Cadence Bank vs Pinnacle Financial Partners

Cadence Bank and Pinnacle Financial Partners Inc are the subjects of this page. It compares business models, financial performance, and market context, providing a neutral overview to help readers understand similarities and differences between the organisations. Educational content, not financial advice.

Cadence Bank and Pinnacle Financial Partners Inc are the subjects of this page. It compares business models, financial performance, and market context, providing a neutral overview to help readers und...

About The Companies

Cadence Bank (CADE)

Cadence Bank (ticker: CADE) is a US regional banking group offering commercial and consumer banking, wealth management and related services. With a market capitalisation of about $6.64 billion, the bank focuses on relationship-led lending to small and mid-sized businesses, deposit gathering and fee-based services. Investors should note Cadence’s performance is tied to interest-rate trends, loan credit quality and regional economic activity; these factors can influence net interest margins, loan loss provisions and deposit behaviour. The company has grown through mergers and acquisitions in recent years, which can bring both scale benefits and integration risks. This summary is for general educational purposes only and not personalised financial advice. Banking stocks can be cyclical and carry sector-specific risks; prospective investors should review Cadence’s latest financial reports, regulatory filings and consult a qualified adviser to assess suitability for individual circumstances.

Pinnacle Financial Partners (PNFP)

Pinnacle Financial Partners (PNFP) is a US regional bank headquartered in Nashville, Tennessee, with a market capitalisation around $6.9 billion. It provides commercial banking, consumer lending, mortgage services, wealth management and insurance through a network of branches and digital channels. Key investor considerations include sensitivity to net interest margin (the spread between lending and deposit rates), loan portfolio quality and the composition of deposits versus wholesale funding. Growth can come from loan originations, fee income from wealth and insurance, and selective acquisitions, while capital adequacy and credit trends matter for stability. Regulatory oversight, local economic conditions and competition from larger banks and fintechs affect prospects. Historically Pinnacle has paid dividends and re-invested in business development, but payouts can vary. This summary is educational only and not investment advice; values can fall as well as rise and suitability depends on your circumstances. Consider speaking to a regulated financial adviser before making decisions.

Comparison Snapshot

Key Financial Metrics

CADE

Metric

PNFP

$8.19B

Market Cap

$7.84B

-4.52%

Potential Profit

9.57%

Hold

Analyst Rating

Buy

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

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Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

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Investment Analysis

Cadence Bank

CADE

Pros

Reported strong third quarter 2025 earnings with adjusted net income of $152.8 million and EPS of $0.81, exceeding analyst expectations.
Completed the acquisition of Industry Bancshares in mid-2025, adding approximately $4.1 billion in assets to enhance scale.
Achieved an 18% year-over-year increase in adjusted pre-tax pre-provision net revenue, reflecting improved operational efficiency and growth.

Considerations

Currently subject to acquisition by Huntington Bancshares, creating near-term integration and execution risks.
Exposure to regional US banking markets which can be affected by regional economic fluctuations and competition.
Relatively modest credit card and merchant fee revenue growth with $13.5 million in Q3 2025, indicating moderate fee income expansion.

Pinnacle Financial Partners

PNFP

Pros

Operates in 14 urban markets across the Southeastern US, providing diverse banking, wealth management, and treasury services.
Combines personalized community bank service with a broad product suite including advanced digital banking and cash management.
Strong brand presence and market niche in growing Southeastern metropolitan areas, supporting steady deposit and loan growth.

Considerations

Concentration in Southeastern urban markets exposes it to regional economic cycles and potential demographic shifts.
Competitive pressure from larger national and regional banks offering similar digital and wealth management services.
Limited recent public financial disclosure compared to peers may increase uncertainty about near-term performance trends.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Investment Analysis

Cadence Bank

Pros

Considerations

Pinnacle Financial Partners

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

About The Companies

Comparison Snapshot

Cadence Bank vs Pinnacle Financial Partners

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Investment Analysis

Cadence Bank

Pros

Considerations

Pinnacle Financial Partners

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Cadence Bank vs PJT Partners

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Frequently asked questions

What does it mean to compare the business models of Cadence Bank and Pinnacle Financial Partners Inc?

How should I interpret a bank’s earnings and non‑GAAP metrics in this comparison?

Which factors should I weigh when assessing growth potential between the two banks?

How does an acquisition affect a bank’s risk profile in a comparison page?

What does market position tell me about a stock’s potential volatility?

How should regional economic conditions influence the read‑through of this comparison?

What role does fee income play in judging a bank’s performance here?

How should a beginner use this page to form a balanced view of both stocks?

What is the importance of time horizon when evaluating these banks from this page?

Why is it useful to compare more than one metric rather than a single figure?

What educational disclaimer accompanies this content?

About The Companies

Comparison Snapshot