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Upturn AI SWOT - About
SNV 
Synovus Financial Corp (SNV)
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Upturn Advisory Summary
12/02/2025: 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 $56.29
1 Year Target Price $56.29
| 7 | Strong Buy |
| 4 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.65% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.77B USD | Price to earnings Ratio 9.13 | 1Y Target Price 56.29 |
Price to earnings Ratio 9.13 | 1Y Target Price 56.29 | ||
Volume (30-day avg) 19 | Beta 1.23 | 52 Weeks Range 35.37 - 60.60 | Updated Date 12/2/2025 |
52 Weeks Range 35.37 - 60.60 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 5.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.91% | Operating Margin (TTM) 46.81% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 14.23% |
Valuation
Trailing PE 9.13 | Forward PE 8.73 | Enterprise Value 8224731648 | Price to Sales(TTM) 2.95 |
Enterprise Value 8224731648 | Price to Sales(TTM) 2.95 | ||
Enterprise Value to Revenue 4.4 | Enterprise Value to EBITDA - | Shares Outstanding 138817293 | Shares Floating 137784492 |
Shares Outstanding 138817293 | Shares Floating 137784492 | ||
Percent Insiders 0.5 | Percent Institutions 84.35 |
Upturn AI SWOT
Synovus Financial Corp
Company Overview
History and Background
Synovus Financial Corp., headquartered in Columbus, Georgia, was founded in 1888. Originally known as Columbus Savings Bank, it evolved through mergers and acquisitions to become a regional financial services company.
Core Business Areas
- Commercial Banking: Provides a wide array of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.
- Mortgage Services: Offers a variety of mortgage products and services.
Leadership and Structure
Kevin S. Blair is the CEO. The company operates with a regional banking structure, with community banks under the Synovus umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share data is not publicly available at a granular level for specific loan types. Competitors: Truist, Regions Financial, Wells Fargo, Bank of America.
- Mortgages: Offers various mortgage products to individuals. Market share data is not publicly available. Competitors: Truist, Regions Financial, Rocket Mortgage.
- Checking and Savings Accounts: A core banking product. User base not publicly available. Competitors: Truist, Regions Financial, Chase, Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
Synovus is a regional bank focused on the Southeast. It emphasizes relationship banking and local decision-making, providing personalized service to its customers. Synovus differentiates itself through customer service and understanding of local markets.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast US is estimated to be in the billions of dollars. Synovus is well-positioned to capture a share of this market through its regional focus and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Focus on relationship banking
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to national banks
- Exposure to regional economic fluctuations
- Higher expense ratio relative to larger competitors
- Dependence on interest rate spreads
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking solutions
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Rising interest rates impacting loan demand
- Increased competition from fintech companies
- Economic downturn in the Southeast
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- RF
- WFC
- BAC
Competitive Landscape
Synovus faces competition from larger national banks and regional players. Its competitive advantage lies in its local market knowledge and relationship-based approach.
Major Acquisitions
FCB Corporation
- Year: 2018
- Acquisition Price (USD millions): 2560
- Strategic Rationale: Expanded Synovus' presence in Florida and Alabama.
Growth Trajectory and Initiatives
Historical Growth: Synovus has experienced steady growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project moderate revenue and earnings growth for Synovus in the coming years, supported by a favorable economic outlook in the Southeast.
Recent Initiatives: Synovus has invested in digital banking technologies and expanded its wealth management offerings to drive future growth.
Summary
Synovus Financial Corp. is a stable regional bank showing moderate growth. Its Southeast focus and customer relationships are strengths, but it faces competition and regulatory pressures. Recent digital investments are promising, though careful management of interest rate risk is crucial to maintain its current performance. Synovus is positioned as a customer service-focused, small to medium sized company in the banking sector.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Synovus Financial Corp. Investor Relations
- SEC Filings
- Analyst Reports
- Company Press Releases
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered 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 4847 | Website https://www.synovus.com |
Full time employees 4847 | 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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