NYSE$SNV

Synovus Financial Corp. · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Synovus's third quarter earnings demonstrated strong fundamental trends with an adjusted return on average assets of 1.3% and an adjusted return on tangible common equity of 17.1%.

Synovus Financial Corp. reported diluted earnings per share of $1.18 for the third quarter of 2024, compared to $0.60 in 3Q23. Adjusted diluted earnings per share were $1.23 versus $0.84 in 3Q23. The company's net income available to common shareholders was $169.6 million, and adjusted net income was $177.1 million.

  • Net income available to common shareholders was $169.6 million, or $1.18 per diluted share.
  • Adjusted net income available to common shareholders was $177.1 million, or $1.23 per diluted share.
  • Pre-provision net revenue was $251.0 million, up 28% compared to third quarter 2023.
  • Period-end core deposits were $45.1 billion, an increase of $294.6 million sequentially.

Headline financials

Total Revenue

$251M

Previous: $197M+27.6%
EPS

$1.18

Previous: $0.84+40.5%
Non-Performing Loan Ratio

0.7%

No prior period
Net Interest Margin

3.2%

Previous: 3.1%+3.5%
Return on Assets

1.2%

No prior period
Return on Common Equity

14.4%

No prior period
Efficiency Ratio

55.4%

No prior period
Net Charge-Off Ratio

0.3%

No prior period
CET1 Capital Ratio

10.6%

No prior period
Tier 1 Capital Ratio

11.8%

No prior period
Total Risk-Based Capital Ratio

13.6%

No prior period
Tier 1 Leverage Ratio

9.6%

No prior period
ROATCE

16.4%

No prior period
Tangible Common Equity Ratio

7.3%

No prior period
Total Deposits

$50.2B

No prior period
Total Loans

$43.1B

No prior period
Capital Expenditures

-$44.4M

Previous: -$20.6M-115.9%
Free Cash Flow

$516M

Previous: $996M-48.2%
Net Income

$182M

Previous: $97.1M+87.0%
Operating Income

-$226M

Previous: -$317M+28.5%
Gross Profit

$224M

Previous: $124M+81.2%
Total Assets

$59.6B

Previous: $59.3B+0.4%
Stock-Based Comp

$8.44M

Previous: $7.9M+6.9%

Revenue & EPS history

Synovus · Revenue · Quarterly

$251M

Q3 2024+27.6%vs Q3 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 Chairman, CEO and President Kevin Blair remains optimistic about the company's ability to accelerate growth given increased loan production and sustained strong core fee generation.

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 2024

Historical avgQ3 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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