NYSE$SNV

Synovus Financial Corp. · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Synovus reported strong third-quarter earnings driven by increased productivity, deeper client relationships, and prudent expense management.

Synovus Financial Corp. reported a strong third quarter with diluted earnings per share of $1.33, up from $1.21 in 3Q21. Total revenue increased by 16% year-over-year to $582.2 million, driven by strong loan growth and higher interest rates. Pre-provision net revenue was up 24% year-over-year, and credit quality remained solid.

  • Net income available to common shareholders was $194.8 million, or $1.33 per diluted share, up sequentially and compared to the prior year.
  • Total revenue increased to $582.2 million, driven by strong loan growth and higher interest rates.
  • Pre-provision net revenue increased to $288.2 million, up 24% compared to the prior year.
  • Period-end loans increased by $1.37 billion sequentially, with growth diversified across asset classes and commercial business lines.

Headline financials

Total Revenue

$288M

Previous: $233M+23.8%
EPS (adj)

$1.34

Previous: $1.20+11.7%
Capital Expenditures

-$21.5M

Previous: -$20M-7.5%
Free Cash Flow

$589M

Previous: $823M-28.4%
Net Income

$203M

Previous: $187M+8.7%
Operating Income

$125M

Previous: $129M-3.2%
Gross Profit

$270M

Previous: $229M+18.0%
Cash & Equivalents

$549M

Previous: $506M+8.4%
Total Assets

$58.6B

Previous: $55.5B+5.6%
Stock-Based Comp

$7.87M

Previous: $8.35M-5.7%

Revenue & EPS history

Synovus · Revenue · Quarterly

$288M

Q3 2022+23.8%vs Q3 2021
Beat estimate in 6 of 16 quarters(38%)
ActualEstimate

Revenue by segment

Synovus · $42.6B total across 3 segments · Q3 2022

  • Commercial & Industrial
    $21.2B
  • Commercial Real Estate
    $12.3B
  • Consumer
    $9.07B

Forward guidance

Synovus is committed to its path forward by investing in core and new business initiatives while prioritizing credit, capital, and liquidity management.

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 Q3 2022

Historical avgQ3 2022

+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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