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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.44
SNV's Cash-to-Debt is ranked lower than
75% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. SNV: 0.44 )
Ranked among companies with meaningful Cash-to-Debt only.
SNV' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.37  Med: 0.64 Max: 3.09
Current: 0.44
0.37
3.09
Equity-to-Asset 0.10
SNV's Equity-to-Asset is ranked higher than
51% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SNV: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
SNV' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.1 Max: 0.13
Current: 0.1
0.09
0.13
Interest Coverage 3.14
SNV's Interest Coverage is ranked higher than
69% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. SNV: 3.14 )
Ranked among companies with meaningful Interest Coverage only.
SNV' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 2.45 Max: 3.14
Current: 3.14
0.21
3.14
Piotroski F-Score: 7
Beneish M-Score: -2.39
WACC vs ROIC
8.60%
6.29%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 33.13
SNV's Operating Margin % is ranked higher than
56% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. SNV: 33.13 )
Ranked among companies with meaningful Operating Margin % only.
SNV' s Operating Margin % Range Over the Past 10 Years
Min: -113.01  Med: 13.22 Max: 34.31
Current: 33.13
-113.01
34.31
Net Margin % 21.05
SNV's Net Margin % is ranked lower than
54% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. SNV: 21.05 )
Ranked among companies with meaningful Net Margin % only.
SNV' s Net Margin % Range Over the Past 10 Years
Min: -100.75  Med: 16.52 Max: 71.07
Current: 21.05
-100.75
71.07
ROE % 8.02
SNV's ROE % is ranked lower than
53% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. SNV: 8.02 )
Ranked among companies with meaningful ROE % only.
SNV' s ROE % Range Over the Past 10 Years
Min: -44.85  Med: 4.91 Max: 24.12
Current: 8.02
-44.85
24.12
ROA % 0.84
SNV's ROA % is ranked lower than
53% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SNV: 0.84 )
Ranked among companies with meaningful ROA % only.
SNV' s ROA % Range Over the Past 10 Years
Min: -4.17  Med: 0.67 Max: 3.08
Current: 0.84
-4.17
3.08
3-Year Revenue Growth Rate 5.80
SNV's 3-Year Revenue Growth Rate is ranked higher than
61% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. SNV: 5.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SNV' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -30.4  Med: -6 Max: 12.3
Current: 5.8
-30.4
12.3
3-Year EBITDA Growth Rate 10.20
SNV's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. SNV: 10.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SNV' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -79.6  Med: 11.5 Max: 61.7
Current: 10.2
-79.6
61.7
3-Year EPS without NRI Growth Rate 29.00
SNV's 3-Year EPS without NRI Growth Rate is ranked higher than
87% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SNV: 29.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SNV' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -56.2  Med: 10.3 Max: 29
Current: 29
-56.2
29
GuruFocus has detected 6 Warning Signs with Synovus Financial Corp $SNV.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SNV's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SNV Guru Trades in Q1 2016

Paul Tudor Jones 8,081 sh (New)
Jim Simons 633,200 sh (+17.19%)
Richard Pzena 1,532,901 sh (+0.68%)
Private Capital 353,865 sh (-1.43%)
Keeley Asset Management Corp 1,274,388 sh (-21.28%)
RS Investment Management 1,564,472 sh (-33.21%)
» More
Q2 2016

SNV Guru Trades in Q2 2016

Jim Simons 675,873 sh (+6.74%)
Paul Tudor Jones Sold Out
Richard Pzena 1,531,317 sh (-0.10%)
Private Capital 348,675 sh (-1.47%)
RS Investment Management 1,423,442 sh (-9.01%)
Keeley Asset Management Corp 1,119,220 sh (-12.18%)
» More
Q3 2016

SNV Guru Trades in Q3 2016

Jim Simons 752,273 sh (+11.30%)
Richard Pzena 1,556,737 sh (+1.66%)
Private Capital 343,214 sh (-1.57%)
Keeley Asset Management Corp 1,005,940 sh (-10.12%)
» More
Q4 2016

SNV Guru Trades in Q4 2016

Richard Pzena 1,600,658 sh (+2.82%)
Jim Simons 744,573 sh (-1.02%)
Private Capital 308,160 sh (-10.21%)
Keeley Asset Management Corp 781,355 sh (-22.33%)
» More
» Details

Insider Trades

Latest Guru Trades with SNV

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Synovus Financial Corp

SymbolPriceYieldDescription
SNVPRC28.187.02Class C

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NYSE:PB, NYSE:WBS, NAS:BOKF, NYSE:WAL, NAS:TFSL, NYSE:FHN, NAS:BPOP, NAS:PVTB, NAS:FHB, NAS:TCBI, NYSE:CFR, NAS:FCNCA, NAS:CBSH, NYSE:BKU, NAS:UMPQ, NAS:HBHC, NAS:UMBF, NAS:HOMB, NYSE:ASB, NAS:WTFC » details
Traded in other countries:SYU1.Germany,
Synovus Financial Corp is a financial services company and a registered bank holding company. It provides integrated financial services including commercial and retail banking, financial management, insurance and mortgage services.

Synovus Financial Corp. was incorporated under the laws of the State of Georgia in 1972. It is a financial services company and a registered bank holding company. The Company provides integrated financial services including commercial and retail banking, financial management, insurance and mortgage services to its customers through 28 locally-branded banking divisions of its wholly-owned subsidiary bank, Synovus Bank, and other offices in Georgia, Alabama, South Carolina, Florida and Tennessee. Synovus Bank is a Georgia state-chartered bank. Its commercial banking services include cash management, asset management, capital markets services, institutional trust services and commercial, financial and real estate loans. Its retail banking services include accepting customary types of demand and savings deposits accounts; mortgage, installment and other retail loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet based banking services; and bank credit card services, including MasterCard and Visa services. The Company competes actively with national and state banks, savings and loan associations and credit unions and other nonbank financial institutions, including securities brokers and dealers, investment advisory firms, mortgage companies, insurance companies, trust companies, finance companies, leasing companies, mortgage companies and certain governmental agencies, all of which actively engage in marketing various types of loans, deposit accounts and other financial services. Like all bank holding companies and financial holding companies, the Company is regulated extensively under federal and state law.

Ratios

vs
industry
vs
history
PE Ratio 22.47
SNV's PE Ratio is ranked lower than
80% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. SNV: 22.47 )
Ranked among companies with meaningful PE Ratio only.
SNV' s PE Ratio Range Over the Past 10 Years
Min: 2.75  Med: 17.82 Max: 28.31
Current: 22.47
2.75
28.31
Forward PE Ratio 18.69
SNV's Forward PE Ratio is ranked lower than
74% of the 388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.18 vs. SNV: 18.69 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.47
SNV's PE Ratio without NRI is ranked lower than
80% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. SNV: 22.47 )
Ranked among companies with meaningful PE Ratio without NRI only.
SNV' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.75  Med: 17.89 Max: 35.47
Current: 22.47
2.75
35.47
Price-to-Owner-Earnings 14.83
SNV's Price-to-Owner-Earnings is ranked higher than
51% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. SNV: 14.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SNV' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.86  Med: 10.59 Max: 78.16
Current: 14.83
5.86
78.16
PB Ratio 1.86
SNV's PB Ratio is ranked lower than
82% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SNV: 1.86 )
Ranked among companies with meaningful PB Ratio only.
SNV' s PB Ratio Range Over the Past 10 Years
Min: 0.3  Med: 1.06 Max: 1.86
Current: 1.86
0.3
1.86
PS Ratio 4.55
SNV's PS Ratio is ranked lower than
72% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. SNV: 4.55 )
Ranked among companies with meaningful PS Ratio only.
SNV' s PS Ratio Range Over the Past 10 Years
Min: 0.41  Med: 2.46 Max: 6.09
Current: 4.55
0.41
6.09
Price-to-Free-Cash-Flow 17.63
SNV's Price-to-Free-Cash-Flow is ranked lower than
57% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. SNV: 17.63 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SNV' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.83  Med: 6.3 Max: 17.63
Current: 17.63
0.83
17.63
Price-to-Operating-Cash-Flow 16.31
SNV's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. SNV: 16.31 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SNV' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.78  Med: 5.24 Max: 16.31
Current: 16.31
0.78
16.31
EV-to-EBIT 16.89
SNV's EV-to-EBIT is ranked lower than
63% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. SNV: 16.89 )
Ranked among companies with meaningful EV-to-EBIT only.
SNV' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.4  Med: 11.8 Max: 95.7
Current: 16.89
-30.4
95.7
EV-to-EBITDA 15.15
SNV's EV-to-EBITDA is ranked lower than
62% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. SNV: 15.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
SNV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -151.8  Med: 8.4 Max: 31.4
Current: 15.15
-151.8
31.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.14
SNV's Dividend Yield % is ranked lower than
85% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SNV: 1.14 )
Ranked among companies with meaningful Dividend Yield % only.
SNV' s Dividend Yield % Range Over the Past 10 Years
Min: 1.08  Med: 1.69 Max: 17.69
Current: 1.14
1.08
17.69
Dividend Payout Ratio 0.27
SNV's Dividend Payout Ratio is ranked higher than
62% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SNV: 0.27 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SNV' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.26 Max: 0.79
Current: 0.27
0.05
0.79
3-Year Dividend Growth Rate 19.70
SNV's 3-Year Dividend Growth Rate is ranked higher than
75% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. SNV: 19.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SNV' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -63.5  Med: 5.8 Max: 22.4
Current: 19.7
-63.5
22.4
Forward Dividend Yield % 1.14
SNV's Forward Dividend Yield % is ranked lower than
88% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SNV: 1.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.03
SNV's 5-Year Yield-on-Cost % is ranked lower than
72% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. SNV: 2.03 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SNV' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.92  Med: 3.01 Max: 31.46
Current: 2.03
1.92
31.46
3-Year Average Share Buyback Ratio 4.20
SNV's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SNV: 4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SNV' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -33.5  Med: -2.7 Max: 4.2
Current: 4.2
-33.5
4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.91
SNV's Price-to-Tangible-Book is ranked lower than
75% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SNV: 1.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SNV' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.53  Med: 1.58 Max: 2.78
Current: 1.91
0.53
2.78
Price-to-Intrinsic-Value-Projected-FCF 0.79
SNV's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. SNV: 0.79 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SNV' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.52 Max: 3.88
Current: 0.79
0.1
3.88
Price-to-Median-PS-Value 1.85
SNV's Price-to-Median-PS-Value is ranked lower than
88% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SNV: 1.85 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SNV' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.2  Med: 0.87 Max: 1.85
Current: 1.85
0.2
1.85
Price-to-Graham-Number 1.38
SNV's Price-to-Graham-Number is ranked lower than
78% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SNV: 1.38 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SNV' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.31  Med: 0.96 Max: 1.38
Current: 1.38
0.31
1.38
Earnings Yield (Greenblatt) % 5.94
SNV's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. SNV: 5.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SNV' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1  Med: 6.9 Max: 14.3
Current: 5.94
1
14.3
Forward Rate of Return (Yacktman) % 20.87
SNV's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. SNV: 20.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SNV' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6.4  Med: 38.9 Max: 138.5
Current: 20.87
6.4
138.5

More Statistics

Revenue (TTM) (Mil) $1,172
EPS (TTM) $ 1.90
Beta1.11
Short Percentage of Float1.40%
52-Week Range $25.78 - 43.18
Shares Outstanding (Mil)122.27

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.26 2.60
EPS without NRI ($) 2.26 2.60
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.56 0.56
» More Articles for SNV

Headlines

Articles On GuruFocus.com
John Keeley's Portfolio Acquires Stock in Media General in Second Quarter Sep 07 2015 
John Keeley Discloses Top New Stock Buys of Q2 Sep 17 2014 
Louis Moore Bacon’s Prolific Selling in Review Nov 24 2013 
Weekly CEO Buys Highlight: NYLD, ALXA, DOC, NTWK, SNV Jul 29 2013 
Weekly Top Insider Buys: eBay Inc., Charles Schwab Corp., Safeway Inc., Nabors Industries Ltd. and S Jul 27 2013 
Philip Morris and Three Others Report This Week's Largest Insider Buys Jul 26 2013 
Deep Value Investor James Barrow Unloads Six May 28 2013 
Synovus Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Credit Recovery On Track At Synovus Financial Sep 10 2010 
Synovus Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 

More From Other Websites
SYNOVUS FINANCIAL CORP Files SEC form 10-K, Annual Report Feb 27 2017
Synovus (SNV) Up 3.4% Since Earnings Report: Can It Continue? Feb 17 2017
Synovus Wins 28 Greenwich Excellence Awards Feb 16 2017
SYNOVUS FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 10 2017
Is Synovus Financial (SNV) Stock a Solid Choice Right Now? Feb 09 2017
Coverage initiated on Synovus by JMP Securities Feb 02 2017
Synovus Financial Corp. : SNV-US: Dividend Analysis : December 15th, 2016 (record date) : By the... Jan 31 2017
Zacks: Synovus Exceeds Q4 Expectations (SNV) Jan 23 2017
Post Earnings Coverage as Synovus Financial's Q4 EPS Rose 22.2%; Hikes Dividend Jan 20 2017
SYNOVUS FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 19 2017
F. Dixon Brooke Jr. Appointed to Synovus Board of Directors Jan 19 2017
Synovus (SNV) Q4 Earnings Beat, High Expenses Hit Stock Jan 18 2017
Edited Transcript of SNV earnings conference call or presentation 17-Jan-17 1:30pm GMT Jan 17 2017
This Nashville bank is changing its name Jan 17 2017
SYNOVUS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation... Jan 17 2017
Q4 2016 Synovus Financial Corp Earnings Release - Before Market Open Jan 17 2017
Market Recon: This Is a Week of Danger, or One of Opportunity Jan 17 2017
Synovus beats Street 4Q forecasts Jan 17 2017
Synovus beats Street 4Q forecasts Jan 17 2017
Synovus Announces Earnings for the Fourth Quarter 2016 Jan 17 2017

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