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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
$50.05
16.5× P/E·Price updated Jun 20, 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 Price & Volume

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

Loading chart...

Credit Provisioning Volatility Clouds Earnings Growth Outlook

Investment Thesis • Updated 2025Q3

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE portfolio credit deterioration

Key Thesis Takeaways

  • Synovus Financial Corp.
  • faces a complex outlook as its 7.7% year-over-year net interest income growth is currently overshadowed by significant credit quality concerns within its regional commercial real estate portfolio.
  • While the bank maintains a stable dividend payout of approximately $65 million per quarter, the massive $298.7 million provision for credit losses in 2025Q3 suggests latent risks that could continue to pressure capital adequacy.
  • Investors should monitor the bank's ability to stabilize its efficiency ratio, which spiked to 56.7% in 2025Q3, as management navigates a challenging interest rate environment.

Verdict Logic

while the forward P/E of 8.91 suggests potential value, the dramatic shift in credit provisioning from $3.2 million in 2025Q2 to $298.7 million in 2025Q3 warrants extreme caution regarding asset quality.

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 →

Latest SNV News

Recent stock market news and headlines for Synovus Financial Corp. (SNV)

GuruFocus·Jun 29, 2026
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Peers Comparison

Key metrics vs top competitors for Synovus Financial Corp. (SNV)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SNV logoSNVSynovus Financial Corp.Current
$50.05$6.95B16.521.16%14.09%9.27%3.03%
UMBF logoUMBFUMB Financial Corporation
$144.41$10.99B15.8268.52%19.79%11.67%—
WTFC logoWTFCWintrust Financial Corporation
$162.79$10.98B14.086.66%20.11%11.93%—
CBSH logoCBSHCommerce Bancshares, Inc.
$58.74$8.56B14.402.23%26.11%14.78%—
FHN logoFHNFirst Horizon Corporation
$25.85$12.27B13.750.97%22.31%11.07%—
HBAN logoHBANHuntington Bancshares Incorporated
$17.89$36.27B12.874.38%16.63%8.81%—

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 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

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SNV Frequently Asked Questions

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

Growth & Financials
How fast is Synovus Financial Corp. growing?

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

Is SNV profitable?

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

Dividend & Returns
Does SNV pay dividends?

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

What is SNV's return on equity?

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

Industry Metrics
What is Synovus Financial Corp.'s net interest margin?

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

What is Synovus Financial Corp.'s efficiency ratio?

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?

Total return calculator · dividends reinvested · 31+ years of data

See returns →