2025 $428.539M ▼ $212.738M ▼ $133.222M ▲ 31.087% ▲ $0.7 $0 ▼
Q4-2024 $706.486M ▼ $266.185M ▲ $132.715M ▼ 18.785% ▲ $0.7 ▼ $214.897M ▼
Q3-2024 $733.614M $259.438M $136.439M 18.598% $0.74 $224.797M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.889B ▼ $53.282B ▲ $47.199B ▲ $6.083B ▲
Q2-2025 $10.374B ▲ $50.379B ▲ $44.463B ▲ $5.916B ▲
Q1-2025 $9.479B ▲ $47.743B ▲ $42.025B ▲ $5.719B ▲
Q4-2024 $9.026B ▼ $47.019B ▼ $41.45B ▼ $5.57B ▼
Q3-2024 $11.83B $49.205B $43.632B $5.573B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $134.645M ▲ $143.501M ▼ $-1.947B ▼ $1.773B ▲ $-30.743M ▲ $120.612M ▼
Q1-2025 $133.222M ▲ $188.533M ▲ $-913.011M ▼ $560.202M ▲ $-164.276M ▲ $177.352M ▲
Q4-2024 $132.715M ▼ $58.138M ▼ $-217.653M ▼ $-2.097B ▼ $-2.257B ▼ $36.317M ▼
Q3-2024 $136.439M ▼ $256.463M ▲ $263.809M ▲ $857.319M ▲ $1.378B ▲ $246.853M ▲
Q2-2024 $137.472M $183.342M $-89.571M $-520.71M $-426.939M $169.791M

Five-Year Company Overview

Income Statement

Income Statement Cadence Bank’s income statement shows a business that has grown meaningfully in recent years, but with some bumps along the way. Revenue has expanded strongly over the five‑year period, especially in the most recent year, which suggests the bank has been successful in adding customers, loans, or fee-based services. Profitability has been more uneven. Core profits dipped noticeably in 2023, likely reflecting higher funding costs, merger and integration work, or credit-related pressures, but rebounded in 2024 as the bank adjusted to the new rate environment and extracted more efficiencies. Net income over the whole period looks relatively steady rather than strongly rising, which means margins have been under some pressure even as the business got bigger. Earnings per share tell a similar story: good overall earnings power, but not a smooth, upward line. This pattern is typical of regional banks navigating shifting interest rates and integration of acquisitions—solid underlying franchise, but earnings that can swing year to year.

Balance Sheet

Balance Sheet The balance sheet portrays a sizable regional bank with a generally stable foundation. Total assets sit at a high level and have been relatively steady in recent years after a step-change increase earlier in the period, consistent with prior mergers or expansion. Shareholders’ equity has grown over time, which signals that the bank is retaining earnings and building capital. That gives it more capacity to absorb shocks and support future growth. Debt rose earlier in the period but then dropped sharply in the most recent year, indicating deliberate de‑leveraging and a cleaner funding mix. Cash balances have moved around more, with a particularly high level in 2023 that then normalized in 2024. These shifts are common for banks as they reposition their securities portfolios and funding in response to interest rates and regulation, but the overall picture still suggests adequate liquidity and strengthening capital.

Cash Flow

Cash Flow Cash flow is a relative bright spot. Cadence has consistently generated positive cash from operations each year, even through a volatile interest-rate environment. That indicates its core banking activities—taking deposits, making loans, and earning fees—produce reliable cash. Spending on technology and physical investments has been modest relative to operating cash flow, so the bank has been able to produce solid free cash flow year after year. The particularly strong cash generation a few years ago likely reflected unusual pandemic-era conditions and balance-sheet reshuffling, while more recent years show a more normalized, but still healthy, level. Overall, the cash flow pattern suggests a business that does not rely on heavy ongoing capital spending to function, leaving room to fund growth initiatives, dividends, or balance-sheet strengthening from internally generated cash.

Competitive Edge

Competitive Edge Cadence Bank occupies a strong niche as a regional bank centered in the Southeast and Texas, markets that have enjoyed attractive demographic and economic trends. Its competitive edge leans heavily on deep local relationships, community focus, and specialized lending capabilities rather than sheer national scale. The bank has carved out expertise in areas like asset‑based lending and financing for technology companies, as well as high-touch private banking and wealth management. These niches allow Cadence to compete on tailored solutions and service quality, not just on pricing. At the same time, it operates in a crowded field. Large national banks, other regional players, and digital‑first fintechs are all vying for the same customers. That puts ongoing pressure on deposit pricing, loan spreads, and technology investment. Cadence’s community reputation, relationship banking model, and specialization help offset this, but they must continually deliver strong service and maintain credit discipline to hold their ground.

Innovation and R&D

Innovation and R&D In banking, “R&D” shows up as technology and product innovation rather than labs and patents, and Cadence has been quite active here. The move to a cloud‑hosted core platform with FIS is a major modernization step. It should improve scalability, efficiency, and speed to market for new products, while also enhancing security and resilience. This kind of core upgrade is complex to execute but can materially improve the bank’s long‑term cost structure and flexibility. On the customer side, Cadence has built out a modern digital banking experience, including mobile and online services, real‑time payments, and advanced treasury management tools for businesses. The partnership with Magnusmode and the “MagnusCards” for neurodivergent customers is a standout example of inclusive design and a differentiated service that few banks currently offer. Management’s roadmap highlights continued investment in cybersecurity, data infrastructure, APIs, and digital sales channels. If executed well, these efforts can deepen customer engagement, reduce manual processes, and widen the bank’s moat versus slower-moving regional competitors. The main risk is execution: large systems transitions and ongoing tech spending must be carefully managed to avoid service disruptions and cost overruns.

Summary

Cadence Bank looks like a mature regional franchise that has grown meaningfully and is working through the usual challenges of scale, integration, and a volatile rate environment. On the financial side, revenue growth has been strong, but profits have moved more unevenly as margins adjusted to higher funding costs and competitive pressure. The balance sheet shows a solid capital base, reduced reliance on debt, and adequate liquidity, all of which support resilience. Cash generation from core operations has been steady and comfortably covers investment needs. Strategically, the bank’s strengths lie in its deep regional roots, relationship banking model, and specialized lending and wealth capabilities. Its technology program—especially the cloud core migration, digital enhancements, and inclusive offerings like MagnusCards—suggests a management team intent on staying competitive in a rapidly changing industry. Key uncertainties revolve around the usual banking risks: interest-rate shifts, credit quality in its specialized loan books, competitive pressure on deposits, and the complexity of ongoing technology transformation. Overall, Cadence appears to combine a traditional community‑oriented banking foundation with a deliberate, though still evolving, push into modern digital capabilities.

NEWS

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November 12, 2025 · 3:00 PM UTC

Cadence Bank Named 2025 Best Bank to Work For by American Banker

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October 28, 2025 · 6:20 AM UTC

CADE Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Cadence Bank Is Fair to Shareholders

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October 27, 2025 · 11:11 AM UTC

Shareholder Alert: The Ademi Firm investigates whether Cadence Bank is obtaining a Fair Price for its Public Shareholders

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October 27, 2025 · 8:41 AM UTC

CADE Stock Alert: Halper Sadeh LLC is Investigating Whether the Sale of Cadence Bank is Fair to Shareholders

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