NYSE$SNV

Synovus Financial Corp. · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Synovus Financial reported Q3 2025, revenue of $615.4M, net income of $196.5M, diluted EPS of $3.50.

For Q3 2025, Synovus Financial reported revenue of $615.4M, net income of $196.5M, diluted EPS was $3.50. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $615.4M.
  • Net income $196.5M.
  • Diluted EPS $3.50.

Headline financials

Total Revenue

$615M

Previous: $251M+145.1%
EPS (adj)

$3.50

Previous: $1.18+196.6%
Non-Performing Loan Ratio

0.5%

Previous: 0.7%-27.4%
Net Interest Margin

3.4%

Previous: 3.2%+5.9%
Return on Assets

1.3%

Previous: 1.2%+7.4%
Return on Common Equity

14.4%

Previous: 14.4%-0.1%
Efficiency Ratio

56.5%

Previous: 55.4%+2.0%
Net Charge-Off Ratio

0.1%

Previous: 0.3%-44.0%
CET1 Capital Ratio

11.2%

Previous: 10.6%+5.6%
Tier 1 Capital Ratio

12.3%

Previous: 11.8%+4.9%
Total Risk-Based Capital Ratio

14.1%

Previous: 13.6%+3.5%
Tier 1 Leverage Ratio

10.0%

Previous: 9.6%+4.9%
ROATCE

16.1%

Previous: 16.4%-1.6%
Tangible Common Equity Ratio

8.0%

Previous: 7.3%+9.3%
Total Deposits

$50B

Previous: $50.2B-0.4%
Total Loans

$43.8B

Previous: $43.1B+1.5%
Capital Expenditures

-$21.8M

Previous: -$44.4M+51.0%
Net Income

$197M

Previous: $182M+8.5%
Operating Income

$267M

Previous: -$226M+217.8%

Revenue & EPS history

Synovus · Revenue · Quarterly

$615M

Q3 2025+145.1%vs Q3 2024
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

The release discusses Synovus Financial's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Synovus Financial cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 2025

Historical avgQ3 2025

+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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