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Synovus Financial Corp (SNV)

Upturn stock ratingUpturn stock rating
$55.11
Last Close (24-hour delay)
Profit since last BUY12.15%
upturn advisory
Consider higher Upturn Star rating
BUY since 40 days
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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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

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$55.83 Target price
52w Low $35.64
Current$55.11
52w High $58.5

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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

ai summary icon Upturn AI SWOT

Synovus Financial Corp

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 4720

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.