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Earnings transcript
Read the complete earnings call transcript.
SNV
Synovus Financial Corp.
$50.05
-1.28
(-2.49%)
| Exchange: | NYSE |
| Market Cap: | 6.948B |
| Shares Outstanding: | 18.69M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Kevin S. Blair | |||||
| Full Time Employees: | 4720 | |||||
| Address: |
| |||||
| Website: | https://www.synovus.com |
Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company’s commercial banking services include treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services comprise accepting customary types of demand and savings deposits 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. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, and financial planning services, as well as provides individual investment advice on equity and other securities. As of December 31, 2020, it operated through 289 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. The company was founded in 1888 and is headquartered in Columbus, Georgia.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Revenue | 2,206,236 | 2,034,286 | 3,193,589 |
| Gross Profit | 1,875,639 | 1,716,251 | 3,193,589 |
| EBITDA | 1,033,349 | 0 | 0 |
| Operating Income | 1,243,064 | 998,210 | 3,147,500 |
| Net Income | 757,902 | 543,705 | 482,460 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Total Assets | 59,731,378 | 59,809,534 | 60,233,644 |
| Total Liabilities | 55,255,577 | 54,665,386 | 54,967,393 |
| Total Stockholders Equity | 4,475,801 | 5,119,993 | 5,244,557 |
| Total Debt | 1,581,199 | 1,421,608 | 1,864,837 |
| Cash and Cash Equivalents | 1,939,413 | 2,414,103 | 2,977,667 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Operating Cash Flow | 1,191,489 | 1,282,623 | 821,030 |
| Capital Expenditure | -30,105 | -32,207 | -56,152 |
| Free Cash Flow | 1,161,384 | 1,250,416 | 764,878 |
| Net Income | 757,902 | 542,141 | 479,451 |
| Net Change in Cash | -1,032,073 | 473,646 | 542,561 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,630,917.690 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,647,221.070 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,639,069.380 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 846,395.674 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 851,640.654 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 849,018.164 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 799,004.234 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 930,950.965 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 832,825.880 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 713,719.749 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 718,142.557 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 715,931.153 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 6.050 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 6.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.510 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 7 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: SNV demonstrates consistent revenue and net income growth as reflected in recent income statements, supported by strong operating cash flow and free cash flow metrics from cash flow statements. This indicates effective operational management and financial stability.
- Favorable Valuation Metrics: The current price-to-earnings ratio (P/E TTM) and price-to-sales ratio (P/S TTM) suggest SNV is reasonably valued compared to industry averages (as per industry and sector data), potentially appealing to value-focused investors.
- Strong Balance Sheet: High levels of cash and cash equivalents, alongside a manageable debt-to-equity ratio (TTM), provide SNV with financial flexibility to weather economic downturns or fund strategic initiatives, as evidenced by balance sheet data.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SNV intrinsic value between $73.36 – $77.62 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about SNV valuation
Is Synovus Financial Corp. (SNV) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Synovus Financial Corp. (SNV) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SNV a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SNV trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SNV’s P/E ratio?
You can see SNV’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SNV?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SNV a good long-term investment?
Whether SNV fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SNV
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-2.49
Trading Metrics:
| Open: | 51.43 | Previous Close: | 51.33 | |
| Day Low: | 49.92 | Day High: | 51.43 | |
| Year Low: | 35.94 | Year High: | 61.06 | |
| Price Avg 50: | 48.66 | Price Avg 200: | 48.46 | |
| Volume: | 9.31M | Average Volume: | 1.207M |
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Login — it's freeSNV full analysis
Welcome to MARKETSNAP’s SWOT analysis for Synovus Financial Corp, also known by its ticker SNV. If you’re a long-term investor looking to build wealth, you’re in the right place as we dive deep into this regional banking player. Today, we’re breaking down what makes Synovus tick, from its financials to recent developments, and giving you a clear picture of its potential through a detailed SWOT analysis. So, let’s get started and see if this stock deserves a spot in your…
