
The end of an earnings season can be a great time to discover new stocks and assess how companies are handling the current business environment. Let’s take a look at how Cadence Bank (NYSE: CADE) and the rest of the regional banks stocks fared in Q3.
Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.
The 101 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.
Luckily, regional banks stocks have performed well with share prices up 10.8% on average since the latest earnings results.
Cadence Bank (NYSE: CADE)
With roots dating back to 1885 and a strategic focus on middle-market commercial lending, Cadence Bancorporation (NYSE: CADE) is a bank holding company that provides commercial banking, retail banking, and wealth management services to middle-market businesses and individuals.
Cadence Bank reported revenues of $519.3 million, up 15.1% year on year. This print fell short of analysts’ expectations by 0.7%. Overall, it was a mixed quarter for the company with a solid beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

Interestingly, the stock is up 23.2% since reporting and currently trades at $45.66.
Is now the time to buy Cadence Bank? Access our full analysis of the earnings results here, it’s free.
Best Q3: Customers Bancorp (NYSE: CUBI)
Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp (NYSE: CUBI) is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.
Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 23.6% since reporting. It currently trades at $81.
Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free.
Weakest Q3: The Bancorp (NASDAQ: TBBK)
Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp (NASDAQ: TBBK) is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.
The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.
The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 9% since the results and currently trades at $70.27.
Read our full analysis of The Bancorp’s results here.
Zions Bancorporation (NASDAQ: ZION)
Founded in 1873 during Utah's pioneer era and named after Mount Zion in the Bible, Zions Bancorporation (NASDAQ: ZION) operates seven regional banks across the Western United States, providing commercial, retail, and wealth management services to over a million customers.
Zions Bancorporation reported revenues of $872 million, up 9.3% year on year. This result beat analysts’ expectations by 2.7%. It was a strong quarter as it also logged an impressive beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.
The stock is up 17% since reporting and currently trades at $60.84.
Read our full, actionable report on Zions Bancorporation here, it’s free.
F.N.B. Corporation (NYSE: FNB)
Tracing its roots back to 1864 during the Civil War era, F.N.B. Corporation (NYSE: FNB) is a diversified financial services holding company that provides banking, wealth management, and insurance services to consumers and businesses across seven states and Washington, D.C.
F.N.B. Corporation reported revenues of $460.6 million, up 10.7% year on year. This print surpassed analysts’ expectations by 2.8%. Overall, it was a strong quarter as it also recorded an impressive beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.
The stock is up 20.2% since reporting and currently trades at $17.61.
Read our full, actionable report on F.N.B. Corporation here, it’s free.
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