Cadence Bank(CADE)Earnings, Financials & Key Ratios

CADE•NYSE•Banking & Credit

$42.11

$7.85B mkt cap·15.2× P/E·Price updated May 1, 2026

SectorFinancial Services IndustryRegional Banks Sub-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%
Tangible BV/Share22.20+9.6%
Debt/Equity0.01-99.3%

Technical→

CADE Key Insights

Cadence Bank (CADE) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 17.5%
✓Efficient operations: 36.0% efficiency ratio
✓12 consecutive years of dividend growth
✓Well capitalized: 11.8% equity/assets
✓Healthy dividend yield of 2.3%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CADE Price & Volume

Cadence Bank (CADE) stock price & volume — 10-year historical chart

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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

Full history →

●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)

Q1 2026Latest

Jan 22, 2026

EPS

$0.85

Est $0.79

+7.6%

Revenue

$528M

Est $526M

+0.5%

Q4 2025

Oct 20, 2025

EPS

$0.81

Est $0.70

+15.2%

Revenue

$517M

Est $523M

-1.2%

Q3 2025

Jul 23, 2025

EPS

$0.73

Est $0.69

+5.8%

Revenue

$445M

Est $501M

-11.2%

Q2 2025

Apr 21, 2025

EPS

$0.71

Est $0.64

+10.9%

Revenue

$429M

Est $467M

-8.3%

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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Return on Equity (ROE)	Debt / Equity
PNFPPinnacle Financial Partners, Inc.Direct Competitor	7.66B	99.67	16.72	15.32%	9.42%	0.39
SFNCSimmons First National CorporationDirect Competitor	3.13B	21.59	-7.32	-56.66%	-11.63%	0.19
HOMBHome Bancshares, Inc.Direct Competitor	5.32B	27.03	13.45	9.47%	10.86%	0.30
IBCPIndependent Bank CorporationDirect Competitor	696.01M	33.81	10.34	-0.3%	14.2%	0.23
HOPEHope Bancorp, Inc.Direct Competitor	1.62B	12.63	27.46	-3.23%	2.62%	0.17
BANRBanner CorporationDirect Competitor	2.24B	66.23	11.74	-0.95%	10.34%	0.19
BOKFBOK Financial CorporationProduct Competitor	10.44B	135.54	16.65	10.4%	8.91%	0.80
UMBFUMB Financial CorporationProduct Competitor	10.2B	133.96	14.67	68.52%	11.67%	0.49

Compare CADE vs Peers

Cadence Bank (CADE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PNFP

Most directly comparable listed peer for CADE.

Scale Benchmark

vs V

Larger-name benchmark to compare CADE against a more recognizable public peer.

Peer Set

Compare Top 5

vs PNFP, SFNC, HOMB, IBCP

CADE Income Statement

Cadence Bank (CADE) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Net Interest Income	453.45M	474.04M	575.22M	649.94M	690.97M	805.71M	1.35B	1.35B	1.44B	1.53B
NII Growth %	4.08%	4.54%	21.35%	12.99%	6.31%	16.61%	67.71%	0%	6.28%	34.94%
Net Interest Margin %	3.08%	3.1%	3.2%	3.09%	2.87%	1.69%	2.78%	2.76%	3.05%	2.87%
Interest Income	483.18M	512.99M	653.49M	775.01M	799.49M	882.05M	1.56B	2.31B	2.55B	2.56B
Interest Expense	29.73M	38.95M	78.27M	125.07M	108.53M	76.32M	209.29M	958.81M	1.11B	1.03B
Loan Loss Provision	4M	3M	4.5M	1.5M	89.04M	138.06M	7M	80M	71M	98M
Non-Interest Income	274.9M	268.03M	282.04M	280.68M	336.5M	242.89M	342.47M	-116.34M	356.51M	284.22M
Non-Interest Income %	36.26%	34.32%	30.15%	26.59%	29.62%	21.59%	18%	-5.3%	12.28%	9.99%
Total Revenue	758.08M▲ 0%	781.02M▲ 3.0%	935.53M▲ 19.8%	1.06B▲ 12.8%	1.14B▲ 7.6%	1.12B▼ 1.0%	1.9B▲ 69.2%	2.19B▲ 15.3%	2.9B▲ 32.4%	2.84B▲ 0%
Revenue Growth %	2.62%	3.03%	19.78%	12.84%	7.61%	-0.97%	69.17%	15.28%	32.37%	299.23%
Non-Interest Expense	527.91M	507.45M	587.63M	629.61M	650.88M	685.82M	1.11B	1.16B	1.05B	1.04B
Efficiency Ratio	69.64%	64.97%	62.81%	59.64%	57.3%	60.97%	58.31%	52.69%	36%	36.56%
Operating Income	196.44M▲ 0%	231.62M▲ 17.9%	265.13M▲ 14.5%	299.52M▲ 13.0%	287.55M▼ 4.0%	224.73M▼ 21.8%	577.02M▲ 156.8%	-910K▼ 100.2%	676.2M▲ 74407.4%	676.12M▲ 0%
Operating Margin %	25.91%	29.66%	28.34%	28.37%	25.31%	19.98%	30.32%	-0.04%	23.29%	23.77%
Operating Income Growth %	5.2%	17.91%	14.46%	12.97%	-4%	-21.84%	156.76%	-100.16%	74407.36%	-
Pretax Income	196.44M▲ 0%	231.62M▲ 17.9%	265.13M▲ 14.5%	299.52M▲ 13.0%	287.55M▼ 4.0%	224.73M▼ 21.8%	577.02M▲ 156.8%	-910K▼ 100.2%	676.2M▲ 74407.4%	676.12M▲ 0%
Pretax Margin %	25.91%	29.66%	28.34%	28.37%	25.31%	19.98%	30.32%	-0.04%	23.29%	23.77%
Income Tax	63.72M	78.59M	43.81M	65.26M	59.49M	45.96M	129.71M	-4.59M	152.59M	145.69M
Effective Tax Rate %	32.43%	33.93%	16.52%	21.79%	20.69%	20.45%	22.48%	504.84%	22.57%	21.55%
Net Income	132.73M▲ 0%	153.03M▲ 15.3%	221.32M▲ 44.6%	234.26M▲ 5.8%	228.05M▼ 2.7%	195.16M▼ 14.4%	463.24M▲ 137.4%	542.3M▲ 17.1%	523.6M▼ 3.4%	530.43M▲ 0%
Net Margin %	17.51%	19.59%	23.66%	22.19%	20.07%	17.35%	24.34%	24.72%	18.03%	18.65%
Net Income Growth %	4.11%	15.3%	44.62%	5.85%	-2.65%	-14.42%	137.36%	17.07%	-3.45%	-18.39%
Net Income (Continuing)	132.73M	153.03M	221.32M	234.26M	228.05M	178.78M	447.32M	3.68M	523.6M	530.43M
EPS (Diluted)	1.41▲ 0%	1.67▲ 18.4%	2.23▲ 33.5%	2.30▲ 3.1%	2.12▼ 7.8%	1.54▼ 27.4%	2.46▲ 59.7%	2.92▲ 18.7%	2.77▼ 5.1%	2.81▲ 0%
EPS Growth %	6.02%	18.44%	33.53%	3.14%	-7.83%	-27.36%	59.74%	18.7%	-5.14%	-20.69%
EPS (Basic)	1.41	1.67	2.24	2.31	2.12	1.54	2.47	2.92	2.81	-
Diluted Shares Outstanding	94.45M	91.75M	99.14M	101.81M	103.31M	120.67M	184.5M	182.61M	185.59M	189.05M

CADE Balance Sheet

Cadence Bank (CADE) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Cash & Short Term Investments	2.75B	3.02B	3.08B	4.81B	6.65B	16.9B	13.94B	12.31B	9.03B	35.18B
Cash & Due from Banks	222.97M	220.72M	332.44M	333.01M	417.37M	1.29B	2B	4.23B	1.73B	1.89B
Short Term Investments	2.53B	2.8B	2.75B	4.48B	6.23B	15.61B	11.94B	8.08B	7.29B	4.42B
Total Investments	13.39B	13.87B	15.88B	18.66B	21.41B	42.38B	42.21B	40.29B	40.82B	40.98B
Investments Growth %	7.21%	3.63%	14.48%	17.51%	14.7%	98%	-0.41%	-4.54%	1.31%	11.17%
Long-Term Investments	10.86B	11.07B	13.13B	14.18B	15.18B	26.78B	30.26B	32.22B	33.53B	139.13B
Accounts Receivables	42.01M	45.67M	57.05M	65.17M	106.32M	0	0	0	0	0
Goodwill & Intangibles	322.69M	318.68M	746.62M	885.69M	907.51M	1.61B	1.49B	1.47B	1.45B	1.66B
Goodwill	300.8M	300.8M	695.72M	825.68M	851.61M	1.41B	1.37B	1.37B	1.37B	1.52B
Intangible Assets	21.89M	17.88M	50.9M	60.01M	55.9M	198.27M	119.58M	100.19M	83.19M	149.04M
PP&E (Net)	305.56M	314.36M	361.86M	480.9M	508.15M	786.43M	792.23M	802.13M	783.46M	855.27M
Other Assets	444.31M	525.73M	622.01M	624.86M	735.71M	1.6B	2.17B	2.14B	2.23B	7.89B
Total Current Assets	2.8B	3.06B	3.14B	4.88B	6.75B	16.9B	13.94B	12.31B	9.03B	6.31B
Total Non-Current Assets	11.93B	12.23B	14.86B	16.17B	17.33B	30.77B	34.71B	36.63B	37.99B	46.98B
Total Assets	14.72B▲ 0%	15.3B▲ 3.9%	18B▲ 17.7%	21.05B▲ 16.9%	24.08B▲ 14.4%	47.67B▲ 98.0%	48.65B▲ 2.1%	48.93B▲ 0.6%	47.02B▼ 3.9%	53.28B▲ 0%
Asset Growth %	6.71%	3.9%	17.67%	16.95%	14.39%	97.95%	2.06%	0.58%	-3.91%	8.18%
Return on Assets (ROA)	0.93%	1.02%	1.33%	1.2%	1.01%	0.54%	0.96%	1.11%	1.09%	1%
Accounts Payable	3.98M	4.88M	8.54M	15.12M	10.88M	0	0	0	0	0
Total Debt	1.09B	2.5B	1.52B	1.54B	939.37M	1.76B	4.47B	4.39B	34.32M	2.29B
Net Debt	865.92M	2.28B	1.18B	1.21B	522M	469.92M	2.48B	157.71M	-1.7B	396.02M
Long-Term Debt	542.89M	30M	6.21M	301.6M	301.65M	482.41M	462.55M	438.46M	10.71M	1.33B
Short-Term Debt	546M	2.47B	1.51B	1.24B	637.72M	1.28B	4.01B	3.95B	23.62M	954.53M
Other Liabilities	219.5M	-833.31M	200.07M	401.71M	462.02M	839.49M	913.9M	879.55M	918.98M	992.61M
Total Current Liabilities	12.24B	14.39B	15.59B	17.66B	20.5B	41.1B	42.97B	42.45B	40.52B	44.88B
Total Non-Current Liabilities	762.39M	-803.31M	206.29M	703.31M	763.68M	1.32B	1.38B	1.32B	929.69M	2.32B
Total Liabilities	13B	13.59B	15.8B	18.37B	21.26B	42.42B	44.34B	43.77B	41.45B	47.2B
Total Equity	1.72B▲ 0%	1.71B▼ 0.6%	2.21B▲ 28.7%	2.69B▲ 21.7%	2.82B▲ 5.1%	5.25B▲ 85.9%	4.31B▼ 17.8%	5.17B▲ 19.9%	5.57B▲ 7.8%	6.08B▲ 0%
Equity Growth %	4.13%	-0.6%	28.73%	21.73%	5.12%	85.94%	-17.85%	19.87%	7.78%	39%
Equity / Assets (Capital Ratio)	11.71%	11.2%	12.25%	12.75%	11.72%	11.01%	8.86%	10.56%	11.85%	11.42%
Return on Equity (ROE)	7.86%	8.9%	11.29%	9.58%	8.28%	4.84%	9.69%	11.44%	9.75%	8.72%
Book Value per Share	18.25	18.67	22.25	26.37	27.32	43.49	23.37	28.30	30.01	32.18
Tangible BV per Share	14.83	15.20	14.72	17.67	18.54	30.18	15.31	20.26	22.20	23.37
Common Stock	234.24M	225.78M	249.49M	261.31M	256.4M	470.84M	456.09M	457.18M	458.82M	465.77M
Additional Paid-in Capital	271.29M	177.62M	484.48M	605.98M	565.19M	2.84B	2.71B	2.74B	2.74B	2.81B
Retained Earnings	1.27B	1.37B	1.55B	1.71B	1.82B	1.91B	2.2B	2.56B	2.9B	3.13B
Accumulated OCI	-50.94M	-63.84M	-80.49M	-62.66M	11.92M	-139.37M	-1.22B	-761.83M	-694.5M	-493.78M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	167.02M	166.99M	166.99M	166.99M	166.99M	166.99M	166.99M

CADE Cash Flow Statement

Cadence Bank (CADE) cash flow — operating, investing & free cash flow history

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Cash from Operations	143.5M	180.84M	223.37M	239.58M	222.89M	1.17B	927.91M	563.51M	856.66M	856.66M
Operating CF Growth %	7.64%	26.03%	23.52%	7.26%	-6.97%	426.14%	-20.88%	-39.27%	52.02%	122.29%
Net Income	132.73M	153.03M	221.32M	234.26M	228.05M	195.16M	463.24M	542.3M	523.6M	530.43M
Depreciation & Amortization	29.27M	30.12M	34.55M	43.08M	75.12M	175.94M	255.82M	238.61M	202.57M	94.07M
Deferred Taxes	10.52M	20.97M	25.92M	1.5M	-240K	-22.06M	7.82M	892K	8.22M	115M
Other Non-Cash Items	-28.33M	22.02M	683K	-227.41M	-170.82M	929.24M	95.41M	-269.48M	20.84M	127.77M
Working Capital Changes	-7.79M	-54.4M	-71.6M	172.84M	77.96M	-123.65M	68.75M	11.2M	68.72M	-313.25M
Cash from Investing	-941.24M	-634.94M	577.59M	-1.29B	-2.43B	-3.15B	-1.71B	2.4B	-782.16M	-1.24B
Purchase of Investments	-891.15M	-981.12M	-579.15M	-2.59B	-3.05B	-7.95B	-884.25M	-2.44B	-851.65M	-1.65B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	2M
Net Investment Activity	-890.16M	-980.12M	-578.15M	-2.59B	-3.05B	-7.95B	-883.25M	-2.44B	-850.65M	-1.64B
Acquisitions	-11.2M	0	134.17M	172.61M	2.07M	2.31B	-11.51M	861.36M	15.31M	2M
Other Investing	-433.03M	-274.48M	-214.06M	17.64M	-740.31M	-179.59M	-3.66B	-2.24B	-1.46B	-3.82B
Cash from Financing	822.74M	451.86M	-689.25M	1.06B	2.29B	2.86B	1.49B	-723.05M	-2.58B	-1.44B
Dividends Paid	-42.31M	-48.35M	-61.54M	-72.76M	-85.95M	-108.75M	-170.26M	-181.28M	-192.13M	-210.71M
Share Repurchases	-24.16M	-112.1M	-194.37M	-71.7M	-91.18M	-185.68M	-183.58M	-2.41M	-35.44M	-11.85M
Stock Issued	2.77M	881K	108K	0	0	0	0	0	0	0
Net Stock Activity	-21.39M	-111.22M	-194.26M	-71.7M	-91.18M	-185.68M	-183.58M	-2.41M	-35.44M	-11.85M
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	-1000K	0
Other Financing	358.46M	227.46M	-391.52M	1.02B	3.07B	3.21B	-863.98M	-459.37M	2B	2.27B
Net Change in Cash	25M▲ 0%	-2.24M▼ 109.0%	111.71M▲ 5082.7%	570K▼ 99.5%	84.36M▲ 14700.4%	877.31M▲ 939.9%	703.47M▼ 19.8%	2.24B▲ 217.9%	-2.5B▼ 211.8%	-2.1B▲ 0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	197.97M	222.97M	220.72M	332.44M	333.01M	417.37M	1.29B	2B	4.23B	1.54B
Cash at End	222.97M	220.72M	332.44M	333.01M	417.37M	1.29B	2B	4.23B	1.73B	1.89B
Interest Paid	28.82M	39.79M	81.96M	131.65M	104.29M	78.72M	190.24M	885.66M	1.1B	1.1B
Income Taxes Paid	47.4M	70.95M	4.94M	55.83M	74.72M	76.8M	72.44M	163.45M	115.08M	10.19M
Free Cash Flow	118.41M▲ 0%	145.11M▲ 22.6%	183.83M▲ 26.7%	184.59M▲ 0.4%	156.94M▼ 15.0%	1.1B▲ 601.2%	833.42M▼ 24.3%	465.22M▼ 44.2%	776.59M▲ 66.9%	507.73M▲ 0%
FCF Growth %	15.06%	22.55%	26.69%	0.41%	-14.98%	601.2%	-24.27%	-44.18%	66.93%	-22.88%

CADE Banking Ratios

Cadence Bank (CADE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	TTM
Return on Equity (ROE)	7.86%	8.9%	11.29%	9.58%	8.28%	4.84%	9.69%	11.44%	9.75%	8.72%
Return on Assets (ROA)	0.93%	1.02%	1.33%	1.2%	1.01%	0.54%	0.96%	1.11%	1.09%	1%
Net Interest Margin	3.08%	3.1%	3.2%	3.09%	2.87%	1.69%	2.78%	2.76%	3.05%	2.87%
Efficiency Ratio	69.64%	64.97%	62.81%	59.64%	57.3%	60.97%	58.31%	52.69%	36%	36.56%
Equity / Assets	11.71%	11.2%	12.25%	12.75%	11.72%	11.01%	8.86%	10.56%	11.85%	11.42%
Book Value / Share	18.25	18.67	22.25	26.37	27.32	43.49	23.37	28.3	30.01	32.18
NII Growth	4.08%	4.54%	21.35%	12.99%	6.31%	16.61%	67.71%	0%	6.28%	8.77%
Dividend Payout	31.88%	31.6%	27.81%	31.06%	33.53%	50.86%	34.71%	31.68%	34.88%	37.49%

CADE SEC Filings & Documents

Cadence Bank (CADE) SEC filings — annual & quarterly reports (10-K, 10-Q)

10-K Annual Reports

FY 2021

Mar 1, 2021·SEC

10-Q Quarterly Reports

FY 2021

Aug 5, 2021·SEC

FY 2021

May 10, 2021·SEC

FY 2020

Nov 9, 2020·SEC

CADE Frequently Asked Questions

Cadence Bank (CADE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Cadence Bank (CADE) grew revenue by 32.4% over the past year. This is strong growth.

Yes, Cadence Bank (CADE) is profitable, generating $530.4M in net income for fiscal year 2024 (18.0% net margin).

Dividend & Returns

Yes, Cadence Bank (CADE) pays a dividend with a yield of 2.34%. This makes it attractive for income-focused investors.

Cadence Bank (CADE) has a return on equity (ROE) of 9.8%. This is below average, suggesting room for improvement.

Industry Metrics

Cadence Bank (CADE) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Cadence Bank (CADE) has an efficiency ratio of 36.0%. This is excellent, indicating strong cost control.

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Cadence Bank (CADE) financial analysis — history, returns, DCA and operating performance tools

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Cadence Bank(CADE)Earnings, Financials & Key Ratios

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