US · SNV
Synovus Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Columbus, GA 31901
- Website
- synovus.com
Price · as of 2024-12-31
—
Market cap 6.27B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $27.86 | — |
| Intrinsic Value(DCF) | $44.86 | — |
| Graham-Dodd Method(GD) | $22.64 | — |
| Graham Formula(GF) | $31.05 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $11.92 | $11.94 | $14.39 | $0.00 | $53.31 |
| 2011 | $9.48 | $20.96 | $19.49 | $11.61 | $0.26 |
| 2012 | $13.43 | $12.86 | $28.55 | $57.84 | $0.00 |
| 2013 | $17.47 | $26.95 | $21.56 | $20.61 | $0.00 |
| 2014 | $20.25 | $50.98 | $20.61 | $23.09 | $11.46 |
| 2015 | $21.32 | $42.40 | $21.87 | $23.58 | $18.13 |
| 2016 | $31.11 | $40.91 | $23.38 | $24.58 | $29.04 |
| 2017 | $39.39 | $43.06 | $25.56 | $27.30 | $54.15 |
| 2018 | $28.94 | $30.71 | $28.39 | $29.03 | $56.79 |
| 2019 | $20.18 | $39.62 | $69.21 | $29.02 | $198.12 |
| 2020 | $41.31 | $24.95 | $62.75 | $21.91 | $10.91 |
| 2021 | $40.92 | $19.94 | $71.68 | $35.56 | $0.00 |
| 2022 | $30.92 | $26.58 | $55.41 | $30.09 | $131.16 |
| 2023 | $37.04 | $30.52 | $73.99 | $24.49 | $160.52 |
| 2024 | $45.39 | $27.86 | $52.96 | $22.64 | $31.05 |
AI valuation
Our deep-learning model estimates Synovus Financial Corp.'s (SNV) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $27.86
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$44.86
— upside
Graham-Dodd
$22.64
— upside
Graham Formula
$31.05
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SNV | Synovus Financial Corp. | $45.15 | 6.27B | -38% | -1% | -50% | -31% | 13.65 | 1.25 | 1.91 | -3.19 | — | 1.38 | 53.84% | 17.67% | 14.09% | 9.25% | -10.56% | 0.80% | 0.36 | 0.42 | 0.22 | 0.22 | -1.67 | -1243.00% | 116.00% | -3883.00% | 11.69% | 0.02 | -16.85% | 3.99% | 54.40% | 9.99% | -3.50 | -2.77 | -0.62 | -0.57 |
| BMA | Banco Macro S.A. | $88.89 | 5.68B | +8,561% | +128% | -19% | — | 24.61 | 1.36 | 1.75 | — | — | -0.04 | 100.00% | 61.18% | 7.11% | 0.01% | 0.08% | 0.00% | 286.47 | — | — | — | — | -9994.00% | -9996.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 604.91 | — | 370.08 | 0.00 |
| BOKF | BOK Financial Corporation | $107.10 | 6.78B | -9% | +8% | -15% | -36% | 13.54 | 1.32 | 2.35 | 6.82 | 106.00 | 1.62 | 63.74% | 21.39% | 17.38% | 10.08% | -147.87% | 1.13% | 0.78 | 0.59 | 0.17 | 0.16 | 3.75 | 1278.00% | -107.00% | -5976.00% | 7.35% | 0.01 | -147.27% | 1.88% | 25.50% | 7.72% | 7.61 | 9.40 | 1.63 | -0.65 |
| CADE | Cadence Bank | $37.31 | 6.88B | -19% | +310% | -42% | +201% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| CBSH | Commerce Bancshares, Inc. | $53.73 | 7.17B | -41% | -0% | -43% | -22% | 12.59 | 1.90 | 3.36 | 0.38 | 232.07 | 1.98 | 80.00% | 34.20% | 26.46% | 16.07% | -12.17% | 1.76% | 0.79 | 1.97 | — | — | 2.86 | 543.00% | 223.00% | 1141.00% | 8.24% | — | -12.63% | 2.09% | 26.30% | 4.98% | 0.40 | 0.49 | 0.14 | 0.65 |
| COLB | Columbia Banking System, … | $26.52 | 5.73B | +57% | +427% | +16% | +14% | 15.60 | 1.09 | 2.67 | 13.30 | — | 1.52 | 67.66% | 23.38% | 17.11% | 8.49% | 6.27% | 0.93% | 0.49 | 0.82 | 0.01 | 0.01 | 3.72 | -980.00% | 835.00% | 1970.00% | 8.70% | 0.02 | 8.24% | 0.00% | 0.00% | 0.00% | 15.85 | 15.96 | 3.71 | -0.63 |
| FNB | F.N.B. Corporation | $15.86 | 5.68B | +237% | -9% | -21% | +28% | 10.94 | 0.92 | 2.30 | 5.80 | 47.93 | 1.46 | 62.31% | 24.84% | 20.98% | 8.66% | 11.74% | 1.14% | 0.58 | 0.72 | 1.01 | 0.99 | 2.12 | 2283.00% | 494.00% | -2525.00% | 6.08% | 0.01 | 7.81% | 2.81% | 30.80% | 10.55% | 5.80 | 10.32 | 1.44 | 0.26 |
| OZK | Bank OZK | $44.42 | 5.04B | -10% | +87% | +85% | +35% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| PB | Prosperity Bancshares, In… | $66.73 | 6.34B | -36% | +8% | +8% | -32% | 12.35 | 0.88 | 3.86 | -2.16 | 93.07 | 1.65 | 71.88% | 39.90% | 31.23% | 7.21% | -36.05% | 1.39% | 0.28 | 1.42 | 0.81 | 5.02 | 2.17 | 1327.00% | -23.00% | 2169.00% | 8.20% | 0.26 | -36.49% | 0.00% | 0.00% | 0.00% | -2.65 | -3.34 | -1.06 | 0.36 |
| PNFP | Pinnacle Financial Partne… | $86.43 | 6.7B | -35% | +6% | -14% | +64% | 16.94 | 1.25 | 2.82 | 2.43 | — | 1.76 | 49.08% | 20.37% | 16.65% | 7.62% | 39.84% | 0.94% | 0.39 | 0.44 | 0.21 | 0.21 | -1.19 | -1653.00% | 1532.00% | 10175.00% | 10.03% | 0.02 | 67.70% | 1.05% | 17.70% | 19.13% | 2.85 | 2.05 | 0.58 | -0.50 |
| VLY | Valley National Bancorp | $10.93 | 6.13B | +85% | -1% | +46% | -41% | 11.99 | 0.92 | 2.05 | 8.68 | 25.85 | 1.23 | 53.94% | 21.30% | 17.12% | 7.85% | 7.43% | 0.94% | 0.49 | 0.51 | 10.26 | 10.26 | 4.69 | 4638.00% | -221.00% | -2652.00% | 5.62% | 0.87 | 5.01% | 0.00% | 0.00% | 0.88% | 8.68 | 16.01 | 1.85 | 0.29 |
About Synovus Financial Corp.
Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company's commercial banking services include treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services comprise accepting customary types of demand and savings deposits accounts; mortgage, installment, and other consumer loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet-based banking services; and bank credit and debit card services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, and financial planning services, as well as provides individual investment advice on equity and other securities. As of December 31, 2020, it operated through 289 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. The company was founded in 1888 and is headquartered in Columbus, Georgia.
- CEO
- Kevin S. Blair
- Employees
- 4.72K
- Beta
- 1.23
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($44.86 ÷ —) − 1 = — (DCF, example).