The earnings call presented a generally positive outlook with strong earnings growth, loan production, and capital ratio improvements. However, there were concerns about core deposit declines and economic uncertainties impacting reserves.

Company Guidance

During Synovus's second quarter 2025 earnings call, the company provided updated guidance reflecting strong year-to-date performance and expectations for continued revenue growth. The company revised its outlook to anticipate loan growth of 4% to 6% for 2025, driven by high-growth verticals such as middle market, specialty, and corporate and investment banking lending. Core deposit growth is expected to be 1% to 3%, supported by strategic initiatives and seasonal benefits. Synovus projects adjusted revenue growth of 5% to 7%, bolstered by loan growth momentum and a stable net interest margin. Noninterest revenue is anticipated to be between $495 million and $515 million, with disciplined expense management keeping adjusted noninterest expense growth in the range of 2% to 4%. Credit quality is expected to remain stable, with net charge-offs projected to stay consistent with first-half figures. The company plans to maintain a stable CET1 ratio, prioritizing loan growth over share repurchases, and anticipates a full-year tax rate between 21% and 22%.

Strong Earnings Growth

Synovus reported adjusted earnings per share of $1.48, a 14% increase from the first quarter and a 28% jump year-over-year.

Loan Production and Growth

Loan growth was strong, with a 60% year-over-year increase in total funded loan production in the second quarter.

Net Interest Margin Expansion

Net interest margin expanded 2 basis points to 3.37%, driven by a decline in cost of deposits and a stable Fed funds environment.

Capital Ratio Improvement

The common equity Tier 1 ratio reached 10.91%, marking the highest CET1 ratio in the company's history.

Client Service Recognition

Synovus achieved the largest year-over-year increase in Net Promoter Score among the 50 largest banks by asset size, according to the J.D. Power survey.

Synovus (SNV) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SNV Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	1.35 / -	1.23	―	―	―
Jul 16, 2025	2025 (Q2)	1.26 / 1.48	1.16	27.59% (+0.32)
Apr 16, 2025	2025 (Q1)	1.12 / 1.30	0.79	64.56% (+0.51)
Jan 15, 2025	2024 (Q4)	1.15 / 1.25	0.8	56.25% (+0.45)
Oct 16, 2024	2024 (Q3)	1.08 / 1.23	0.84	46.43% (+0.39)
Jul 17, 2024	2024 (Q2)	0.95 / 1.16	1.16	0.00% (0.00)
Apr 17, 2024	2024 (Q1)	0.99 / 0.79	1.33	-40.60% (-0.54)
Jan 17, 2024	2023 (Q4)	0.95 / 0.80	1.35	-40.74% (-0.55)
Oct 18, 2023	2023 (Q3)	0.84 / 0.84	1.34	-37.31% (-0.50)
Jul 19, 2023	2023 (Q2)	1.15 / 1.16	1.17	-0.85% (-0.01)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SNV Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 16, 2025	$52.87	$53.85	+1.85%
Apr 16, 2025	$40.19	$40.95	+1.89%
Jan 15, 2025	$55.07	$53.34	-3.14%
Oct 16, 2024	$47.22	$49.64	+5.12%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Synovus Financial Corp (SNV) report earnings?

Synovus Financial Corp (SNV) is schdueled to report earning on Oct 15, 2025, Before Open (Confirmed).

What is Synovus Financial Corp (SNV) earnings time?

Synovus Financial Corp (SNV) earnings time is at Oct 15, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SNV EPS forecast?

SNV EPS forecast for the fiscal quarter 2025 (Q3) is 1.36.

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