SYNOVUS FINANCIAL CORP

SNV

SYNOVUS FINANCIAL CORP

SNV

Insider Sentiment (TTM):

Last Purchase:2025-10-20Last Sale:2025-08-28Shares Purchased (TTM):7,200Shares Sold (TTM):6,200

Institutional Sentiment:

As of:2025-12-31Institutional Shares Owned:111,789,656Shares Outstanding:138,803,000Institutional Ownership Pct.:80.54%

Earnings Market Reaction:

Filing Date:2025-11-04Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Assets
Cash And Due From Banks	-	-	-	-	-	-	-	-	605	576	638	624
Federal Funds Sold And Securities Purchased Under …	34	32	31	16	46	31	44	37	36	36	36	38
Cash And Cash Equivalents At Carrying Value	2,274	2,852	2,706	2,994	1,854	2,295	2,424	2,451	2,138	2,054	3,365	1,978
Interest Bearing Deposits In Banks	-	-	-	-	-	-	-	-	65	50	35	35
Available For Sale Securities Debt Securities	-	-	-	-	-	-	9,695	9,789	9,237	9,621	9,733	9,678
Debt Securities Held To Maturity Excluding Accrued…	2,451	2,503	2,547	2,581	2,622	2,668	-	0	-	-	-	-
Debt Securities Available For Sale Excluding Accru…	7,575	7,799	7,840	7,551	7,554	7,044	-	9,789	-	-	-	-
Loans Receivable Held For Sale Amount	148	153	122	90	121	139	131	53	67	514	669	392
Financing Receivable Excluding Accrued Interest Be…	43,753	43,537	42,649	42,609	43,121	43,093	43,310	43,404	43,680	44,354	44,045	43,716
Financing Receivable Allowance For Credit Loss Exc…	-470	-465	-478	-487	-485	-485	-493	-479	-478	-471	-457	-443
Notes Receivable Gross	-	-	-	-	-	-	-	-	-	-	-	43,716
Financing Receivable Excluding Accrued Interest Af…	43,284	43,072	42,171	42,122	42,636	42,608	42,817	42,925	43,202	43,882	43,588	43,273
Bank Owned Life Insurance	1,156	1,151	1,148	1,140	1,134	1,126	1,119	1,112	1,107	1,100	1,094	1,089
Notes Receivable Net	-	-	-	-	-	-	-	-	-	-	-	43,273
Property Plant And Equipment And Finance Lease Rig…	376	379	382	384	380	375	375	366	364	365	367	371
Goodwill	480	480	480	480	480	480	480	480	480	476	452	452
Other Intangible Assets Net	26	29	32	34	37	40	43	46	49	62	25	27
Other Assets	2,714	2,639	2,911	2,856	2,771	2,830	2,751	2,587	2,699	2,581	2,546	2,472
Assets	60,485	61,057	60,339	60,234	59,590	59,606	59,835	59,810	59,343	60,656	61,840	59,731
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	11,053	11,658	11,543	11,596	11,562	11,656	12,042	12,508	12,977	13,566	14,643	15,640
Deposits	50,004	49,925	50,843	51,095	50,194	50,196	50,580	50,739	50,204	50,080	49,954	48,872
Other Short Term Borrowings	-	-	-	-	0	3	252	3	2	1	253	603
Long Term Debt	3,008	3,909	2,097	1,733	2,021	2,284	2,032	1,933	2,705	4,021	5,146	4,110
Other Liabilities	1,572	1,498	1,904	2,007	1,903	1,953	1,801	1,801	1,772	1,661	1,521	1,524
Short Term Borrowings	-	-	-	-	-	-	-	-	-	-	-	603
Liabilities	54,646	55,418	54,927	54,967	54,211	54,530	54,793	54,665	54,781	55,848	57,070	55,256
Stockholders Equity Inclu…
Stockholders Equity
Preferred Stock Value	537	537	537	537	537	537	537	537	537	537	537	537
Common Stock Value	173	173	173	172	172	172	172	171	171	171	171	170
Additional Paid In Capital	3,999	3,992	3,983	3,987	3,977	3,966	3,958	3,956	3,941	3,934	3,925	3,920
Treasury Stock Common Value	-1,359	-1,359	-1,338	-1,217	-1,167	-1,066	-974	-944	-944	-944	-944	-944
Accumulated Other Comprehensive Income Loss Net Of…	-677	-739	-827	-971	-774	-1,050	-1,248	-1,117	-1,679	-1,395	-1,289	-1,442
Retained Earnings Accumulated Deficit	3,145	3,014	2,862	2,736	2,611	2,495	2,574	2,517	2,512	2,481	2,371	2,235
Stockholders Equity	5,839	5,618	5,391	5,245	5,356	5,054	5,042	5,144	4,537	4,808	4,770	4,476
Minority Interest	20	21	22	22	22	23	24	24	25	25	-	0
Liabilities And Stockholders Equity	60,485	61,057	60,339	60,234	59,590	59,606	59,835	59,810	59,343	60,656	61,840	59,731
Loans Held For Sale Fair Value Disclosure	41	45	35	33	37	42	37	47	49	63	44	51
Preferred Stock No Par Value	-	-	-	-	-	-	-	-	0	0	0	-
Preferred Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Preferred Stock Par Or Stated Value Per Share	-	-	-	-	-	-	-	-	-	-	-	0
Preferred Stock Shares Issued	22	22	22	22	22	22	22	22	22	22	22	22
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	343	343	343	343	343	343	343	343	343	343	343	343
Common Stock Shares Issued	173	173	173	172	172	172	172	171	171	171	171	170
Shares Outstanding	139	139	139	141	142	144	146	147	146	146	146	145
Treasury Stock Common Shares	34	34	33	31	30	28	25	25	25	25	25	25

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	3.64%	8.40%	23.92%	7.63%	5.03%	-3.19%	7.66%	18.63%	-	-	-	-
2024	4.61%	0.63%	21.45%	9.86%	8.13%	21.47%	17.19%	5.91%	14.46%	-11.83%	-22.94%	-10.35%
2023	5.11%	10.41%	23.48%	-10.57%	-16.55%	-23.57%	4.77%	33.69%	33.16%	2.08%	0.30%	8.12%
2022	-	-	-	-	-	-	-	-	-	-33.36%	-27.75%	-36.14%
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Performance and Valuation Metrics

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Metrics	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Leverage & Debt
Interest Coverage TTM	8.69	9.60	7.42	2.36	1.60	1.33	1.44	1.56	1.80	2.26	2.97	4.34
Per Share Metrics
Diluted EPS TTM	5.62	5.59	3.95	3.31	2.55	1.95	3.15	3.69	4.35	5.07	5.09	4.95
Free Cash Flow Per Share TTM	4.81	5.12	5.71	5.31	5.38	5.66	6.20	8.56	10.73	11.38	9.13	7.99
Dividend Per Share TTM	1.56	1.56	1.55	1.53	1.55	1.53	1.52	1.48	1.44	1.39	1.36	1.35
Margin Metrics
Gross Profit Margin TTM	58.85%	57.49%	56.18%	54.78%	46.99%	47.43%	48.73%	51.81%	64.48%	71.42%	79.33%	86.56%
Operating Profit Margin TTM	32.24%	31.53%	21.90%	18.94%	14.36%	11.19%	19.17%	22.82%	29.68%	37.44%	42.51%	46.45%
Net Profit Margin TTM	25.05%	24.77%	17.61%	15.01%	11.53%	8.97%	14.86%	17.77%	21.86%	27.73%	31.46%	34.91%
Growth Metrics
Net Revenue Growth (1Y)	-1.57%	-0.32%	1.97%	4.70%	9.12%	17.76%	31.12%	46.95%	58.57%	57.71%	43.20%	25.55%
Net Income Growth (1Y)	113.92%	175.32%	20.82%	-11.56%	-42.47%	-61.91%	-38.05%	-25.20%	-12.37%	5.76%	5.11%	-0.35%
EPS Growth (1Y)	120.62%	188.55%	25.75%	-10.37%	-41.26%	-61.77%	-38.32%	-25.58%	-12.84%	5.20%	4.73%	0.80%
Calculated Values
Free Cash Flow TTM	668.15M	710.57M	803.04M	764.88M	770.39M	823.77M	908.08M	1.25B	1.57B	1.66B	1.33B	1.16B
Net Debt	733.99M	1.06B	-609.32M	-1.26B	167.44M	-10.84M	-391.77M	-518.89M	567.07M	1.97B	1.78B	2.74B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-10-20Purchase

Owner: Montana, Gregory G

Title: -

Shares: 1,000

Price/Share: $45.37

Value: $45,370.00

Shares Owned: 5,464

Relationship: Director

Ownership: Direct

2025-08-28Sale

Owner: Dierdorff, Thomas T

Title: EVP, Corp. & Inv. Banking

Shares: 6,200

Price/Share: $50.53

Value: $313,286.00

Shares Owned: 14,754

Relationship: Officer

Ownership: Direct

2025-08-28Purchase

Owner: Dierdorff, Thomas T

Title: EVP, Corp. & Inv. Banking

Shares: 6,200

Price/Share: $50.56

Value: $313,472.00

Shares Owned: 20,954

Relationship: Officer

Ownership: Direct

2025-08-05Purchase

Owner: Creson, Shellie

Title: EVP and Chief Risk Officer

Shares: 1,000

Price/Share: $47.79

Value: $47,790.00

Shares Owned: 27,258

Relationship: Officer

Ownership: Direct

2025-08-04Purchase

Owner: Bentsen, Tim E

Title: -

Shares: 1,074

Price/Share: $46.44

Value: $49,876.56

Shares Owned: 41,172

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-10-20	Montana, Gregory G	Director	-	Direct	Purchase	1,000	45.37	$45,370.00	5,464	4
2025-08-28	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Sale	6,200	50.53	$313,286.00	14,754	4
2025-08-28	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Purchase	6,200	50.56	$313,472.00	20,954	4
2025-08-05	Creson, Shellie	Officer	EVP and Chief Risk Officer	Direct	Purchase	1,000	47.79	$47,790.00	27,258	4
2025-08-04	Bentsen, Tim E	Director	-	Direct	Purchase	1,074	46.44	$49,876.56	41,172	4
2025-07-31	Montana, Gregory G	Director	-	Direct	Purchase	1,000	46.74	$46,740.00	4,341	4
2025-07-29	Murphy, Diana M	Director	-	Direct	Purchase	1,000	48.80	$48,800.00	40,171	4
2025-07-29	Gregory, Andrew J. Jr.	Officer	EVP & Chief Financial Officer	Direct	Purchase	2,000	48.90	$97,800.00	58,220	4
2025-07-29	Blair, Kevin S.	Officer	President and CEO	Direct	Purchase	4,040	49.40	$199,576.00	164,378	4
2025-01-28	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Purchase	1,680	55.03	$92,450.40	13,471	4
2025-01-28	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Sale	1,680	55.03	$92,450.40	11,791	4
2024-11-27	Howard, Kevin Joseph	Officer	EVP, Chief Wholesale Bank. Off	Direct	Purchase	7,500	58.00	$435,000.00	53,990	4
2024-11-27	Howard, Kevin Joseph	Officer	EVP, Chief Wholesale Bank. Off	Direct	Sale	15,750	58.02	$913,815.00	46,490	4
2024-10-22	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Sale	1,841	48.80	$89,840.80	12,992	4
2024-10-22	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Purchase	1,841	48.86	$89,951.26	14,833	4
2024-07-24	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Sale	614	46.20	$28,366.80	14,833	4
2024-06-10	Samaha, Eli	TenPercentOwner	-	Indirect	Sale	172,889	25.20	$4,356,802.80	1,293,259	4
2024-06-07	Akins, D Wayne Jr	Officer	EVP, Chief Comm Banking Off.	Direct	Sale	20,000	37.38	$747,600.00	17,384	4
2024-06-07	Akins, D Wayne Jr	Officer	EVP, Chief Comm Banking Off.	Direct	Purchase	24,500	37.40	$916,300.00	41,884	4
2024-06-06	Samaha, Eli	TenPercentOwner	-	Indirect	Sale	325	25.24	$8,203.00	1,466,168	4
2024-06-04	Samaha, Eli	TenPercentOwner	-	Indirect	Sale	6,278	25.23	$158,393.94	1,473,296	4
2024-05-21	Gregory, Andrew J. Jr.	Officer	EVP & Chief Financial Officer	Direct	Purchase	28,000	40.03	$1,120,840.00	49,256	4
2024-05-21	Gregory, Andrew J. Jr.	Officer	EVP & Chief Financial Officer	Direct	Sale	23,539	40.02	$942,030.78	21,256	4
2024-02-28	Hurley, Jill K	Officer	Chief Accounting Officer	Direct	Sale	4,808	37.26	$179,146.08	5,137	4
2024-01-24	Bentsen, Tim E	Director	-	Direct	Sale	4,671	38.62	$180,394.02	33,144	4
2024-01-23	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Sale	2,045	38.23	$78,180.35	11,086	4
2023-12-07	Kamensky, Allan E	Officer	EVP and General Counsel	Direct	Sale	19,301	35.01	$675,728.01	66,783	4
2023-10-20	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	560	21.35	$11,956.00	1,693,259	4
2023-10-13	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	4,279	21.50	$91,998.50	1,692,699	4
2023-10-11	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	881	21.50	$18,941.50	1,688,185	4
2023-10-02	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	3,466	21.28	$73,756.48	1,685,275	4
2023-09-27	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	12,196	21.30	$259,774.80	1,681,809	4
2023-09-26	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	9,633	21.30	$205,182.90	1,669,613	4
2023-09-21	Samaha, Eli	TenPercentOwner	-	Indirect	Purchase	8,884	21.25	$188,785.00	1,643,391	4
2023-05-05	Bishop, Daniel Zachary	Officer	EVP, Tech., Ops., & Sec.	Direct	Purchase	1,000	27.96	$27,960.00	32,541	4
2023-05-05	Creson, Shellie	Officer	EVP and Chief Risk Officer	Direct	Purchase	2,800	28.33	$79,324.00	34,648	4
2023-05-05	Irby, John H.	Director	-	Direct	Purchase	3,575	28.20	$100,815.00	13,706	4
2023-05-04	Blair, Kevin S.	Officer	President and CEO	Direct	Purchase	4,600	26.30	$120,980.00	86,939	4
2023-05-04	Murphy, Diana M	Director	-	Direct	Purchase	3,775	26.44	$99,811.00	30,935	4
2023-05-01	Gregory, Andrew J. Jr.	Officer	EVP & Chief Financial Officer	Direct	Purchase	2,000	30.33	$60,660.00	28,809	4
2023-02-10	Dierdorff, Thomas T	Officer	EVP, Corp. & Inv. Banking	Direct	Sale	1,947	43.36	$84,421.92	9,314	4
2022-11-14	Kamensky, Allan E	Officer	EVP and General Counsel	Indirect	Sale	663	43.80	$29,039.40	5,090	4
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Institutional Ownership

No data available for chart

2025-12-31

80.54%

Inst. Shares: 111,789,656

Shares Outstanding: 138,803,000

2025-09-30

78.50%

Inst. Shares: 108,957,944

Shares Outstanding: 138,803,000

2025-06-30

81.92%

Inst. Shares: 113,780,965

Shares Outstanding: 138,891,000

2025-03-31

80.67%

Inst. Shares: 113,493,696

Shares Outstanding: 140,684,000

2024-12-31

80.40%

Inst. Shares: 115,909,753

Shares Outstanding: 144,164,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-12-31	111,789,656	138,803,000	80.54%
2025-09-30	108,957,944	138,803,000	78.50%
2025-06-30	113,780,965	138,891,000	81.92%
2025-03-31	113,493,696	140,684,000	80.67%
2024-12-31	115,909,753	144,164,000	80.40%
2024-09-30	113,676,156	143,144,000	79.41%
2024-06-30	118,314,500	145,565,000	81.28%
2024-03-31	115,989,376	146,430,000	79.21%
2023-12-31	117,082,660	146,115,000	80.13%
2023-09-30	112,657,106	146,170,000	77.07%
2023-06-30	112,165,285	146,113,000	76.77%
2023-03-31	107,672,538	145,799,000	73.85%
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SYNOVUS FINANCIAL CORP (SNV) — SEC Financial Statements & Analysis

SYNOVUS FINANCIAL CORP (SNV) is a national commercial banks company, incorporated in X1. SYNOVUS FINANCIAL CORP trades on NYSE as: SNV, SNV-PD, SNV-PE. Based on its latest SEC filing (Form 10-Q, period ending 2025-09-30), SYNOVUS FINANCIAL CORP reported a -1.57% year-over-year revenue growth, a Gross Profit Margin of 58.85% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -1.57%
Gross Profit Margin TTM: 58.85%

Data as of 2025-09-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SYNOVUS FINANCIAL CORP in?

SYNOVUS FINANCIAL CORP (SNV) operates in the National Commercial Banks industry.

What exchange does SNV trade on?

SYNOVUS FINANCIAL CORP (SNV) trades on the NYSE.

Where is SYNOVUS FINANCIAL CORP incorporated?

SYNOVUS FINANCIAL CORP is incorporated in United States.