NYSE$SNV
Synovus Financial Corp. · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Synovus reported solid fourth-quarter earnings driven by core deposit growth and strong asset yields.
Synovus posted Q4 2025 net income of $171.1 million with revenue of $629.7 million. Adjusted EPS grew to $1.45 despite a $14.2 million impact from the surrender of BOLI policies. Net interest margin expanded, credit quality remained stable, and deposits rose sequentially.
Headline financials
Revenue & EPS history
Synovus · Revenue · Quarterly
$630M
Revenue by segment
Synovus · $44.6B total across 3 segments · Q4 2025
- Commercial & Industrial$24.3B—54.4%
- Commercial Real Estate$12.1B—27.1%
- Consumer$8.24B—18.5%
Forward guidance
Synovus expects continued growth and integration with Pinnacle in 2026, driven by core banking performance and operational alignment.
Tailwinds
- Strong core deposit growth to support funding base.
- Healthy net interest margin expansion from asset repricing.
- Non-interest revenue growth across capital markets and wealth management.
- Stable credit quality with low net charge-offs and strong reserves.
- Improved capital ratios heading into merger with Pinnacle.
Headwinds
- EPS reduced by $0.10 due to surrender of $220M in BOLI policies.
- Slight decline in return on assets and equity compared to prior year.
- Efficiency ratio worsened slightly year over year.
- Provision for credit losses increased sequentially.
- Merger-related expenses continued to impact non-interest expense.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 16 quarterly earnings reports
+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
| Quarter | Report date | Reaction (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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