Synovus (SNV) AI Stock Analysis

• Market Cap: $6.21B
• Dividend Yield: 3.41%
• Average Volume (3M): 1.43M
• Price to Earnings (P/E): 8.3
• Beta (1Y): 1.53
• Revenue Growth: 8.90%
• EPS Growth: 142.83%
• Country: US
• Employees: 4,720
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.46
• Shares Outstanding: 138,817,290
• 10 Day Avg. Volume: 1,103,567
• 30 Day Avg. Volume: 1,426,543
• PEG Ratio: -1.24
• Price to Book (P/B): 1.41
• Price to Sales (P/S): 2.16
• P/FCF Ratio: 9.66
• Enterprise Value/Market Cap: 1.32
• Enterprise Value/Revenue: 2.47
• Enterprise Value/Gross Profit: 3.58
• Enterprise Value/Ebitda: 7.79
• 1Y Price Target: $55.67
• Price Target Upside: 22.38% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 12
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: $48.00 ▲(5.52% Upside)

The overall stock score for Synovus is driven primarily by its strong financial performance and attractive valuation. Despite the bearish technical indicators, the company's solid profitability and efficient cash flow management provide a stable foundation. The low P/E ratio and high dividend yield further enhance its appeal. However, the declining revenue growth and increasing debt levels are areas of concern that could impact future performance.

Positive Factors

Profitability

High profit margins indicate efficient operations and effective cost management, supporting long-term financial stability and growth.

Cash Flow Management

Strong cash flow management ensures liquidity and the ability to reinvest in business operations, supporting sustainable growth.

Return on Equity

A strong ROE reflects efficient capital utilization, enhancing shareholder value and indicating potential for sustained profitability.

Negative Factors

Revenue Growth Decline

Declining revenue growth may signal challenges in market expansion or product demand, potentially impacting future earnings.

Increasing Debt Levels

Rising debt levels can lead to higher interest expenses and limit financial flexibility, affecting long-term financial health.

Free Cash Flow Decline

A decline in free cash flow growth may restrict the company's ability to fund new projects or return capital to shareholders.

Synovus Business Overview & Revenue Model

Company Description

Synovus Financial Corp. (SNV) is a financial services company headquartered in Columbus, Georgia, primarily operating in the southeastern United States. The company offers a wide range of banking and financial solutions, including commercial and retail banking, investment services, mortgage banking, and wealth management. Synovus is committed to providing personalized financial services to both individuals and businesses, leveraging its extensive branch network and digital banking capabilities to meet the diverse needs of its customers.

How the Company Makes Money

Synovus generates revenue through a variety of channels, primarily focused on traditional banking operations. Its key revenue streams include net interest income, which is earned from the interest on loans and other financial products minus interest paid on deposits. Additionally, the company earns non-interest income from service fees, investment management fees, and mortgage origination fees. Strategic partnerships with local businesses and organizations enhance its ability to attract deposits and expand its customer base. Moreover, Synovus benefits from its wealth management services, which cater to high-net-worth individuals and families, providing investment advisory and trust services that contribute to its earnings.

Synovus Financial Statement Overview

Summary

Synovus demonstrates strong profitability and efficient cash flow management, with healthy margins and a solid return on equity. However, the decline in revenue growth and increasing debt levels warrant attention. Overall, the company maintains a stable financial position with potential for improvement in revenue generation.

Income Statement

Synovus shows strong profitability with a TTM gross profit margin of 68.82% and a net profit margin of 24.05%. However, the revenue growth rate has declined by 8.53% in the TTM, indicating potential challenges in revenue generation. The EBIT and EBITDA margins are healthy at 30.36% and 31.65% respectively, showcasing efficient operational management.

Balance Sheet

The debt-to-equity ratio stands at 0.53, reflecting moderate leverage. Return on equity is solid at 14.50%, indicating effective use of equity to generate profits. The equity ratio is stable, suggesting a balanced capital structure, but the increase in total debt over the years could pose future risks.

Cash Flow

Operating cash flow to net income ratio is robust at 12.05, indicating strong cash generation relative to net income. However, free cash flow growth has slightly declined by 2.91% in the TTM. The free cash flow to net income ratio remains high at 0.94, suggesting good cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.33B	3.42B	3.39B	2.48B	2.10B	2.31B
Gross Profit	2.29B	1.84B	1.98B	2.12B	2.09B	1.66B
EBITDA	1.05B	665.36M	789.62M	1.03B	1.10B	554.29M
Net Income	800.15M	482.46M	543.71M	757.90M	760.47M	373.69M
Balance Sheet
Total Assets	60.49B	60.23B	59.81B	59.73B	57.32B	54.39B
Cash, Cash Equivalents and Short-Term Investments	4.69B	10.53B	12.20B	11.62B	13.86B	12.10B
Total Debt	3.07B	1.86B	1.42B	1.58B	1.47B	1.43B
Total Liabilities	54.65B	54.97B	54.67B	55.26B	52.02B	49.23B
Stockholders Equity	5.82B	5.24B	5.12B	4.48B	5.30B	5.16B
Cash Flow
Free Cash Flow	689.91M	764.88M	1.25B	1.16B	768.06M	-13.07M
Operating Cash Flow	701.67M	821.03M	1.28B	1.19B	794.02M	17.03M
Investing Cash Flow	-556.49M	177.57M	323.97M	-4.86B	-4.38B	-2.35B
Financing Cash Flow	275.41M	-456.04M	-1.13B	2.63B	2.35B	5.40B

Synovus Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 45.49
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SNV, the sentiment is Negative. The current price of 45.49 is above the 20-day moving average (MA) of 45.38, below the 50-day MA of 48.07, and below the 200-day MA of 48.26, indicating a neutral trend. The MACD of -0.85 indicates Negative momentum. The RSI at 46.35 is Neutral, neither overbought nor oversold. The STOCH value of 60.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SNV.

Synovus Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CADE	72 Outperform	$6.87B	13.56	9.10%	3.04%	14.40%	―
BOKF	71 Outperform	$6.73B	12.66	9.13%	2.18%	-2.81%	14.96%
PB	71 Outperform	$6.29B	11.82	7.09%	3.67%	0.55%	19.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SNV	65 Neutral	$6.21B	8.35	14.32%	3.41%	8.90%	142.83%
CBSH	63 Neutral	$7.16B	12.81	15.48%	2.06%	13.07%	14.27%
PNFP	61 Neutral	$6.62B	10.85	9.44%	1.12%	7.76%	49.85%

Synovus Corporate Events

Synovus Faces Legal Challenges in Merger Process

On July 24, 2025, Synovus Financial Corp. and Pinnacle Financial Partners, Inc. entered into a merger agreement to form a new entity, Steel Newco Inc., which will be known as Pinnacle Financial Partners, Inc. post-merger. The merger, approved by the boards of directors of both companies, involves Synovus and Pinnacle merging into Newco, with subsequent mergers involving their respective banks. However, the merger has faced legal challenges, with three lawsuits filed alleging disclosure deficiencies in the joint proxy statement/prospectus. Despite these challenges, Synovus and Pinnacle are supplementing disclosures to avoid delays in the merger process, although they deny any wrongdoing.

The most recent analyst rating on (SNV) stock is a Buy with a $62.00 price target. To see the full list of analyst forecasts on Synovus stock, see the SNV Stock Forecast page.

Synovus Reports Strong Q3 2025 Earnings Growth

On October 15, 2025, Synovus Financial Corp. announced its third-quarter earnings, highlighting a strong performance with a diluted earnings per share of $1.33, up from $1.18 in the same quarter of the previous year. The company reported solid growth in net interest income, non-interest revenue, and loan production, despite a slight decline in net income compared to the second quarter of 2025. Synovus also provided updates on its pending merger with Pinnacle Financial Partners, which is expected to close in the first quarter of 2026, indicating significant progress in integration planning and a favorable capital generation environment.

The most recent analyst rating on (SNV) stock is a Buy with a $62.00 price target. To see the full list of analyst forecasts on Synovus stock, see the SNV Stock Forecast page.

Synovus and Pinnacle Announce Business Combination Plan

On August 27, 2025, Synovus Financial Corp. and Pinnacle Financial Partners, Inc. announced a joint investor presentation regarding their planned business combination. The transaction aims to create a leading financial entity in the Southeast, but it faces potential risks including integration challenges, regulatory approvals, and market reactions, which could impact the expected benefits and performance of the combined company.

The most recent analyst rating on (SNV) stock is a Buy with a $57.00 price target. To see the full list of analyst forecasts on Synovus stock, see the SNV Stock Forecast page.