For the quarter ended December 2025, Cadence (CADE) reported revenue of $528.41 million, up 17.2% over the same period last year. EPS came in at $0.85, compared to $0.70 in the year-ago quarter.
The reported revenue represents a surprise of +0.9% over the Zacks Consensus Estimate of $523.7 million. With the consensus EPS estimate being $0.79, the EPS surprise was +7.26%.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 54.9% versus 56.3% estimated by four analysts on average.
- Net Interest Margin: 3.6% compared to the 3.5% average estimate based on four analysts.
- Average Balance - Total interest earning assets: $47.87 billion versus $48.77 billion estimated by three analysts on average.
- Net charge-offs to average loans: 0.3% compared to the 0.3% average estimate based on three analysts.
- Non-Performing Loans: $248.55 million versus the two-analyst average estimate of $251.17 million.
- Non-Performing Assets: $260.4 million compared to the $267.2 million average estimate based on two analysts.
- Total noninterest income: $101.49 million versus the four-analyst average estimate of $96.18 million.
- Net Interest Income: $426.92 million versus the three-analyst average estimate of $427.67 million.
- Net Interest Income (FTE): $427.73 million versus $426.76 million estimated by three analysts on average.
- Credit card, debit card and merchant fees: $13.7 million compared to the $13.82 million average estimate based on two analysts.
- Other noninterest income: $37.11 million versus the two-analyst average estimate of $28.42 million.
- Deposit Service charges: $19.15 million versus $19.28 million estimated by two analysts on average.
View all Key Company Metrics for Cadence here>>>
Shares of Cadence have returned +5.9% over the past month versus the Zacks S&P 500 composite's +0.7% 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.
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Cadence Bank (CADE): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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