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Upturn AI SWOT - About
SNV 
Synovus Financial Corp (SNV)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/10/2025: SNV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $55.83
1 Year Target Price $55.83
| 7 | Strong Buy |
| 4 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.59% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.66B USD | Price to earnings Ratio 15.52 | 1Y Target Price 55.83 |
Price to earnings Ratio 15.52 | 1Y Target Price 55.83 | ||
Volume (30-day avg) 19 | Beta 1.2 | 52 Weeks Range 35.64 - 58.50 | Updated Date 07/10/2025 |
52 Weeks Range 35.64 - 58.50 | Updated Date 07/10/2025 | ||
Dividends yield (FY) 3.01% | Basic EPS (TTM) 3.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-16 | When After Market | Estimate 1.25 | Actual - |
Profitability
Profit Margin 28.67% | Operating Margin (TTM) 46.68% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 10.53% |
Valuation
Trailing PE 15.52 | Forward PE 11.27 | Enterprise Value 7366604288 | Price to Sales(TTM) 3.97 |
Enterprise Value 7366604288 | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 5.09 | Enterprise Value to EBITDA - | Shares Outstanding 139012992 | Shares Floating 138009354 |
Shares Outstanding 139012992 | Shares Floating 138009354 | ||
Percent Insiders 0.51 | Percent Institutions 88.14 |
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. Over time, it expanded through acquisitions and organic growth, evolving into a diversified financial services company. Significant milestones include transitioning to a bank holding company and expanding its regional presence throughout the Southeast.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Commercial Banking: Offers specialized financial solutions to businesses, including commercial loans, treasury management, and investment banking services.
- Wealth Management: Provides investment advisory, trust, and wealth planning services to high-net-worth individuals and families.
- Mortgage Services: Originate, sell, and service residential mortgage loans through its branches and digital channels.
Leadership and Structure
The leadership team is headed by Kevin Blair as CEO. The organizational structure includes executive management overseeing various business lines and support functions, with a board of directors providing governance and oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans represent a significant portion of Synovus's lending portfolio. Market share data is difficult to specify, but Synovus competes with large national banks like Bank of America (BAC) and Wells Fargo (WFC) and regional banks. Revenue data will vary from quarter to quarter but can be found in their fillings
- Treasury Management Services: Synovus provides treasury management services to businesses, including cash management, payment processing, and fraud prevention. Competitors include large banks such as JPMorgan Chase (JPM) and regional players.
- Mortgage Lending: Provides services related to mortgage origination and servicing. Competitors include large national mortgage lenders such as Rocket Mortgage and local banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Banks are focused on improving efficiency and customer experience.
Positioning
Synovus Financial Corp. positions itself as a relationship-focused regional bank with a strong presence in the Southeast. Its competitive advantage lies in its personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is substantial, estimated to be in the hundreds of billions of dollars. Synovus is well-positioned to capture a portion of this market through its regional focus and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified revenue streams
- Relationship-focused customer service
- Experienced management team
Weaknesses
- Limited geographic diversification compared to national banks
- Higher cost structure compared to larger competitors
- Sensitivity to regional economic conditions
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Acquisition of smaller banks or wealth management firms
- Increased demand for wealth management services
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the Southeast
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- Regions Financial Corp (RF)
- Truist Financial Corp (TFC)
- PNC Financial Services Group (PNC)
Competitive Landscape
Synovus's competitive advantage lies in its strong regional presence and relationship-focused customer service. However, it faces competition from larger national banks with greater resources.
Major Acquisitions
FCB Financial Holdings
- Year: 2018
- Acquisition Price (USD millions): 2900
- Strategic Rationale: Expanded Synovus's presence in Florida.
Growth Trajectory and Initiatives
Historical Growth: Synovus has grown both organically and through acquisitions over the years.
Future Projections: Future growth depends on the overall economy and rate conditions.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets.
Summary
Synovus Financial Corp is a regional bank with a strong presence in the Southeast, benefiting from relationship-focused customer service and diversified revenue streams. However, it faces challenges from larger national banks and economic conditions in its region. Investments in digital banking and strategic acquisitions could drive future growth. Synovus needs to carefully manage rising interest rates and regulatory scrutiny.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Sources
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
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 4720 | Website https://www.synovus.com |
Full time employees 4720 | 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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