Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
SNV 
Synovus Financial Corp (SNV)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/26/2025: SNV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -20.7% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/26/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.45B USD | Price to earnings Ratio 15.1 | 1Y Target Price 60.53 |
Price to earnings Ratio 15.1 | 1Y Target Price 60.53 | ||
Volume (30-day avg) 1724386 | Beta 1.39 | 52 Weeks Range 32.30 - 58.98 | Updated Date 04/1/2025 |
52 Weeks Range 32.30 - 58.98 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.34% | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.04% | Operating Margin (TTM) 46.62% |
Management Effectiveness
Return on Assets (TTM) 0.8% | Return on Equity (TTM) 9.21% |
Valuation
Trailing PE 15.1 | Forward PE 9.78 | Enterprise Value 6691000320 | Price to Sales(TTM) 3.56 |
Enterprise Value 6691000320 | Price to Sales(TTM) 3.56 | ||
Enterprise Value to Revenue 4.43 | Enterprise Value to EBITDA - | Shares Outstanding 140968992 | Shares Floating 139903344 |
Shares Outstanding 140968992 | Shares Floating 139903344 | ||
Percent Insiders 0.49 | Percent Institutions 87.58 |
Analyst Ratings
Rating 3.93 | Target Price 60.53 | Buy 4 | Strong Buy 5 |
Buy 4 | Strong Buy 5 | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Synovus Financial Corp
Company Overview
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.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals and small to medium-sized businesses, including checking and savings accounts, loans, mortgages, and wealth management services.
- Commercial Banking: Offers financial solutions to larger corporations, including commercial lending, treasury management, investment banking, and international services.
- Financial Management Services: Provides services related to wealth management, trust services, and insurance products
Leadership and Structure
Kevin Blair serves as the CEO of Synovus. The company operates with a regional banking structure, with various divisions reporting to the executive leadership team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Synovus offers a wide array of commercial loans, including term loans, lines of credit, and real estate financing. Market share data is fragmented across various loan types and geographies, making precise figures difficult to pinpoint. Competitors include Truist, Regions, and national banks like JP Morgan Chase and Bank of America.
- Retail Banking Products: Synovus offers checking, savings, and credit card products for consumers. Market share is regional, concentrated in the Southeast. Key competitors include Wells Fargo, Bank of America, and regional credit unions.
- Treasury Management Services: Synovus offers lockbox, remote deposit capture, and other services for the optimization of accounts payable and receivable functions for companies. Competitors include: Truist, PNC, and Bank of America. No specific market share data available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, technological disruption (fintech), rising interest rates, and competition from non-traditional financial service providers. Economic conditions heavily influence banking profitability.
Positioning
Synovus Financial Corp. is a regional bank focused on the Southeast. Its competitive advantages include strong local relationships, personalized service, and a focus on small to medium-sized businesses.
Total Addressable Market (TAM)
The US banking TAM is estimated in the trillions of dollars, encompassing all lending, deposit-taking, and financial services activities. Synovus's position is concentrated in the Southeast, targeting a subset of this massive market.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Solid credit quality
- Diversified revenue streams
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on regional economic conditions
- Vulnerability to interest rate fluctuations
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Acquisitions of smaller banks
- Capitalizing on disruption in other firms
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in the Southeast
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TRST
- RF
- PNC
- BAC
Competitive Landscape
Synovus is a regional player in a competitive market dominated by larger national banks. Its advantages include strong local relationships and personalized service, while its disadvantages include limited geographic diversification and smaller scale.
Major Acquisitions
Florida Community Bankshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 2900
- Strategic Rationale: Expanded Synovus's presence in Florida, a key growth market, and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Synovus has achieved growth through a combination of organic expansion and strategic acquisitions. Revenue and earnings have generally trended upwards.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings over the next few years, driven by loan growth and improved efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new markets within the Southeast, and focus on enhancing customer experience.
Summary
Synovus Financial Corp. is a regional bank with a solid presence in the Southeast. Its financial performance is stable, with a diversified revenue base and a focus on customer service. The company faces increasing competition and regulatory challenges, but its growth strategy, focused on digital banking and expansion, positions it well for the future, although slower TAM share gains will be a major consideration.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Earnings call transcripts
- Analyst reports
- Industry publications
- Market share data from research reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share figures are estimates and may vary depending on the source. Future performance is not guaranteed.
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 4775 | Website https://www.synovus.com |
Full time employees 4775 | 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.