Halper Sadeh Llc Encourages Fsun, Cade, Snda Shareholders To Contact The Firm To Discuss Their Rights

What Happened?

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Federal Reserve President John Williams stated he sees “room for a further adjustment” in the near term, sparking a significant market rally. Following his remarks, the probability of the central bank cutting rates at its December meeting jumped from 39% to over 73%, according to the CME FedWatch tool. This positive sentiment provided relief to markets amid concerns over high valuations, particularly in AI-related stocks.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

• Regional Banks company Cadence Bank jumped 4.5%. Is now the time to buy Cadence Bank? Access our full analysis report here, it’s free for active Edge members.
• Thrifts & Mortgage Finance company TFS Financial jumped 4.4%. Is now the time to buy TFS Financial? Access our full analysis report here, it’s free for active Edge members.

Zooming In On Cadence Bank (CADE)

Cadence Bank’s shares are not very volatile and have only had 8 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The biggest move we wrote about over the last year was about 1 month ago when the stock dropped 6.4% on the news that disclosures from two lenders raised concerns about deteriorating loan quality across the industry. The drop was triggered by specific incidents that have spooked investors. Zions Bancorp announced a $50 million charge-off—a debt the bank doesn't expect to collect—on a single loan. Separately, Western Alliance Bancorp revealed it was dealing with a borrower who had failed to provide proper collateral. These events are compounding existing anxieties about the regional banking sector, which is already under pressure from elevated interest rates and declining commercial real estate values. The news heightened investor concerns that more cracks could appear in borrowers' creditworthiness, potentially leading to increased loan losses and reduced profitability for other banks in the sector.

Cadence Bank is up 15.6% since the beginning of the year, and at $38.96 per share, it is trading close to its 52-week high of $39.77 from October 2025. Investors who bought $1,000 worth of Cadence Bank’s shares 5 years ago would now be looking at an investment worth $1,477.

What Happened?

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Fed President John Williams stated that he sees “room for a further adjustment” for interest rates in the near term. Following his speech, traders increased their bets on a rate cut, with the probability of a December reduction jumping from around 39% to over 70%, according to data from CME Group. The positive sentiment was also reflected in the bond market, where the yield on the 10-year Treasury, a benchmark for mortgage rates, eased following the comments.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

• Regional Banks company NBT Bancorp jumped 4.1%. Is now the time to buy NBT Bancorp? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company FirstSun Capital Bancorp jumped 6%. Is now the time to buy FirstSun Capital Bancorp? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company Webster Financial jumped 4.1%. Is now the time to buy Webster Financial? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company UMB Financial jumped 5.4%. Is now the time to buy UMB Financial? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company TowneBank jumped 3.1%. Is now the time to buy TowneBank? Access our full analysis report here, it’s free for active Edge members.

Zooming In On FirstSun Capital Bancorp (FSUN)

FirstSun Capital Bancorp’s shares are not very volatile and have only had 9 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The biggest move we wrote about over the last year was about 1 month ago when the stock dropped 5.4% on the news that disclosures from two lenders raised concerns about deteriorating loan quality across the industry. 

The drop was triggered by specific incidents that have spooked investors. Zions Bancorp announced a $50 million charge-off—a debt the bank doesn't expect to collect—on a single loan. Separately, Western Alliance Bancorp revealed it was dealing with a borrower who had failed to provide proper collateral. These events are compounding existing anxieties about the regional banking sector, which is already under pressure from elevated interest rates and declining commercial real estate values. The news heightened investor concerns that more cracks could appear in borrowers' creditworthiness, potentially leading to increased loan losses and reduced profitability for other banks in the sector.

FirstSun Capital Bancorp is down 16.8% since the beginning of the year, and at $33.16 per share, it is trading 24.6% below its 52-week high of $43.97 from February 2025. Investors who bought $1,000 worth of FirstSun Capital Bancorp’s shares at the IPO in August 2022 would now be looking at an investment worth $1,382.

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 Independent Bank 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 94 regional banks stocks we track reported a satisfactory Q3. As a group, revenues missed analysts’ consensus estimates by 1.1%.

In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results.

Independent Bank

Tracing its roots back to 1907 and serving as a financial cornerstone in New England for over a century, Independent Bank Corp. operates as the holding company for Rockland Trust, providing banking, investment, and financial services across Eastern Massachusetts and Rhode Island.

Independent Bank reported revenues of $243.7 million, up 39.1% year on year. This print was in line with analysts’ expectations, and overall, it was a strong quarter for the company with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ tangible book value per share estimates.

Interestingly, the stock is up 7.5% since reporting and currently trades at $69.23.

Is now the time to buy Independent Bank? Access our full analysis of the earnings results here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp 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 $232.1 million, up 38.5% year on year, outperforming analysts’ expectations by 7%. 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 content with the results as the stock is up 2% since reporting. It currently trades at $66.83.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.6 million, up 38.8% year on year, falling short of analysts’ expectations by 10%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

As expected, the stock is down 20.3% since the results and currently trades at $61.55.

Read our full analysis of The Bancorp’s results here.

Cadence Bank

With roots dating back to 1885 and a strategic focus on middle-market commercial lending, Cadence Bancorporation 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 result missed analysts’ expectations by 0.6%. Taking a step back, it was a mixed quarter as it also logged a solid beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

The stock is up 1.9% since reporting and currently trades at $37.75.

Read our full, actionable report on Cadence Bank here, it’s free for active Edge members.

First Financial Bankshares

With roots dating back to 1890 and a network spanning over 70 locations across the Lone Star State, First Financial Bankshares is a Texas-focused regional bank providing commercial banking, trust services, and wealth management across numerous communities throughout the state.

First Financial Bankshares reported revenues of $161.3 million, up 15.6% year on year. This print beat analysts’ expectations by 1.8%. More broadly, it was a slower quarter as it recorded a significant miss of analysts’ EPS estimates and a slight miss of analysts’ net interest income estimates.

The stock is down 2.2% since reporting and currently trades at $31.14.

Read our full, actionable report on First Financial Bankshares here, it’s free for active Edge members.