The earnings call highlights strong financial performance with significant earnings growth, robust loan production, and strategic hiring initiatives. However, there are challenges such as a decline in core deposits and competitive pressures in loan pricing. Despite these challenges, the company's overall performance and strategic direction provide a positive outlook.

Company Guidance -

Q3 2025

During the Synovus Second Quarter 2025 Earnings Call held on July 17, 2025, Synovus provided updated guidance reflecting strong financial performance and strategic momentum. The company reported GAAP and adjusted earnings per share of $1.48, with adjusted EPS up 14% from the previous quarter and 28% year-over-year. Adjusted pre-provision net revenue grew 5% sequentially and 7% from the prior year, driven by net interest margin expansion and disciplined operating expenses. Synovus saw robust loan growth, with a 60% year-over-year increase in total funded loan production. The company revised its 2025 outlook, now anticipating 4-6% period-end loan growth and 1-3% core deposit growth, supported by strategic hiring initiatives, including the addition of 12 new commercial bankers. Synovus also increased its adjusted revenue growth guidance to 5-7% and maintained its adjusted noninterest expense growth range at 2-4%. The net interest margin expanded to 3.37%, and the company expects further margin accretion in a stable interest rate environment. Synovus remains focused on capital deployment for loan growth, with a preliminary common equity Tier 1 ratio at 10.91% and total risk-based capital at 13.74%.

Earnings Growth

Adjusted earnings per share increased 14% from the first quarter and 28% year-over-year. Adjusted pre-provision net revenue rose 5% sequentially and grew 7% from second quarter 2024.

Loan Growth and Production

Loan growth was strong with total funded loan production increasing 60% year-over-year. Loan production was the highest since Q3 2022.

Net Interest Margin Expansion

Net interest margin expanded 2 basis points to 3.37%, driven by lower cost of deposits and fixed rate asset repricing.

Capital Ratios and Credit Performance

Common equity Tier 1 ratio reached 10.91%, the highest in the company's history. Net charge-offs improved to 17 basis points, better than the guidance of 20 basis points.

Strategic Initiatives and Hiring

The company is on track with its strategic initiative to hire 25 new commercial bankers in 2025, with 12 already added in the second quarter.

Positive Client Feedback

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

Daily Earnings Calendar >

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 (SNV) report earnings?

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

What is Synovus (SNV) earnings time?

Synovus (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 1.35.

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