NYSE$SNV

Synovus Financial Corp. · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Synovus reported diluted earnings per share of $0.78 and adjusted diluted earnings per share of $0.79 for Q1 2024.

Synovus Financial Corp. reported net income available to common shareholders of $114.8 million, or $0.78 per diluted share, for the quarter ended March 31, 2024. The results reflect progress on strategic priorities, including loan and core deposit growth, client non-interest revenue growth, and expense control. The company's CET1 ratio rose sequentially to 10.38%.

  • Net income available to common shareholders was $114.8 million, or $0.78 per diluted share.
  • Pre-provision net revenue increased $79.2 million, or 58%, sequentially.
  • Period-end core deposits ended the quarter at $44.9 billion, an increase of $165.1 million sequentially.
  • The preliminary CET1 ratio rose sequentially to 10.38%.

Headline financials

Total Revenue

$215M

Previous: $292M-26.4%
EPS

$0.78

Previous: $1.33-41.4%
Non-Performing Loan Ratio

0.8%

No prior period
Net Interest Margin

3.0%

No prior period
Return on Assets

0.8%

No prior period
Return on Common Equity

10.2%

No prior period
Efficiency Ratio

59.9%

No prior period
Net Charge-Off Ratio

0.4%

No prior period
CET1 Capital Ratio

10.4%

No prior period
Total Deposits

$50.6B

No prior period
Total Loans

$43.3B

No prior period
Capital Expenditures

-$18.5M

Previous: -$6.52M-183.6%
Free Cash Flow

$5.59M

Previous: $348M-98.4%
Net Income

$125M

Previous: $202M-38.4%
Operating Income

-$281M

Previous: -$29.5M-853.0%
Gross Profit

$157M

Previous: $260M-39.5%
Total Assets

$59.8B

Previous: $61.8B-3.2%
Stock-Based Comp

$7.91M

Previous: $8.71M-9.1%

Revenue & EPS history

Synovus · Revenue · Quarterly

$215M

Q1 2024-26.4%vs Q1 2023
Beat estimate in 6 of 16 quarters(38%)
ActualEstimate

Revenue by segment

Synovus · $44.6B total across 3 segments · Q4 2025

  • Commercial & Industrial
    $24.3B
  • Commercial Real Estate
    $12.1B
  • Consumer
    $8.24B

Forward guidance

Synovus Financial Corp. did not provide specific forward guidance in the earnings report. The report focused on the results of the first quarter of 2024 and strategic priorities.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 16 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.3%

Avg return

Earnings day

+0.0%

Avg return

5 days after

+2.5%

Avg return

30 days after

55%

37 / 67 earnings

Positive

+18.0%

Q1 2020

Best reaction

-13.3%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026
Q4 2025
Q3 2025-6.0%-1.9%-0.4%
Q2 2025+1.9%+12.7%-6.5%
Q1 2025+1.9%+2.4%+22.0%
Q4 2024+1.0%+1.6%+2.9%
Q3 2024+7.5%+3.3%+17.8%
Q2 2024-1.0%+1.0%-4.6%
Q1 2024-7.5%-2.6%+8.4%
Q4 2023+3.6%+8.5%+3.6%
Q3 2023-4.9%-8.7%+10.2%
Q2 2023-2.8%-3.9%-10.1%
Q1 2023+3.9%+1.8%-9.6%
Q4 2022-3.2%+3.0%+11.0%
Q3 2022-13.3%-8.1%-0.1%
Q2 2022+0.7%+1.5%+11.7%
Q1 2022-7.2%-7.6%-18.1%
Q4 2021-3.7%-2.5%+1.7%
Q3 2021+6.6%
Q2 2021+4.1%
Q1 2021-1.3%
Q4 2020-1.1%
Q3 2020+4.7%
Q2 2020+12.3%
Q1 2020+18.0%
Q4 2019-9.3%
Q3 2019-4.8%
Q2 2019+2.1%
Q1 2019+1.3%
Q4 2018+1.5%
Q3 2018-9.4%
Q2 2018-9.2%
Q1 2018+2.7%
Q4 2017+1.8%
Q3 2017-0.4%
Q2 2017-1.9%
Q1 2017+4.7%
Q4 2016-1.6%
Q3 2016+3.8%
Q2 2016+1.5%
Q1 2016+1.4%
Q4 2015-2.3%
Q3 2015+0.5%
Q2 2015+2.3%
Q1 2015+1.9%
Q4 2014-0.7%
Q3 2014+4.0%
Q2 2014+2.0%
Q1 2014+1.2%
Q4 2013-1.1%
Q3 2013-2.4%
Q2 2013+7.6%
Q1 2013+3.9%
Q4 2009-0.8%
Q4 2012-5.9%
Q3 2012+5.4%
Q2 2012+2.0%
Q1 2012+0.5%
Q4 2011+3.4%
Q4 2010+3.4%
Q3 2011-2.6%
Q2 2011+4.6%
Q1 2010+0.8%
Q1 2011+5.0%
Q4 2008-0.4%
Q3 2009-4.7%
Q3 2010-4.7%
Q2 2010+0.0%
Q2 2009+0.0%

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