NYSE$SNV

Synovus Financial Corp. · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Synovus's financial performance in Q2 2021 reflected solid earnings per share and revenue growth driven by net interest income, along with improved credit outlook and disciplined expense management.

Synovus Financial Corp. reported a net income available to common shareholders of $177.9 million, or $1.19 per diluted share, for the second quarter of 2021. Adjusted diluted EPS was $1.20. Revenue growth was driven by an increase in net interest income. The credit outlook improved, and the company remained focused on growth drivers while maintaining expense discipline.

  • Net income available to common shareholders was $177.9 million, or $1.19 per diluted share.
  • Adjusted diluted EPS was $1.20, up $0.97 compared to prior year.
  • Net interest income increased by $8.0 million sequentially, driven by asset growth and reduced deposit costs.
  • A reversal of provision for credit losses of $24.6 million was supported by a more positive economic outlook.

Headline financials

Total Revenue

$218M

Previous: $266M-17.9%
EPS (adj)

$1.20

Previous: $0.23+421.7%
Net Interest Margin

3.0%

No prior period
Efficiency Ratio

55.2%

No prior period
Capital Expenditures

-$12.4M

Previous: -$20.2M+38.5%
Free Cash Flow

$424M

Previous: -$903M+147.0%
Net Income

$186M

Previous: $93.2M+99.8%
Operating Income

$91M

Previous: -$31.9M+384.8%
Gross Profit

$198M

Previous: $124M+60.0%
Cash & Equivalents

$582M

Previous: $593M-1.9%
Total Assets

$54.9B

Previous: $54.1B+1.5%
Stock-Based Comp

$5.47M

Previous: $5.35M+2.2%

Revenue & EPS history

Synovus · Revenue · Quarterly

$218M

Q2 2021-17.9%vs Q2 2020
Beat estimate in 6 of 16 quarters(38%)
ActualEstimate

Revenue by segment

Synovus · $38.2B total across 3 segments · Q2 2021

  • Commercial & Industrial
    $19.2B-4.0%
  • Commercial Real Estate
    $10.4B-4.3%
  • Consumer
    $8.72B-5.6%

Forward guidance

Synovus expects sustained profitable growth, positive operating leverage, and higher returns as it progresses toward becoming a top quartile performing bank.

Historical earnings impact

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

Avg. return before/after earnings

Based on 16 quarterly earnings reports

Historical avg

+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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