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UPDATED: Nov 13, 2025

Stock Analysis

SNV Logo
$46.04
-$0.36 |-0.77%
Day Range:
$45.93 - $46.85
Market Cap:
6.44B
P/E Ratio:
8.6873
Avg Value:
$48.50
Year Range:
$35.94 - $61.06
1
General Information
Synovus Financial Corp provides commercial and consumer banking in addition to a full suite of specialized products & services such as private banking, treasury management, wealth management, mortgage services, premium finance, asset-based lending, structured lending, capital markets, & international banking to clients through the wholly-owned subsidiary bank, Synovus Bank, and other offices in Alabama, Florida, Georgia, South Carolina, and Tennessee.

It has four segments Wholesale Banking, Community Banking, Consumer Banking, and Financial Management Services, out of which the majority is from the Wholesale banking segment.

2
Synovus Financial (SNV) Stock Graph
3
How We Grade Synovus Financial (SNV)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Synovus Financial (SNV) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

55.84

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

43.35

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Future Growth
Our estimate of future price growth is based on an aggregation of 9 analyst ratings over the past 3 months and their 12-month price targets.

Below, you can see that analysts are estimating a 12-month price target range of $49.00 - $65.00 with an average of $56.78

22.39%
Expected movement for Synovus Financial (SNV) over the next 12 months
Based on these rankings

Recent Ratings for Synovus Financial (SNV)

Barclays
Date:
Nov 11, 2025
Action:
Maintains
Prev. Target:
$62.00
New Target:
$65.00
UBS
Date:
Nov 5, 2025
Action:
Maintains
Prev. Target:
$53.00
New Target:
$49.00
Truist Securities
Date:
Oct 17, 2025
Action:
Maintains
Prev. Target:
$56.00
New Target:
$55.00
RBC Capital
Date:
Oct 17, 2025
Action:
Maintains
Prev. Target:
$65.00
New Target:
$58.00
Stephens & Co.
Date:
Oct 17, 2025
Action:
Maintains
Prev. Target:
$54.00
New Target:
$51.00
DA Davidson
Date:
Oct 16, 2025
Action:
Maintains
Prev. Target:
$63.00
New Target:
$63.00
JP Morgan
Date:
Oct 1, 2025
Action:
Maintains
Prev. Target:
$65.00
New Target:
$58.00
Truist Securities
Date:
Sep 24, 2025
Action:
Maintains
Prev. Target:
$58.00
New Target:
$56.00
UBS
Date:
Sep 2, 2025
Action:
Downgrades
Prev. Target:
$63.00
New Target:
$56.00
6
Dividend
There are few things we like to see when evaluating the quality of a company's dividend history and future

Ideally, we would like to see a company have a long history of consistently high dividend payouts that have grown at a consistent rate. From here we want to be confident that this sort of dividend growth and consistency will persist into the future.

The chart below shows the historical trend in Synovus Financial (SNV) dividend yield on an annual basis.

-26.18%
Synovus Financial (SNV) saw a decrease in it's dividend yield since 2020
7
Past Performance
How has Synovus Financial (SNV) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Synovus Financial (SNV) sharpe ratio over the past 5 years is 0.5846 which is considered to be below average compared to the peer average of 0.5955

8
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is SNV's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Revenue
1.98
2.21
2.16
1.98
2.36
Operating Revenue
1.98
2.21
2.16
1.98
2.36
Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Gross Profit
0.00
0.00
0.00
0.00
0.00
Operating Expense
0.00
0.00
0.00
0.00
0.00
Selling General And Administration
0.67
0.71
0.82
0.78
0.79
Research and Development
0.00
0.00
0.00
0.00
0.00
Operating Income
0.00
0.00
0.00
0.00
0.00
Net Non-Operating Interest Income Expense
0.00
0.00
0.00
0.00
0.00
Other Income Expense
0.00
0.00
0.00
0.00
0.00
Other Non-Operating Income Expenses
0.00
0.00
0.00
0.00
0.00
Pre-Tax Income
0.99
0.96
0.70
0.60
1.01
Tax Provision
0.23
0.21
0.15
0.13
0.21
Net Income
0.76
0.76
0.54
0.48
0.80
Net Income Common Stockholders
0.73
0.72
0.51
0.44
0.75
Total Operating Income As Reported
0.00
0.00
0.00
0.00
0.00
Total Expenses
0.00
0.00
0.00
0.00
0.00
Net Income From Continuing And Discontinued Operation
0.76
0.76
0.54
0.48
0.80
Normalized Income
0.77
0.75
0.56
0.48
0.82
Interest Income
1.65
2.08
3.05
3.19
3.13
Interest Expense
0.12
0.28
1.23
1.44
1.29
Net Interest Income
1.53
1.80
1.82
1.75
1.84
EBIT
0.00
0.00
0.00
0.00
0.00
EBITDA
0.00
0.00
0.00
0.00
0.00
Reconciled Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Reconciled Depreciation
0.16
0.07
0.09
0.06
0.05
Normalized EBITDA
0.00
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.20
Tax Effect Of Unusual Items
0.00
0.00
-0.01
0.00
0.00
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Assets
57.32
59.73
59.81
60.23
60.49
Current Assets
0.00
0.00
0.00
0.00
0.00
Total Non-Current Assets
0.00
0.00
0.00
0.00
0.00
Total Liabilities Net Minority Interest
52.02
55.26
54.67
54.97
54.65
Current Liabilities
0.00
0.00
0.00
0.00
0.00
Other Non-Current Liabilities
0.00
0.00
0.00
0.00
0.00
Total Equity Gross Minority Interest
5.30
4.48
5.14
5.27
5.84
Stockholders Equity
0.00
0.00
0.00
0.00
0.00
Total Capitalization
6.50
5.31
6.35
6.98
8.83
Common Stock Equity
4.76
3.94
4.58
4.71
5.28
Net Tangible Assets
4.81
4.00
4.59
4.73
5.31
Working Capital
0.00
0.00
0.00
0.00
0.00
Invested Capital
5.96
5.37
5.82
6.44
8.29
Tangible Book Value
4.27
3.46
4.06
4.19
4.77
Total Debt
1.20
1.43
1.23
1.73
3.01
Net Debt
0.00
0.00
0.00
0.00
0.77
Share Issued
0.17
0.17
0.17
0.17
0.17
Ordinary Shares Number
0.15
0.15
0.15
0.14
0.14
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
0.79
1.19
1.28
0.82
0.70
Net Income from Continuing Operations
0.76
0.76
0.54
0.48
0.80
Depreciation and Amortization
0.16
0.07
0.09
0.06
0.05
Deferred Tax
0.04
0.01
0.02
0.02
0.01
Deferred Income Tax
0.04
0.01
0.02
0.02
0.01
Stock-Based Compensation
0.03
0.03
0.03
0.03
0.03
Other Non-Cash Items
0.05
0.36
0.34
-0.03
-0.02
Change in Working Capital
-0.10
-0.10
-0.05
-0.12
-0.23
Change in Receivables
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
-0.08
-0.19
-0.29
-0.39
0.02
Change in Other Current Liabilities
-0.02
0.08
0.24
0.27
-0.26
Change in Other Working Capital
Cash Flow from Continuing Investing Activities
-4.38
-4.86
0.32
0.18
-0.56
Net PPE Purchase and Sale
-0.03
-0.03
-0.03
-0.06
-0.03
Net Business Purchase and Sale
Purchase of Business
Net Investment Purchase and Sale
-3.26
-0.31
0.09
-0.47
0.22
Purchase of Investment
-6.88
-2.29
-2.15
-2.64
-0.75
Sale of Investment
3.62
1.97
2.24
2.17
0.97
Net Other Investing Changes
0.04
-0.08
0.14
0.05
-0.02
Financing Cash Flow
2.35
2.63
-1.13
-0.46
0.28
Cash Flow from Continuing Financing Activities
2.35
2.63
-1.13
-0.46
0.28
Net Issuance Payments of Debt
3.53
-2.78
-0.21
0.97
Net Long-Term Debt Issuance
2.92
-2.18
-0.20
0.97
Long-Term Debt Issuance
3.22
1.65
2.65
Long-Term Debt Payments
-0.70
-5.40
Net Short-Term Debt Issuance
0.60
-0.60
Net Common Stock Issuance
-0.20
-0.01
-0.27
-0.19
Common Stock Issuance
Common Stock Payments
-0.20
-0.01
-0.27
-0.19
Cash Dividends Paid
-0.23
-0.23
-0.25
-0.26
-0.26
Net Other Financing Charges
End Cash Position
12.29
7.06
10.01
9.57
10.83
Changes in Cash
-1.24
-1.03
0.47
0.54
0.42
Beginning Cash Position
13.53
8.10
9.53
9.02
10.41
Capital Expenditure
-0.03
-0.03
-0.03
-0.06
-0.03
Issuance of Capital Stock
Issuance of Debt
3.22
1.65
2.65
Repayment of Debt
-0.70
-5.40
Repurchase of Capital Stock
-0.20
-0.01
-0.27
-0.19
Free Cash Flow
0.77
1.16
1.25
0.76
0.67