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Upturn AI SWOT - About
SNV 
Synovus Financial Corp (SNV)
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Upturn Advisory Summary
10/15/2025: SNV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $56.86
1 Year Target Price $56.86
| 7 | Strong Buy |
| 4 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.99% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.29B USD | Price to earnings Ratio 8.48 | 1Y Target Price 56.86 |
Price to earnings Ratio 8.48 | 1Y Target Price 56.86 | ||
Volume (30-day avg) 19 | Beta 1.22 | 52 Weeks Range 35.37 - 60.60 | Updated Date 10/17/2025 |
52 Weeks Range 35.37 - 60.60 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.51% | Basic EPS (TTM) 5.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When After Market | Estimate 1.35 | Actual 1.46 |
Profitability
Profit Margin 34.91% | Operating Margin (TTM) 46.32% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 14.23% |
Valuation
Trailing PE 8.48 | Forward PE 8.64 | Enterprise Value 7642298368 | Price to Sales(TTM) 2.74 |
Enterprise Value 7642298368 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 4.84 | Enterprise Value to EBITDA - | Shares Outstanding 138813060 | Shares Floating 137791396 |
Shares Outstanding 138813060 | Shares Floating 137791396 | ||
Percent Insiders 0.49 | Percent Institutions 86.93 |
Upturn AI SWOT
Synovus Financial Corp
Company Overview
History and Background
Synovus Financial Corp. was founded in 1888 as the Columbus Savings Bank in Columbus, Georgia. It evolved into a multi-bank holding company throughout the 20th century, expanding its presence across the Southeast through acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a range of financial products and services to businesses, including commercial loans, deposit accounts, treasury management, and international banking services.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, credit cards, and investment services to individual customers.
- Wealth Management: Provides investment management, financial planning, trust services, and insurance products to high-net-worth individuals and families.
- Mortgage Banking: Engages in originating, selling and servicing mortgage loans.
Leadership and Structure
Kevin S. Blair serves as the Chairman, President and CEO. Synovus operates with a regional banking structure, with community bank divisions managed by local market presidents. The company's corporate headquarters are in Columbus, Georgia.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate development. Synovus competes with larger national banks like Bank of America and Wells Fargo, as well as regional banks.
- Deposit Accounts: Offers checking, savings, and money market accounts for both individuals and businesses. Competition includes online banks and credit unions.
- Wealth Management Services: Provides customized investment advice, financial planning, and trust services to high-net-worth clients. Competitors include large brokerage firms and wealth management divisions of larger banks.
- Mortgage Loans: Synovus originates mortgages through its retail branches and direct channels. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates, and evolving regulatory requirements. Consolidation within the industry is also a significant trend.
Positioning
Synovus positions itself as a relationship-focused regional bank, emphasizing personalized service and community involvement. It aims to differentiate itself from larger national banks through its local market expertise and customer-centric approach.
Total Addressable Market (TAM)
The TAM for regional banking in the Southeast is estimated to be in the billions of dollars. Synovus's market share positions it well to capture a significant portion of this TAM, with a focus on organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Relationship-focused banking model
- Diversified revenue streams
- Experienced management team
Weaknesses
- Smaller scale compared to national banks
- Geographic concentration
- Potential for credit quality issues in a downturn
- Limited international presence
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BBT
- USB
- PNC
Competitive Landscape
Synovus faces competition from larger national banks, regional banks, and fintech companies. Its advantages include its relationship-focused banking model and strong regional presence. Disadvantages include smaller scale and geographic concentration.
Growth Trajectory and Initiatives
Historical Growth: Synovus has grown organically and through acquisitions over the past several years, expanding its presence in the Southeast.
Future Projections: Analyst estimates for future growth are available on financial websites.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets.
Summary
Synovus is a regional bank with a strong presence in the Southeast, offering a range of banking and wealth management services. It is well-positioned for growth through strategic acquisitions and investments in technology. However, Synovus faces challenges from larger competitors and potential economic headwinds.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news websites
- Analyst reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Please consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Synovus Financial Corp
Exchange NYSE | Headquaters Columbus, GA, United States | ||
IPO Launch date 1990-01-12 | CEO, President & Chairman Mr. Kevin S. Blair | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4804 | Website https://www.synovus.com |
Full time employees 4804 | Website https://www.synovus.com | ||
Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and consumer banking products and services in the United States. It operates in four segments: Wholesale Banking, Community Banking, Consumer Banking, and Financial Management Services. The company provides commercial banking services, including commercial, financial, real estate lending, treasury management, asset management, capital markets services, and institutional trust services; consumer banking services, such as accepting customary types of demand and savings deposit 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. It also engages in portfolio management for fixed-income securities investment banking; the execution of securities transactions as a broker/dealer; and the provision of individual investment advice on equity and other securities, and financial planning services. The company was founded in 1888 and is headquartered in Columbus, Georgia.
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