Cadence Bank Q4 adjusted EPS beats expectations

Cadence Bank

22/01/2026 12:04

Overview

Regional bank's Q4 adjusted EPS beat analyst expectations

Net interest margin improved to 3.55% in Q4, driven by balance sheet growth

Company completed strategic mergers, enhancing presence in Georgia and Texas

Outlook

Cadence Bank expects merger with Huntington Bancshares to close on February 1, 2026

Company anticipates enhanced growth from Huntington merger

Cadence Bank did not provide specific financial guidance for future periods in its press release

Result Drivers

NET INTEREST MARGIN - Improvement to 3.55% in Q4 due to balance sheet growth and reduced funding costs

ORGANIC GROWTH - Net organic loan growth of $444.5 mln and core deposit growth of $529.0 mln in Q4

STRATEGIC MERGERS - Completed mergers with FCB Financial and Industry Bancshares, enhancing presence in Georgia and Texas

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Interest Revenue
$686.99 mln
Q4 Adjusted EPS
Beat
$0.85
$0.80 (10 Analysts)
Q4 Net Income
$146.75 mln
Q4 Credit Loss Provision
$28 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 2 "strong buy" or "buy", 8 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for Cadence Bank is $42.00, about 9.6% below its January 21 closing price of $46.46

The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nPn39VmGMa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)