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SNVSynovus Financial Corp.
$50.05$6.9B
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SNV logoSynovus Financial Corp.(SNV)Earnings, Financials & Key Ratios

SNV•NYSE•Banking & Credit
16.5× P/E·Price updated Jun 8, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutSynovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company's commercial banking services include treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services comprise accepting customary types of demand and savings deposits accounts; mortgage, installment, and other consumer loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet-based banking services; and bank credit and debit card services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, and financial planning services, as well as provides individual investment advice on equity and other securities. As of December 31, 2020, it operated through 289 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. The company was founded in 1888 and is headquartered in Columbus, Georgia.Show more
  • Net Interest Income$1.75B-3.7%
  • Total Revenue$3.42B+1.2%
  • Net Income$482M-11.3%
  • Return on Equity9.27%-18.0%
  • Net Interest Margin2.9%-4.4%
  • Efficiency Ratio36.18%-4.3%
  • ROA0.8%-11.6%
  • Equity / Assets8.74%+1.7%
  • Book Value per Share36.32+3.6%

SNV Key Insights

Synovus Financial Corp. (SNV) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 36.2% efficiency ratio
  • ✓Healthy dividend yield of 3.0%
  • ✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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SNV Price & Volume

Synovus Financial Corp. (SNV) stock price & volume — 10-year historical chart

Loading chart...

SNV Growth Metrics

Synovus Financial Corp. (SNV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.22%
5 Years7.31%
3 Years17.64%
TTM-

Profit CAGR

10 Years9.47%
5 Years-3.07%
3 Years-14.07%
TTM120.81%

EPS CAGR

10 Years8.58%
5 Years-2.68%
3 Years-14.8%
TTM142.08%

Return on Capital

10 Years9.08%
5 Years8.88%
3 Years8.32%
Last Year6.77%

SNV Recent Earnings

Synovus Financial Corp. (SNV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 4/12 qtrs (36%)
Q1 2026Latest
Jan 21, 2026
Metric
Actual
Est
EPS
$1.25-11.3%
$1.41
Rev
—
$615M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$1.46+7.4%
$1.36
Rev
$615M+1.8%
$604M
Q3 2025
Jul 16, 2025
Metric
Actual
Est
EPS
$1.48+18.4%
$1.25
Rev
$594M+1.3%
$586M
Q2 2025
Apr 16, 2025
Metric
Actual
Est
EPS
$1.30+16.1%
$1.12
Rev
$569M-0.2%
$570M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestJan 21, 2026
$1.25vs $1.41-11.3%
—vs $615M
Q4 2025Oct 15, 2025
$1.46vs $1.36+7.4%
$615Mvs $604M+1.8%
Q3 2025Jul 16, 2025
$1.48vs $1.25+18.4%
$594Mvs $586M+1.3%
Q2 2025Apr 16, 2025
$1.30vs $1.12+16.1%
$569Mvs $570M-0.2%
Based on last 12 quarters of dataView full earnings history →

SNV Peer Comparison

Synovus Financial Corp. (SNV) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.13B133.0614.5768.52%19.79%11.67%0.49
WTFC logoWTFCWintrust Financial CorporationDirect Competitor10.39B154.1113.336.66%19.48%11.71%0.62
CBSH logoCBSHCommerce Bancshares, Inc.Direct Competitor8.04B54.7313.412.23%26.47%15.34%0.79
FHN logoFHNFirst Horizon CorporationDirect Competitor12.31B24.8113.200.97%19.99%10.71%0.50
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.69B16.8612.134.38%17.71%10.04%0.76
CFG logoCFGCitizens Financial Group, Inc.Direct Competitor29.21B67.0817.38-9.71%16.42%7.16%0.43
BOKF logoBOKFBOK Financial CorporationDirect Competitor7.92B130.3314.20-1.07%17.38%9.79%0.78
SFNC logoSFNCSimmons First National CorporationProduct Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19

Compare SNV vs Peers

Synovus Financial Corp. (SNV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs UMBF

Most directly comparable listed peer for SNV.

Scale Benchmark

vs V

Larger-name benchmark to compare SNV against a more recognizable public peer.

Peer Set

Compare Top 5

vs UMBF, WTFC, CBSH, FHN

SNV Income Statement

Synovus Financial Corp. (SNV) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income
899.18M1.02B1.15B1.6B1.51B1.53B1.8B1.82B1.75B1.84B
NII Growth %
8.69%13.8%12.23%38.96%-5.2%1.34%17.22%1.1%-3.69%25.9%
Net Interest Margin %
2.99%3.28%3.52%3.31%2.78%2.67%3.01%3.04%2.9%3.05%
Interest Income
1.02B1.16B1.34B2.05B1.8B1.65B2.08B3.05B3.19B3.13B
Interest Expense
123.62M139.19M195.89M454.83M291.75M120.4M278.89M1.23B1.44B1.29B
Loan Loss Provision
28M67.19M51.7M87.72M355.02M-106.25M84.55M175.95M136.69M-251.7M
Non-Interest Income
273.19M345.33M280.09M355.9M506.51M450.07M403.34M334.96M230.9M194.26M
Non-Interest Income %
21.08%22.9%17.24%14.79%21.92%21.4%16.27%9.89%6.74%5.84%
Total Revenue
1.3B▲ 0%
1.51B▲ 16.3%
1.62B▲ 7.7%
2.41B▲ 48.1%
2.31B▼ 4.0%
2.1B▼ 9.0%
2.48B▲ 17.9%
3.39B▲ 36.6%
3.42B▲ 1.2%
3.33B▲ 0%
Revenue Growth %
6.89%16.34%7.73%48.15%-3.97%-8.98%17.86%36.55%1.16%8.25%
Non-Interest Expense
755.92M821.31M829.46M1.1B1.18B1.1B1.15B1.28B1.24B1.28B
Efficiency Ratio
58.33%54.47%51.06%45.67%51.04%52.29%46.45%37.8%36.18%38.46%
Operating Income
388.45M▲ 0%
480.14M▲ 23.6%
547.35M▲ 14.0%
765.01M▲ 39.8%
484.67M▼ 36.6%
989.36M▲ 104.1%
964.18M▼ 2.5%
696.16M▼ 27.8%
604.95M▼ 13.1%
1.01B▲ 0%
Operating Margin %
29.97%31.84%33.7%31.79%20.97%47.04%38.89%20.56%17.67%30.36%
Operating Income Growth %
8.33%23.6%14%39.77%-36.65%104.13%-2.55%-27.8%-13.1%-
Pretax Income
388.45M▲ 0%
480.14M▲ 23.6%
547.35M▲ 14.0%
765.01M▲ 39.8%
484.67M▼ 36.6%
989.36M▲ 104.1%
964.18M▼ 2.5%
696.16M▼ 27.8%
604.95M▼ 13.1%
1.01B▲ 0%
Pretax Margin %
29.97%31.84%33.7%31.79%20.97%47.04%38.89%20.56%17.67%30.36%
Income Tax
141.67M204.66M118.88M201.24M110.97M228.89M206.28M154.02M125.5M212.15M
Effective Tax Rate %
36.47%42.63%21.72%26.3%22.9%23.14%21.39%22.12%20.75%21%
Net Income
246.78M▲ 0%
275.47M▲ 11.6%
428.48M▲ 55.5%
563.78M▲ 31.6%
373.69M▼ 33.7%
760.47M▲ 103.5%
757.9M▼ 0.3%
543.71M▼ 28.3%
482.46M▼ 11.3%
800.15M▲ 0%
Net Margin %
19.04%18.27%26.38%23.43%16.17%36.15%30.57%16.06%14.09%24.05%
Net Income Growth %
9.16%11.63%55.54%31.58%-33.72%103.5%-0.34%-28.26%-11.26%120.81%
Net Income (Continuing)
246.78M275.47M428.48M563.78M373.69M760.47M757.9M542.14M479.45M797.87M
EPS (Diluted)
1.89▲ 0%
2.17▲ 14.8%
3.47▲ 59.9%
3.47▲ 0.0%
2.30▼ 33.7%
4.90▲ 113.0%
4.95▲ 1.0%
3.46▼ 30.1%
3.03▼ 12.4%
5.70▲ 0%
EPS Growth %
16.67%14.81%59.91%0%-33.72%113.04%1.02%-30.1%-12.43%142.08%
EPS (Basic)
1.902.193.493.502.314.954.993.483.05-
Diluted Shares Outstanding
125.08M122.01M118.38M156.06M148.21M148.5M146.48M146.73M145M140.29M

SNV Balance Sheet

Synovus Financial Corp. (SNV) balance sheet — assets, liabilities & shareholders' equity

MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments
4.66B4.87B5.12B7.89B12.1B13.86B11.62B12.2B10.53B36.38B
Cash & Due from Banks
940.99M885.09M1.13B1.11B4.14B2.94B1.94B2.41B2.98B2.24B
Short Term Investments
3.72B3.99B3.99B6.78B7.96B10.92B9.68B9.79B7.55B2.45B
Total Investments
27.46B28.67B29.86B44.42B47.07B51.23B53.98B53.57B53.32B2.45B
Investments Growth %
6.07%4.39%4.14%48.78%5.97%8.83%5.38%-0.77%-0.47%-94.03%
Long-Term Investments
23.74B24.68B25.86B37.64B39.11B40.31B44.3B43.78B45.76B136.18B
Accounts Receivables
100.21M123.91M146.76M204.83M266.15M226.98M378.67M480.03M699.77M0
Goodwill & Intangibles
72.9M68.57M67.19M552.94M497.5M487.99M479.51M526.37M514.76M506.88M
Goodwill
59.68M57.31M57.31M497.27M452.39M452.39M452.39M480.44M480.44M480.44M
Intangible Assets
13.22M11.25M9.88M55.67M45.11M35.6M27.12M45.93M34.32M26.44M
PP&E (Net)
417.49M426.81M434.31M868.66M844.34M818.71M792.11M838.88M813.18M376.01M
Other Assets
677.09M803.36M820.3M1.22B1.15B995.1M1.32B1.17B1.2B0
Total Current Assets
4.8B5.08B5.34B8.17B12.43B14.14B12.06B12.75B11.28B4.69B
Total Non-Current Assets
25.07B25.94B27.12B39.67B41.97B42.94B47.67B46.82B48.77B882.89M
Total Assets
30.1B▲ 0%
31.22B▲ 3.7%
32.67B▲ 4.6%
48.2B▲ 47.5%
54.39B▲ 12.8%
57.32B▲ 5.4%
59.73B▲ 4.2%
59.81B▲ 0.1%
60.23B▲ 0.7%
60.49B▲ 0%
Asset Growth %
4.55%3.71%4.64%47.55%12.84%5.37%4.21%0.13%0.71%5.49%
Return on Assets (ROA)
0.84%0.9%1.34%1.39%0.73%1.36%1.29%0.91%0.8%1.32%
Accounts Payable
0000000000
Total Debt
2.32B1.87B2.54B4.07B1.43B1.47B1.58B1.42B1.86B3.07B
Net Debt
1.38B982.24M1.42B2.96B-2.71B-1.47B-358.21M-992.5M-1.11B830.75M
Long-Term Debt
2.16B1.6B1.66B2.15B1.2B1.2B834.6M1.23B1.73B3.01B
Short-Term Debt
159.7M261.19M887.69M1.92B227.92M264.13M746.6M189.07M131.73M62.47M
Other Liabilities
207.44M245.04M270.42M782.94M1.1B1.12B4.8B2.5B2.01B51.58B
Total Current Liabilities
24.81B26.41B27.61B40.32B46.93B49.69B49.62B50.93B51.23B62.47M
Total Non-Current Liabilities
2.37B1.85B1.93B2.94B2.31B2.33B5.63B3.73B3.74B54.58B
Total Liabilities
27.18B28.26B29.54B43.26B49.23B52.02B55.26B54.67B54.97B54.65B
Total Equity
2.93B▲ 0%
2.96B▲ 1.1%
3.13B▲ 5.8%
4.94B▲ 57.7%
5.16B▲ 4.4%
5.3B▲ 2.6%
4.48B▼ 15.5%
5.14B▲ 14.9%
5.27B▲ 2.4%
5.84B▲ 0%
Equity Growth %
-2.41%1.15%5.81%57.7%4.44%2.62%-15.5%14.93%2.37%29.37%
Equity / Assets (Capital Ratio)
9.73%9.49%9.59%10.25%9.49%9.24%7.49%8.6%8.74%9.65%
Return on Equity (ROE)
8.33%9.35%14.06%13.96%7.4%14.54%15.51%11.3%9.27%14.45%
Book Value per Share
23.4124.2726.4731.6734.8235.6730.5635.0636.3241.62
Tangible BV per Share
22.8323.7125.9028.1231.4732.3827.2831.4732.7738.01
Common Stock
142.03M142.68M143.3M166.8M168.13M169.38M170.14M171.36M172.19M172.73M
Additional Paid-in Capital
3.03B3.04B3.06B3.82B3.85B3.89B3.92B3.96B3.99B4B
Retained Earnings
351.77M544.21M843.77M1.07B1.18B1.71B2.23B2.52B2.74B3.15B
Accumulated OCI
-55.66M-54.75M-94.42M65.64M158.63M-82.32M-1.44B-1.12B-970.76M-676.8M
Treasury Stock
-664.6M-839.67M-1.01B-715.56M-731.81M-931.5M-944.48M-944.48M-1.22B-1.36B
Preferred Stock
125.98M125.98M195.14M537.14M537.14M537.14M537.14M537.14M537.14M537.14M

SNV Cash Flow Statement

Synovus Financial Corp. (SNV) cash flow — operating, investing & free cash flow history

MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations
465.89M631.2M538.05M621.05M17.03M794.02M1.19B1.28B821.03M701.67M
Operating CF Growth %
4.7%35.48%-14.76%15.43%-97.26%4561.91%50.06%7.65%-35.99%59.25%
Net Income
246.78M275.47M428.48M563.78M373.69M760.47M757.9M542.14M479.45M800.15M
Depreciation & Amortization
58.23M59.12M55.17M8.08M69.63M113.55M69.17M93.46M60.41M54.66M
Deferred Taxes
128.84M231.06M36.22M86.63M-86.19M45M10.87M16.84M19.37M12.46M
Other Non-Cash Items
32.26M96.81M63.3M22.64M-265.45M-96.83M417.69M639.45M353.65M-177.85M
Working Capital Changes
-13.84M-45.44M-61.76M-84.57M-93.28M-55.97M-92.05M-41.49M-123.9M-17.09M
Cash from Investing
-1.42B-1.47B-1.34B-2.15B-2.35B-4.38B-4.86B323.97M177.57M-556.49M
Purchase of Investments
-2.05B-1.73B-700.19M-4.3B-6.04B-6.88B-2.29B-2.15B-2.64B-752.5M
Sale/Maturity of Investments
1.86B1.45B638.16M4.03B4.94B3.62B1.97B2.24B2.17B903.41M
Net Investment Activity
-188.55M-284.73M-62.03M-273.58M-1.09B-3.26B-313.33M89.06M-473.28M150.9M
Acquisitions
6.15M00201.1M0008.36M00
Other Investing
-1.2B-1.14B-1.22B-2.02B-1.23B-1.1B-4.51B258.76M707M-673.86M
Cash from Financing
665.91M776.59M1.01B1.58B5.4B2.35B2.63B-1.13B-456.04M275.41M
Dividends Paid
-69.66M-64.91M-120.2M-185.66M-223.13M-227.84M-229.31M-252.01M-260.82M-262.17M
Share Repurchases
-263.08M-175.08M-175.07M-725.4M-16.25M-199.93M-12.99M0-272.34M-191.97M
Stock Issued
0000000000
Net Stock Activity
-263.08M-175.08M-175.07M-725.4M-16.25M-199.93M-12.99M0-272.34M-191.97M
Debt Issuance (Net)
-1000K-1000K1000K1000K-1000K-1000K1000K-1000K-1000K0
Other Financing
1.39B1.5B640.81M701.84M8.35B2.78B-651.86M1.9B283.83M-242.24M
Net Change in Cash
-285.14M▲ 0%
-66.11M▲ 76.8%
210.63M▲ 418.6%
43.35M▼ 79.4%
3.07B▲ 6972.0%
-1.24B▼ 140.5%
-1.03B▲ 17.0%
473.65M▲ 145.9%
542.56M▲ 14.5%
420.6M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
1.28B999.04M932.93M1.14B1.19B4.25B3.01B1.98B2.45B2.85B
Cash at End
999.04M932.93M1.14B1.19B4.25B3.01B1.98B2.45B2.99B2.27B
Interest Paid
123.56M143.24M180.24M464.71M319.28M132.92M242.04M1.11B1.47B982.95M
Income Taxes Paid
9.34M18.04M41.01M101.78M110.83M204.21M175.68M69.75M47.27M75.5M
Free Cash Flow
431.57M▲ 0%
580.1M▲ 34.4%
484.89M▼ 16.4%
559.84M▲ 15.5%
-13.07M▼ 102.3%
768.06M▲ 5976.5%
1.16B▲ 51.2%
1.25B▲ 7.7%
764.88M▼ 38.8%
689.91M▲ 0%
FCF Growth %
3.59%34.42%-16.41%15.46%-102.33%5976.53%51.21%7.67%-38.83%-10.45%

SNV Banking Ratios

Synovus Financial Corp. (SNV) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)
8.33%9.35%14.06%13.96%7.4%14.54%15.51%11.3%9.27%14.45%
Return on Assets (ROA)
0.84%0.9%1.34%1.39%0.73%1.36%1.29%0.91%0.8%1.32%
Net Interest Margin
2.99%3.28%3.52%3.31%2.78%2.67%3.01%3.04%2.9%3.05%
Efficiency Ratio
58.33%54.47%51.06%45.67%51.04%52.29%46.45%37.8%36.18%38.46%
Equity / Assets
9.73%9.49%9.59%10.25%9.49%9.24%7.49%8.6%8.74%9.65%
Book Value / Share
23.4124.2726.4731.6734.8235.6730.5635.0636.3241.62
NII Growth
8.69%13.8%12.23%38.96%-5.2%1.34%17.22%1.1%-3.69%6.46%
Dividend Payout
24.08%19.85%24.79%29.79%50.83%25.6%25.88%39.74%45.63%27.05%
Related:SNV Dividend History·SNV Revenue History·SNV Price History·SNV P/E History·SNV Financial Ratios·SNV Institutional Holders

SNV SEC Filings & Documents

Synovus Financial Corp. (SNV) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jan 2, 2026·SEC

Material company update

Dec 9, 2025·SEC

Material company update

Dec 8, 2025·SEC

10-K Annual Reports

1
FY 2025

Feb 21, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 2, 2025·SEC

SNV Frequently Asked Questions

Synovus Financial Corp. (SNV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Synovus Financial Corp. (SNV) grew revenue by 1.2% over the past year. Growth has been modest.

Yes, Synovus Financial Corp. (SNV) is profitable, generating $800.1M in net income for fiscal year 2024 (14.1% net margin).

Dividend & Returns

Yes, Synovus Financial Corp. (SNV) pays a dividend with a yield of 3.03%. This makes it attractive for income-focused investors.

Synovus Financial Corp. (SNV) has a return on equity (ROE) of 9.3%. This is below average, suggesting room for improvement.

Industry Metrics

Synovus Financial Corp. (SNV) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

Synovus Financial Corp. (SNV) has an efficiency ratio of 36.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SNV back in 1995?

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How much would $100/month in SNV be worth today?

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