NYSE$SNV

Synovus Financial Corp. · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

Reported diluted earnings per share of $0.96 and adjusted diluted earnings per share of $1.08.

Synovus Financial Corp. reported net income available to common shareholders of $142.1 million, or $0.96 per diluted share, for the fourth quarter of 2020. Adjusted earnings per diluted share were $1.08. Period-end deposit growth of $2.03 billion or 5% from the third quarter. Net interest income of $385.9 million increased $8.9 million or 2% sequentially.

  • Net income available to common shareholders was $142.1 million or $0.96 per diluted share as compared to $83.3 million or $0.56 in the prior quarter.
  • Adjusted earnings per diluted share of $1.08, up 22% sequentially and 15% year-over-year.
  • Period-end deposit growth of $2.03 billion or 5% from the third quarter.
  • Net interest income of $385.9 million increased $8.9 million or 2% sequentially.

Headline financials

Total Revenue

$501M

Previous: $497M+0.7%
EPS (adj)

$1.08

Previous: $0.94+14.9%
Capital Expenditures

$7.32M

Previous: $21M-65.2%
Free Cash Flow

$218M

Previous: $236M-7.6%
Net Income

$150M

Previous: $152M-0.8%
Operating Income

$187M

Previous: $207M-9.4%
Gross Profit

$1.71B

Previous: $496M+244.5%
Cash & Equivalents

$4.25B

Previous: $1.19B+258.3%
Total Assets

$54.4B

Previous: $48.2B+12.8%
Stock-Based Comp

$4.77M

Previous: $3.09M+54.3%

Revenue & EPS history

Synovus · Revenue · Quarterly

$501M

Q4 2020+0.7%vs Q4 2019
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

Synovus · $38.3B total across 3 segments · Q4 2020

  • Commercial & Industrial
    $19.4B
  • Commercial Real Estate
    $10.6B
  • Consumer
    $8.39B

Forward guidance

In the year ahead, Synovus expects its Synovus Forward initiatives to produce additional revenue opportunities, expense savings, and efficiencies that will further strengthen the 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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