SNV
Synovus Financial Corp.
Banks - Regional
Market Cap$6.95B
5Y Perf.+160.8%
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Stock Comparison
SNV vs CBSH
Revenue, margins, valuation, and 5-year total return — side by side.
CBSH
Commerce Bancshares, Inc.
Banks - Regional
Market Cap$7.66B
5Y Perf.+4.8%
SNV vs CBSH — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SNV | CBSH |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $6.95B | $7.66B |
| Revenue (TTM) | $3.42B | $2.14B |
| Net Income (TTM) | $800M | $566M |
| Gross Margin | 53.8% | 80.0% |
| Operating Margin | 17.7% | 34.2% |
| Forward P/E | 8.9x | 13.0x |
| Total Debt | $1.86B | $3.00B |
| Cash & Equiv. | $2.98B | $803M |
SNV vs CBSH — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SNV
CBSH
| Stock | May 20 | Jan 26 | Return |
|---|---|---|---|
| Synovus Financial C… (SNV) | 100 | 260.8 | +160.8% |
| Commerce Bancshares… (CBSH) | 100 | 104.8 | +4.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SNV vs CBSH
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SNV leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Commerce Bancshares, Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
SNV
Synovus Financial Corp.
The Banking Pick
SNV carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 107.6% 10Y total return vs CBSH's 104.6%
- Lower P/E (8.9x vs 13.0x)
- Efficiency ratio 0.4% vs CBSH's 0.5% (lower = leaner)
Best for: long-term compounding
CBSH
Commerce Bancshares, Inc.
The Banking Pick
CBSH is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 12 yrs, beta 0.70, yield 2.1%
- Rev growth 2.2%, EPS growth 5.4%
- Lower volatility, beta 0.70, Low D/E 78.7%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CBSH | 2.2% NII/revenue growth vs SNV's 1.2% |
| Value | SNV | Lower P/E (8.9x vs 13.0x) |
| Quality / Margins | SNV | Efficiency ratio 0.4% vs CBSH's 0.5% (lower = leaner) |
| Stability / Safety | CBSH | Beta 0.70 vs SNV's 1.25 |
| Dividends | SNV | 3.0% yield, 7-year raise streak, vs CBSH's 2.1% |
| Momentum (1Y) | SNV | +13.2% vs CBSH's -15.1% |
| Efficiency (ROA) | SNV | Efficiency ratio 0.4% vs CBSH's 0.5% |
SNV vs CBSH — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2022
SNV vs CBSH — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSNVLAGGINGCBSH
CBSHCommerce Bancshares, …
2leads
SNVSynovus Financial Cor…
2leads
6 Total Categories
CATEGORYLEADERvs CBSHMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CBSH4/5
Valuation MetricsMultiples, price ratios, and targets
SNV5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CBSH5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SNV5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
CBSH leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SNV is the larger business by revenue, generating $3.4B annually — 1.6x CBSH's $2.1B. CBSH is the more profitable business, keeping 26.5% of every revenue dollar as net income compared to SNV's 14.1%.
| Metric | SNVSynovus Financial… | CBSHCommerce Bancshar… |
|---|---|---|
| RevenueTrailing 12 months | $3.4B | $2.1B |
| EBITDAEarnings before interest/tax | $1.1B | $796M |
| Net IncomeAfter-tax profit | $800M | $566M |
| Free Cash FlowCash after capex | $690M | $570M |
| Gross MarginGross profit ÷ Revenue | +53.8% | +80.0% |
| Operating MarginEBIT ÷ Revenue | +17.7% | +34.2% |
| Net MarginNet income ÷ Revenue | +14.1% | +26.5% |
| FCF MarginFCF ÷ Revenue | +22.3% | +27.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +11.9% | +1.0% |
CBSH leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
SNV leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 12.8x trailing earnings, CBSH trades at a 23% valuation discount to SNV's 16.5x P/E. On an enterprise value basis, SNV's 8.8x EV/EBITDA is more attractive than CBSH's 12.8x.
| Metric | SNVSynovus Financial… | CBSHCommerce Bancshar… |
|---|---|---|
| Market CapShares × price | $6.9B | $7.7B |
| Enterprise ValueMkt cap + debt − cash | $5.8B | $9.9B |
| Trailing P/EPrice ÷ TTM EPS | 16.52x | 12.78x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.91x | 13.02x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.13x |
| EV / EBITDAEnterprise value multiple | 8.77x | 12.80x |
| Price / SalesMarket cap ÷ Revenue | 2.03x | 3.58x |
| Price / BookPrice ÷ Book value/share | 1.38x | 1.90x |
| Price / FCFMarket cap ÷ FCF | 9.08x | 12.93x |
SNV leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
CBSH leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CBSH delivers a 15.3% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $14 for SNV. SNV carries lower financial leverage with a 0.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to CBSH's 0.79x. On the Piotroski fundamental quality scale (0–9), CBSH scores 6/9 vs SNV's 5/9, reflecting solid financial health.
| Metric | SNVSynovus Financial… | CBSHCommerce Bancshar… |
|---|---|---|
| ROE (TTM)Return on equity | +13.7% | +15.3% |
| ROA (TTM)Return on assets | +1.3% | +1.7% |
| ROICReturn on invested capital | +6.6% | +8.4% |
| ROCEReturn on capital employed | +6.8% | +2.3% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.35x | 0.79x |
| Net DebtTotal debt minus cash | -$1.1B | $2.2B |
| Cash & Equiv.Liquid assets | $3.0B | $803M |
| Total DebtShort + long-term debt | $1.9B | $3.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.78x | 1.97x |
CBSH leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SNV leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SNV five years ago would be worth $11,774 today (with dividends reinvested), compared to $8,673 for CBSH. Over the past 12 months, SNV leads with a +13.2% total return vs CBSH's -15.1%. The 3-year compound annual growth rate (CAGR) favors SNV at 24.6% vs CBSH's 5.7% — a key indicator of consistent wealth creation.
| Metric | SNVSynovus Financial… | CBSHCommerce Bancshar… |
|---|---|---|
| YTD ReturnYear-to-date | 0.0% | +0.3% |
| 1-Year ReturnPast 12 months | +13.2% | -15.1% |
| 3-Year ReturnCumulative with dividends | +93.4% | +18.0% |
| 5-Year ReturnCumulative with dividends | +17.7% | -13.3% |
| 10-Year ReturnCumulative with dividends | +107.6% | +104.6% |
| CAGR (3Y)Annualised 3-year return | +24.6% | +5.7% |
SNV leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — SNV and CBSH each lead in 1 of 2 comparable metrics.
Risk & Volatility
CBSH is the less volatile stock with a 0.70 beta — it tends to amplify market swings less than SNV's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SNV currently trades 82.0% from its 52-week high vs CBSH's 78.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SNVSynovus Financial… | CBSHCommerce Bancshar… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 0.70x |
| 52-Week HighHighest price in past year | $61.06 | $66.35 |
| 52-Week LowLowest price in past year | $43.59 | $46.99 |
| % of 52W HighCurrent price vs 52-week peak | +82.0% | +78.6% |
| RSI (14)Momentum oscillator 0–100 | 44.4 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 0 | 1.2M |
Evenly matched — SNV and CBSH each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — SNV and CBSH each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SNV as "Buy" and CBSH as "Hold". Consensus price targets imply 39.9% upside for SNV (target: $70) vs 12.2% for CBSH (target: $59). For income investors, SNV offers the higher dividend yield at 3.03% vs CBSH's 2.07%.
| Metric | SNVSynovus Financial… | CBSHCommerce Bancshar… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $70.00 | $58.50 |
| # AnalystsCovering analysts | 32 | 15 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +2.1% |
| Dividend StreakConsecutive years of raises | 7 | 12 |
| Dividend / ShareAnnual DPS | $1.52 | $1.08 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.9% | +2.7% |
Evenly matched — SNV and CBSH each lead in 1 of 2 comparable metrics.
Key Takeaway
CBSH leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SNV leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallSynovus Financial Corp. (SNV)Leads 2 of 6 categories
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SNV vs CBSH: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SNV or CBSH a better buy right now?
For growth investors, Commerce Bancshares, Inc.
(CBSH) is the stronger pick with 2. 2% revenue growth year-over-year, versus 1. 2% for Synovus Financial Corp. (SNV). Commerce Bancshares, Inc. (CBSH) offers the better valuation at 12. 8x trailing P/E (13. 0x forward), making it the more compelling value choice. Analysts rate Synovus Financial Corp. (SNV) a "Buy" — based on 32 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SNV or CBSH?
On trailing P/E, Commerce Bancshares, Inc.
(CBSH) is the cheapest at 12. 8x versus Synovus Financial Corp. at 16. 5x. On forward P/E, Synovus Financial Corp. is actually cheaper at 8. 9x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — SNV or CBSH?
Over the past 5 years, Synovus Financial Corp.
(SNV) delivered a total return of +17. 7%, compared to -13. 3% for Commerce Bancshares, Inc. (CBSH). Over 10 years, the gap is even starker: SNV returned +106. 4% versus CBSH's +104. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SNV or CBSH?
By beta (market sensitivity over 5 years), Commerce Bancshares, Inc.
(CBSH) is the lower-risk stock at 0. 70β versus Synovus Financial Corp. 's 1. 25β — meaning SNV is approximately 78% more volatile than CBSH relative to the S&P 500. On balance sheet safety, Synovus Financial Corp. (SNV) carries a lower debt/equity ratio of 35% versus 79% for Commerce Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SNV or CBSH?
By revenue growth (latest reported year), Commerce Bancshares, Inc.
(CBSH) is pulling ahead at 2. 2% versus 1. 2% for Synovus Financial Corp. (SNV). On earnings-per-share growth, the picture is similar: Commerce Bancshares, Inc. grew EPS 5. 4% year-over-year, compared to -12. 4% for Synovus Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SNV or CBSH?
Commerce Bancshares, Inc.
(CBSH) is the more profitable company, earning 26. 5% net margin versus 14. 1% for Synovus Financial Corp. — meaning it keeps 26. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CBSH leads at 34. 2% versus 17. 7% for SNV. At the gross margin level — before operating expenses — CBSH leads at 80. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SNV or CBSH more undervalued right now?
On forward earnings alone, Synovus Financial Corp.
(SNV) trades at 8. 9x forward P/E versus 13. 0x for Commerce Bancshares, Inc. — 4. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SNV: 39. 9% to $70. 00.
08Which pays a better dividend — SNV or CBSH?
All stocks in this comparison pay dividends.
Synovus Financial Corp. (SNV) offers the highest yield at 3. 0%, versus 2. 1% for Commerce Bancshares, Inc. (CBSH).
09Is SNV or CBSH better for a retirement portfolio?
For long-horizon retirement investors, Commerce Bancshares, Inc.
(CBSH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 70), 2. 1% yield, +104. 0% 10Y return). Both have compounded well over 10 years (CBSH: +104. 0%, SNV: +106. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SNV and CBSH?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(SNV: 1.2% · CBSH: 2.2%)Net Margin>
%
(SNV: 14.1% · CBSH: 26.5%)P/E Ratio<
x
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