Back to top

Image: Bigstock

Cadence (CADE) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Read MoreHide Full Article

For the quarter ended September 2025, Cadence (CADE - Free Report) reported revenue of $517.21 million, up 15.6% over the same period last year. EPS came in at $0.81, compared to $0.73 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $527.63 million, representing a surprise of -1.98%. The company delivered an EPS surprise of +3.85%, with the consensus EPS estimate being $0.78.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Cadence performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Adjusted Efficiency Ratio fully tax equivalent: 56.5% compared to the 56.1% average estimate based on four analysts.
  • Net Interest Margin: 3.5% compared to the 3.5% average estimate based on four analysts.
  • Average Balance - Total interest earning assets: $48.81 billion versus the three-analyst average estimate of $49.42 billion.
  • Net charge-offs to average loans: 0.3% compared to the 0.2% average estimate based on three analysts.
  • Non-Performing Loans: $249.82 million compared to the $241.79 million average estimate based on two analysts.
  • Non-Performing Assets: $266.07 million compared to the $258.39 million average estimate based on two analysts.
  • Total noninterest income: $93.48 million compared to the $99 million average estimate based on four analysts.
  • Net Interest Income: $423.73 million compared to the $427 million average estimate based on three analysts.
  • Net Interest Income (FTE): $425.8 million compared to the $428.6 million average estimate based on three analysts.
  • Credit card, debit card and merchant fees: $13.48 million versus $13.22 million estimated by two analysts on average.
  • Other noninterest income: $27.65 million compared to the $28.17 million average estimate based on two analysts.
  • Deposit Service charges: $19.05 million versus $18.59 million estimated by two analysts on average.

View all Key Company Metrics for Cadence here>>>

Shares of Cadence have returned -2.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

See More Zacks Research for These Tickers


Normally $25 each - click below to receive one report FREE:


Cadence Bank (CADE) - free report >>

Published in