SNV Stock Financial Analysis - Synovus Financial Corp. (NYSE) Stock

Overview

Synovus Financial Corp., based in Columbus, Georgia, USA, operates primarily in the banking industry. As a financial services company, it offers a diverse range of services including commercial and consumer banking, financial management, insurance, and mortgage services. A notable aspect of Synovus’s operations is its strategic focus on regional banking in the Southeastern United States, where it has a significant presence through numerous branches and ATMs. Synovus is distinguished by its commitment to community involvement and technological integration, making substantial investments in digital banking technology to enhance customer experience and operational efficiency. These key strategies underscore its project initiatives aimed at sustaining growth and fostering strong client relationships in its target markets.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Synovus Financial Corp. as of June 30, 2025 is 2,239.38 MM.
The operating income for Synovus Financial Corp. as of June 30, 2025 is 1,035.27 MM.
The net income for Synovus Financial Corp. as of June 30, 2025 is 784.71 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	2,239.38	1,035.27	784.71
2025-03-31	1,928.67	736.69	552.97
2024-12-31	1,852.50	661.70	482.46
2024-09-30	1,750.69	558.81	362.38
2024-06-30	1,684.43	505.64	277.92
2024-03-31	1,933.62	757.40	466.05
2023-12-31	2,031.59	857.20	543.71
2023-09-30	2,157.28	976.48	679.13
2023-06-30	2,236.19	1,066.10	785.08
2023-03-31	2,217.22	1,062.17	789.02
2022-12-31	2,121.68	990.25	757.90
2022-09-30	2,117.38	1,002.50	752.53
2022-06-30	2,068.48	975.85	736.26
2022-03-31	2,072.06	993.97	744.41
2021-12-31	2,089.26	1,021.59	760.47
2021-09-30	2,014.30	958.87	710.47
2021-06-30	1,954.58	898.94	615.27
2021-03-31	1,849.23	787.85	522.27
2020-12-31	1,664.24	598.01	373.69
2020-09-30	1,647.37	595.14	374.97

Income Statement: EPS

The earnings per share basic for Synovus Financial Corp. as of June 30, 2025 is 5.24.
The earnings per share diluted for Synovus Financial Corp. as of June 30, 2025 is 5.20.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	5.24	5.20
2025-03-31	3.56	3.54
2024-12-31	3.05	3.03
2024-09-30	2.21	2.20
2024-06-30	1.64	1.63
2024-03-31	2.93	2.92
2023-12-31	3.48	3.46
2023-09-30	4.42	4.40
2023-06-30	5.16	5.13
2023-03-31	5.20	5.16
2022-12-31	4.99	4.95
2022-09-30	4.95	4.91
2022-06-30	4.83	4.79
2022-03-31	4.86	4.82
2021-12-31	4.95	4.90
2021-09-30	4.59	4.55
2021-06-30	3.94	3.90
2021-03-31	3.31	3.29
2020-12-31	2.31	2.30
2020-09-30	2.32	2.31

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Synovus Financial Corp. as of June 30, 2025 is 752.88 MM.
The cash from investing activities for Synovus Financial Corp. as of June 30, 2025 is -923.97 MM.
The cash from financing activities for Synovus Financial Corp. as of June 30, 2025 is 728.80 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	752.88	-923.97	728.80
2025-03-31	848.86	74.17	-640.30
2024-12-31	821.03	177.57	-456.04
2024-09-30	826.42	127.15	-1,237.59
2024-06-30	871.81	1,393.07	-2,024.42
2024-03-31	952.26	938.07	-2,832.23
2023-12-31	1,282.62	323.97	-1,132.94
2023-09-30	1,597.07	-1,114.07	-213.18
2023-06-30	1,694.59	-3,861.79	2,556.29
2023-03-31	1,364.60	-4,513.87	4,961.17
2022-12-31	1,191.49	-4,855.48	2,631.92
2022-09-30	561.50	-4,976.82	3,595.70
2022-06-30	568.48	-4,688.28	2,522.18
2022-03-31	955.12	-3,788.71	1,058.83
2021-12-31	794.02	-4,384.17	2,347.09
2021-09-30	1,068.73	-2,230.57	1,863.89
2021-06-30	1,336.55	-848.16	1,203.06
2021-03-31	17.50	-2,678.47	4,165.40
2020-12-31	17.03	-2,352.97	5,401.94
2020-09-30	48.58	-3,863.07	4,617.39

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/book for Synovus Financial Corp. as of June 30, 2025 is 1.33.
The p/tbv for Synovus Financial Corp. as of June 30, 2025 is 1.66.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30		1.33	1.66
2025-03-31	13.47	1.23	1.37
2024-12-31		1.35	1.49
2024-09-30	13.53	1.25	1.40
2024-06-30	11.92	1.10	1.23
2024-03-31	10.72	1.13	1.26
2023-12-31	8.11	1.21	1.37
2023-09-30	5.18	0.85	0.95
2023-06-30	5.46	0.90	1.00
2023-03-31	5.94	1.01
2022-12-31		1.29	1.46
2022-09-30		1.19	1.33
2022-06-30		1.09	1.21
2022-03-31	9.37	1.35	1.48
2021-12-31	9.81	1.33	1.46
2021-09-30	10.45	1.23	1.35
2021-06-30
2021-03-31	12.65	1.28	1.42
2020-12-31	17.57	1.27	1.41
2020-09-30	17.43	1.29	1.43

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Synovus Financial Corp. as of June 30, 2025 is 0.09.
The ebit (3y)/ev for Synovus Financial Corp. as of June 30, 2025 is 0.09.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.09	0.09
2025-03-31	0.10	0.12
2024-12-31	0.06	0.09
2024-09-30	0.09	0.12
2024-06-30	0.10	0.14
2024-03-31	0.09	0.11
2023-12-31	0.11	0.11
2023-09-30	0.12	0.11
2023-06-30	0.10	0.09
2023-03-31	0.10	0.09
2022-12-31	0.10	0.08
2022-09-30	0.13	0.10
2022-06-30	0.15	0.12
2022-03-31	0.12	0.09
2021-12-31	0.11	0.09
2021-09-30	0.10	0.09
2021-06-30
2021-03-31	0.08	0.08
2020-12-31	0.11	0.13
2020-09-30	0.06	0.07

Management Effectiveness

The roa for Synovus Financial Corp. as of June 30, 2025 is 0.01.
The roe for Synovus Financial Corp. as of June 30, 2025 is 0.11.
The roic for Synovus Financial Corp. as of June 30, 2025 is 0.06.
The croic for Synovus Financial Corp. as of June 30, 2025 is 0.03.
The ocroic for Synovus Financial Corp. as of June 30, 2025 is 0.10.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.11	0.06	0.03	0.10
2025-03-31	0.01	0.10	0.06	0.07	0.10
2024-12-31	0.01	0.07	0.05	-0.04	0.11
2024-09-30	0.01	0.10	0.06	-0.13	0.13
2024-06-30	0.01	0.10	0.06	-0.12	0.12
2024-03-31	0.01	0.12	0.07	0.06	0.16
2023-12-31	0.01	0.16	0.09	0.04	0.22
2023-09-30	0.01	0.17	0.09	0.04	0.19
2023-06-30	0.01	0.17	0.07	0.04	0.15
2023-03-31	0.01	0.16	0.08	0.18	0.13
2022-12-31	0.01	0.14	0.08	-0.09	0.06
2022-09-30	0.01	0.14	0.12	-0.13	0.09
2022-06-30	0.01	0.14	0.11	-0.25	0.09
2022-03-31	0.01	0.15	0.11	-0.26	0.14
2021-12-31	0.01	0.14	0.10	-0.17	0.16
2021-09-30	0.01	0.12	0.11	0.11	0.20
2021-06-30	0.01	0.12	0.09	0.24	0.19
2021-03-31	0.01	0.10	0.07	0.21	0.00
2020-12-31	0.01	0.08	0.05	0.43	0.00
2020-09-30	0.01	0.08	0.05	0.11	0.01

Gross Margins

The gross margin for Synovus Financial Corp. as of June 30, 2025 is 1.00.
The net margin for Synovus Financial Corp. as of June 30, 2025 is 0.29.
The operating margin for Synovus Financial Corp. as of June 30, 2025 is 0.38.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.29	0.38
2025-03-31	1.00	0.26	0.35
2024-12-31	1.00	0.21	0.32
2024-09-30	1.00	0.24	0.39
2024-06-30	1.00	0.24	0.39
2024-03-31	1.00	0.27	0.42
2023-12-31	1.00	0.31	0.45
2023-09-30	1.00	0.35	0.48
2023-06-30	1.00	0.35	0.47
2023-03-31	1.00	0.36	0.47
2022-12-31	1.00	0.36	0.47
2022-09-30	1.00	0.36	0.47
2022-06-30	1.00	0.36	0.47
2022-03-31	1.00	0.36	0.48
2021-12-31	1.00	0.36	0.48
2021-09-30	1.00	0.35	0.51
2021-06-30	1.00	0.31	0.47
2021-03-31	1.00	0.28	0.43
2020-12-31	1.00	0.22	0.31
2020-09-30	1.00	0.23	0.36