SNV - NYSE

Synovus Financial Corp.

SNV·NYSE

$50.05

-2.5%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$6.95B

EPS3.0500

P/E Ratio16.41

Earnings Date01/21/2026

60.23B

Assets

3Y+5.0%

5Y+25.0%

10Y+109.0%

54.97B

Total Liabilities

3Y+6.0%

5Y+27.0%

10Y+113.0%

5.27B

Total Equity

3Y-1.0%

5Y+7.0%

10Y+76.0%

Synovus Financial Corp. Funding & Solvency Profile

SNV · NYSE

Current Assets

Cash & Cash Equivalents2.98B

Net Receivables699.77M

Inventory0.00

Other Current Assets0.00

Total Current Assets11 B

Non-Current Assets

Property, Plant & Equipment813.18M

Goodwill & Intangible Assets514.76M

Long-Term Investments45.76B

Other Non-Current Assets1.20B

Total Non-Current Assets48 B

Total Assets

60.23B

Financial Health Analysis

Current Ratio

0.22x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

10.44x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-39951710000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

19% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Synovus Financial Corp. Balance Sheet

SNV • NYSE

Synovus Financial Corp. Balance Sheet	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006	Dec 2005
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	3B	2.4B	1.9B	2.9B	4.1B	1.1B	1.1B	885.1M	941M	1.2B	1.2B	1.1B	2.1B	2.1B	3.5B	2.5B	1.7B	693.5M	909.4M	883.9M
Short-Term Investments	7.6B	9.8B	9.7B	10.9B	8B	6.8B	4B	4B	3.7B	3.6B	3B	3.2B	3B	3.7B	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	10.5B	12.2B	11.6B	13.9B	12.1B	7.9B	5.1B	4.9B	4.7B	4.8B	4.3B	4.3B	5.1B	5.8B	3.5B	2.5B	1.7B	693.5M	909.4M	883.9M
Net Receivables	699.8M	499.3M	394M	242.3M	281.7M	234.9M	182.8M	170.2M	102.8M	84.9M	87.5M	98.3M	91.5M	109.8M	0.0	0.0	0.0	297.4M	0.0	0.0
Accounts Receivables	699.8M	480M	378.7M	227M	266.2M	204.8M	146.8M	123.9M	100.2M	84.9M	87.5M	98.3M	91.5M	106.1M	0.0	0.0	0.0	244.5M	0.0	0.0
Other Receivables	0.0	19.3M	15.3M	15.3M	15.6M	30.1M	36.1M	46.3M	2.6M	0.0	0.0	0.0	0.0	3.7M	0.0	0.0	0.0	52.9M	0.0	0.0
Prepaids	46.9M	47.5M	48.2M	42.9M	45.1M	42.3M	38M	33.3M	35.5M	33.3M	33.2M	29M	28.6M	22.5M	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	11.3B	12.7B	12.1B	14.1B	12.4B	8.2B	5.3B	5.1B	4.8B	4.9B	4.4B	4.5B	5.2B	5.9B	3.5B	2.5B	1.7B	991M	909.4M	883.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	813.2M	838.9M	792.1M	818.7M	844.3M	868.7M	434.3M	426.8M	417.5M	445.2M	455.2M	468.9M	479.5M	486.9M	545M	580.4M	605M	547.4M	752.7M	669.4M
Goodwill	480.4M	480.4M	452.4M	452.4M	452.4M	497.3M	57.3M	57.3M	59.7M	24.4M	24.4M	24.4M	24.4M	24.4M	24.4M	24.4M	39.5M	519.1M	0.0	0.0
Intangible Assets	34.3M	45.9M	27.1M	35.6M	45.1M	55.7M	9.9M	11.3M	13.2M	471K	0.0	3.4M	5.1M	8.5M	12.4M	16.6M	21.3M	28M	0.0	0.0
Goodwill & Intangible Assets	514.8M	526.4M	479.5M	488M	497.5M	552.9M	67.2M	68.6M	72.9M	24.9M	24.4M	27.8M	29.6M	33M	36.9M	41.1M	60.8M	547.1M	1.1B	935.1M
Long-Term Investments	45.8B	43.8B	44.3B	40.3B	39.1B	37.6B	25.9B	24.7B	23.7B	22.3B	21B	19.9B	19.5B	19.9B	24.7B	27.8B	31.2B	30B	27.9B	24.2B
Tax Assets	473.8M	510.4M	595.3M	169.1M	368.2M	65.1M	141.1M	165.8M	395.4M	511.9M	622.5M	744.6M	806.4M	2.1M	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	1.2B	1.2B	1.3B	995.1M	1.1B	1.2B	820.3M	803.4M	677.1M	588M	594.9M	613.4M	708.8M	868.2M	1.3B	1.9B	2.2B	1B	1.2B	928.1M
Total Non-Current Assets	48.8B	46.8B	47.7B	42.9B	42B	39.7B	27.1B	25.9B	25.1B	23.7B	22.5B	21.6B	21.3B	21.2B	26.4B	30.1B	34B	32B	30.8B	26.6B
Total Assets	60.2B	59.8B	59.7B	57.3B	54.4B	48.2B	32.7B	31.2B	30.1B	28.8B	27.1B	26.2B	26.8B	27.2B	30.1B	32.8B	35.8B	33.1B	31.9B	27.6B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	131.7M	189.1M	746.6M	264.1M	227.9M	1.9B	887.7M	261.2M	159.7M	177M	126.9M	148.1M	201.2M	313.8M	499.2M	475.1M	725.9M	2.3B	1.6B	1.2B
Other Current Liabilities	51.1B	50.7B	48.9B	49.4B	46.7B	38.4B	26.7B	26.1B	24.6B	23.2B	21.5B	20.9B	21.1B	22.4B	24.5B	27.4B	28.6B	25B	24.3B	20.8B
Total Current Liabilities	51.2B	50.9B	49.6B	49.7B	46.9B	40.3B	27.6B	26.4B	24.8B	23.4B	21.7B	21B	21.3B	22.7B	25B	27.9B	29.3B	27.3B	25.9B	21.9B
NON-CURRENT LIABILITIES
Long Term Debt	1.7B	1.2B	834.6M	1.2B	1.2B	2.2B	1.7B	1.6B	2.2B	2.2B	2.1B	2B	1.7B	1.4B	1.8B	1.8B	2.1B	1.9B	1.4B	1.9B
Other Non-Current Liabilities	2B	2.5B	4.8B	1.1B	1.1B	782.9M	270.4M	245M	207.4M	185.9M	211M	194.6M	205.8M	245.2M	260.9M	299.7M	516.5M	453.4M	692M	597.7M
Total Non-Current Liabilities	3.7B	3.7B	5.6B	2.3B	2.3B	2.9B	1.9B	1.9B	2.4B	2.4B	2.4B	2.2B	1.9B	1.6B	2.1B	2.1B	2.6B	2.3B	2B	2.5B
Capital Lease Obligations	0.0	0.0	0.0	549M	1.8M	358.3M	1.5M	1.5M	1.6M	1.7M	1.8M	2.5M	4.1M	4.7M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	55B	54.7B	55.3B	52B	49.2B	43.3B	29.5B	28.3B	27.2B	25.8B	24B	23.3B	23.2B	24.3B	27.1B	30B	32B	29.6B	27.9B	24.5B
SHAREHOLDERS' EQUITY
Treasury Stock	-1.2B	-944.5M	-944.5M	-931.5M	-731.8M	-715.6M	-1B	-839.7M	-664.6M	-401.5M	-187.8M	-114.2M	-114.2M	-114.2M	-114.2M	-114.2M	-114.1M	-113.9M	-113.9M	-113.9M
Preferred Stock	537.1M	537.1M	537.1M	537.1M	537.1M	537.1M	195.1M	126M	126M	126M	126M	125.9M	957.3M	947M	937.3M	928.2M	919.6M	0.0	0.0	0.0
Common Stock	172.2M	171.4M	170.1M	169.4M	168.1M	166.8M	143.3M	142.7M	142M	140.6M	140M	139.7M	792.3M	791M	791M	495.5M	336M	335.5M	331.2M	318.3M
Additional Paid-In Capital	4B	4B	3.9B	3.9B	3.9B	3.8B	3.1B	3B	3B	3B	3B	3B	2.2B	2.2B	2.3B	1.6B	1.2B	1.1B	1B	686.4M
Retained Earnings	2.7B	2.5B	2.2B	1.7B	1.2B	1.1B	843.8M	544.2M	351.8M	175M	14.9M	-137.5M	-260M	-1.1B	-966.6M	-148.4M	1.4B	2.1B	2.5B	2.1B
Accumulated Other Comprehensive Income/Loss	-970.8M	-1.1B	-1.4B	-82.3M	158.6M	65.6M	-94.4M	-54.8M	-55.7M	-29.8M	-12.6M	-41.3M	4.1M	21.1M	57.2M	84.8M	129.3M	31.4M	-2.1M	-32.7M
Total Stockholders' Equity	5.2B	5.1B	4.5B	5.3B	5.2B	4.9B	3.1B	3B	2.9B	3B	3B	2.9B	3.6B	2.8B	3B	2.9B	3.8B	3.4B	3.7B	2.9B
Total Equity	5.3B	5.1B	4.5B	5.3B	5.2B	4.9B	3.1B	3B	2.9B	3B	3B	2.9B	3.6B	2.8B	3B	2.9B	3.8B	3.4B	3.9B	3.1B
Minority Interest	21.7M	24.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	26.6M	20.5M	32.3M	0.0	236.7M	197M
SUMMARY
Total Liabilities & Equity	60.2B	59.8B	59.7B	57.3B	54.4B	48.2B	32.7B	31.2B	30.1B	28.8B	27.1B	26.2B	26.8B	27.2B	30.1B	32.8B	35.8B	33.1B	31.9B	27.6B
Total Investments	53.3B	53.6B	54B	51.2B	47.1B	44.4B	29.9B	28.7B	27.5B	25.9B	24B	23.1B	22.5B	23.5B	24.7B	27.8B	31.2B	30B	27.9B	24.2B
Total Debt	1.9B	1.4B	1.6B	1.5B	1.4B	4.1B	2.5B	1.9B	2.3B	2.4B	2.3B	2.2B	1.9B	1.7B	2.3B	2.2B	2.8B	4.2B	2.9B	3.1B
Net Debt	-1.1B	-992.5M	-358.2M	-1.5B	-2.7B	3B	1.4B	982.2M	1.4B	1.1B	1B	1B	-208.8M	-412.5M	-1.2B	-252.2M	1.1B	3.5B	2B	2.2B
Shares Outstanding	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507	138,815,507

SEC Filings

SNV - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2025 N/A	December 09, 2025	December 09, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 08, 2025	December 08, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 01, 2025	December 01, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 01, 2025	December 01, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 26, 2025	November 26, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 06, 2025	November 06, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 04, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 28, 2025	October 28, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 15, 2025	October 15, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 28, 2025	August 27, 2025	2025	View Filing

Showing 1 to 10 of 534 filings

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