Synovus (SNV) AI Stock Analysis

• Market Cap: $6.88B
• Dividend Yield: 3.13%
• Average Volume (3M): 1.68M
• Price to Earnings (P/E): 9.5
• Beta (1Y): 1.58
• Revenue Growth: 11.52%
• EPS Growth: 220.78%
• Country: US
• Employees: 4,720
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.48
• Shares Outstanding: 138,804,260
• 10 Day Avg. Volume: 1,855,809
• 30 Day Avg. Volume: 1,677,976
• 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: 1.30
• Enterprise Value/Revenue: 2.45
• Enterprise Value/Gross Profit: 4.00
• Enterprise Value/Ebitda: 8.54
• 1Y Price Target: $59.85
• Price Target Upside: 20.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 15

• Rating: 72 Outperform
• Price Target: $56.00 ▲(13.06% Upside)

Synovus's overall stock score is driven by strong financial performance and a positive earnings outlook, supported by robust revenue growth and profitability. The stock's undervaluation and attractive dividend yield further enhance its investment appeal. However, challenges in cash flow generation and concerns about core deposit declines and economic uncertainties slightly temper the outlook.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust market demand and effective business strategies, supporting long-term financial stability.

Loan Production and Growth

Significant loan growth reflects Synovus's strength in capturing market opportunities, enhancing its competitive position and revenue potential.

Capital Ratio Improvement

A strong CET1 ratio indicates financial resilience and capacity to absorb potential losses, ensuring long-term operational stability.

Negative Factors

Declining Cash Flow

Negative cash flow growth suggests challenges in liquidity management, potentially impacting Synovus's ability to fund operations and investments.

Core Deposits Decline

A decline in core deposits can strain liquidity and limit Synovus's capacity to support loan growth, posing risks to financial health.

Economic Uncertainty Impact on Reserves

Economic uncertainty impacting reserves may lead to increased provisioning, affecting profitability and financial flexibility.

Synovus Business Overview & Revenue Model

Company Description

Synovus 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.

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 with a consistent gross profit margin and a healthy net profit margin, though there is a notable decline in revenue from the previous year. The balance sheet reflects a stable financial position with low leverage, and cash flow is strong with a positive free cash flow position.

Income Statement

Synovus demonstrates strong profitability with a consistent gross profit margin and a healthy net profit margin, though there is a notable decline in revenue from the previous year. The EBIT margin is solid, indicating efficient cost management despite revenue fluctuations.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio, indicating low leverage. The equity ratio is decent, and return on equity shows moderate profitability. Stability is evident, though growth in equity is moderate.

Cash Flow

Cash flow is strong with a positive free cash flow position and robust operating cash flow relative to net income, demonstrating effective cash management. Free cash flow growth is positive, indicating improved cash-generating efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.64B	3.42B	3.39B	2.48B	2.10B	2.31B
Gross Profit	2.23B	1.84B	1.98B	2.12B	2.09B	1.66B
EBITDA	1.04B	665.36M	789.62M	1.03B	1.10B	554.29M
Net Income	784.71M	482.46M	543.71M	757.90M	760.47M	373.69M
Balance Sheet
Total Assets	61.06B	60.23B	59.81B	59.73B	57.32B	54.39B
Cash, Cash Equivalents and Short-Term Investments	10.62B	10.53B	12.20B	11.62B	13.86B	12.10B
Total Debt	3.99B	1.86B	1.42B	1.58B	1.47B	1.43B
Total Liabilities	55.42B	54.97B	54.67B	55.26B	52.02B	49.23B
Stockholders Equity	5.62B	5.24B	5.12B	4.48B	5.30B	5.16B
Cash Flow
Free Cash Flow	710.57M	764.88M	1.25B	1.16B	768.06M	-13.07M
Operating Cash Flow	752.88M	821.03M	1.28B	1.19B	794.02M	17.03M
Investing Cash Flow	-923.97M	177.57M	323.97M	-4.86B	-4.38B	-2.35B
Financing Cash Flow	728.80M	-456.04M	-1.13B	2.63B	2.35B	5.40B

Synovus Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 49.53
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 49.53 is below the 20-day moving average (MA) of 50.82, below the 50-day MA of 50.33, and above the 200-day MA of 49.08, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 44.12 is Neutral, neither overbought nor oversold. The STOCH value of 9.43 is Positive, 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	75 Outperform	6.81B	13.23	9.08%	2.89%	18.01%	-12.51%
BOKF	75 Outperform	7.13B	13.39	9.10%	2.02%	-0.54%	16.85%
SNV	72 Outperform	$6.88B	9.53	14.71%	3.13%	11.52%	220.78%
PNFP	72 Outperform	7.38B	12.60	8.99%	0.99%	10.19%	48.39%
PB	72 Outperform	6.21B	11.92	6.88%	3.51%	3.65%	20.33%
CBSH	69 Neutral	7.87B	14.24	15.37%	1.82%	13.77%	17.71%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Synovus Corporate Events

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.