Earnings summaries and quarterly performance for SYNOVUS FINANCIAL.
Executive leadership at SYNOVUS FINANCIAL.
Kevin Blair
Detailed
Chairman, Chief Executive Officer, and President
CEO
AK
Allan Kamensky
Detailed
Executive Vice President and General Counsel
DZ
D. Zachary Bishop
Detailed
Executive Vice President, Technology, Operations, and Security
EW
Elizabeth Wolverton
Detailed
Executive Vice President and Head of Consumer Banking and Brand Experience
JG
Jamie Gregory
Detailed
Executive Vice President and Chief Financial Officer
JH
Jill Hurley
Detailed
Chief Accounting Officer and Corporate Controller
KW
Katherine Weislogel
Detailed
Executive Vice President and Head of Treasury and Payment Solutions
KH
Kevin Howard
Detailed
Executive Vice President and Chief Wholesale Banking Officer
SG
Sharon Goodwine
Detailed
Executive Vice President and Chief Human Resources Officer
SC
Shellie Creson
Detailed
Executive Vice President and Chief Risk Officer
TD
Thomas Dierdorff
Detailed
Executive Vice President and Head of Corporate and Investment Banking
WA
Wayne Akins
Detailed
Executive Vice President and Chief Community Banking and Wealth Services Officer
Board of directors at SYNOVUS FINANCIAL.
AV
Alexandra Villoch
Detailed
Director
BS
Barry Storey
Detailed
Director
DM
Diana Murphy
Detailed
Director
GM
Gregory Montana
Detailed
Director
HP
Harris Pastides
Detailed
Director
JI
John Irby
Detailed
Director
JS
John Stallworth
Detailed
Director
PC
Pedro Cherry
Detailed
Director
SA
Stacy Apter
Detailed
Director
TW
Teresa White
Detailed
Director
TB
Tim Bentsen
Detailed
Lead Independent Director
Research analysts who have asked questions during SYNOVUS FINANCIAL earnings calls.
Anthony Elian
JPMorgan
5 questions for SNV
Also covers: BANC, CMA, COLB +11 more
Catherine Mealor
Keefe, Bruyette & Woods
5 questions for SNV
Also covers: ABCB, AUB, CADE +21 more
GT
Gary Tenner
D.A. Davidson & Co.
5 questions for SNV
Also covers: ABCB, AVBH, AX +20 more
Bernard Von Gizycki
Deutsche Bank
4 questions for SNV
Also covers: CMA, EWBC, FCNCA +8 more
Christopher Marinac
Janney Montgomery Scott LLC
4 questions for SNV
Also covers: ABCB, BFST, BKU +25 more
Jon Arfstrom
RBC Capital Markets
4 questions for SNV
Also covers: ALLY, ASB, BFH +24 more
MR
Michael Rose
Raymond James Financial, Inc.
3 questions for SNV
Also covers: AMTB, BFST, BKU +25 more
NH
Nicholas Holowko
UBS Group AG
3 questions for SNV
Also covers: CMA, FCNCA, FHN +5 more
CH
Casey Haire
Jefferies
2 questions for SNV
Also covers: ASB, CADE, CFR +12 more
Ebrahim Poonawala
Bank of America Securities
2 questions for SNV
Also covers: , BK, BMO +31 more
Jared David Shaw
Barclays Capital
2 questions for SNV
Also covers: BANC, BKU, BOH +13 more
Jared Shaw
Barclays
2 questions for SNV
Also covers: ASB, BANC, BKU +23 more
MG
Manan Gosalia
Morgan Stanley
2 questions for SNV
Also covers: CADE, CBC, CFG +17 more
SS
Stephen Scouten
Piper Sandler & Co.
2 questions for SNV
Also covers: ABCB, AMTB, AUB +24 more
Timur Braziler
Wells Fargo
2 questions for SNV
Also covers: ASB, BANC, BKU +16 more
BK
Brandon King
Truist Securities
1 question for SNV
Also covers: ABCB, BANC, COLB +2 more
JM
John McDonald
Truist Securities
1 question for SNV
Also covers: ABCB, BAC, C +8 more
JR
Jon Rau
Barclays
1 question for SNV
Also covers: VLY
Samuel Varga
UBS
1 question for SNV
Also covers: BPOP, COLB, EWBC +9 more
Recent press releases and 8-K filings for SNV.
Synovus Reports Q4 2025 Results
SNV
Earnings
M&A
- Synovus reported diluted EPS of $1.22 for Q4 2025.
- The company's Net Interest Margin (NIM) expanded to 3.45% in Q4 2025.
- Capital levels strengthened, with the Common Equity Tier 1 (CET1) Ratio reaching an all-time high of 11.28% in Q4 2025.
- Synovus experienced strong 4Q25 loan growth and core deposit growth, with total loans increasing by 2% and total deposits by 3% quarter-over-quarter.
- Credit quality metrics for Q4 2025 included a Net Charge-Off Ratio of 0.22% and an NPA ratio of 0.62%, with the majority of the non-performing loan increase attributed to a $38.6 million C&I credit.
Jan 22, 2026, 1:30 PM
Pinnacle Financial Partners and Synovus Report Strong Q4 2025 Results and Provide 2026 Outlook
SNV
Earnings
Guidance Update
M&A
- Both Pinnacle Financial Partners and Synovus demonstrated strong financial performance in Q4 2025, with Pinnacle reporting adjusted EPS of $2.24 (up 18% year-over-year) and Synovus reporting adjusted diluted EPS of $1.45 (up 16% year-over-year). Both companies also experienced healthy loan and core deposit growth, and expanding net interest margins.
- For 2026, the combined company anticipates period-end loans to grow 9%-11% to $91-$93 billion and total deposits to grow 8%-10% to $106.5-$108.5 billion. The adjusted revenue outlook is $5-$5.2 billion, with a net interest margin estimated in the 345-355 basis point range.
- The company expects a Common Equity Tier One (CET1) ratio of approximately 10% by the end of Q1 2026, which includes $225-$250 million in Q1 merger-related expenses. The recognition of annualized merger-related expense savings for 2026 has been adjusted to 40%, or $100 million, due to timing shifts.
- The board authorized a $400 million common share repurchase program and set the quarterly common equity dividend at $0.50 per share, effective from Q1 2026.
Jan 22, 2026, 1:30 PM
Pinnacle Financial Partners Reports Q4 2025 Results and Provides 2026 Outlook
SNV
Earnings
Guidance Update
M&A
- Pinnacle Financial Partners and Synovus completed their merger on January 1st.
- For Q4 2025, Legacy Pinnacle reported adjusted EPS of $2.24, an 18% year-over-year increase, while Legacy Synovus reported adjusted diluted EPS of $1.45, a 16% year-over-year increase.
- The combined company's 2026 guidance includes expected period-end loans of $91 billion-$93 billion (up 9%-11% from year-end 2025 combined) and total deposits of $106.5 billion-$108.5 billion (up 8%-10%).
- The 2026 outlook also projects adjusted revenue between $5 billion-$5.2 billion, a net interest margin in the 345-355 basis point range, and adjusted non-interest expense of approximately $2.7 billion-$2.8 billion.
- The company plans to hire 250 total revenue producers in 2026 and anticipates realizing 40% or $100 million of annualized merger-related expense savings during the year.
Jan 22, 2026, 1:30 PM
SNV Reports Q4 2025 Results and Outlines 2026 Outlook
SNV
Guidance Update
Earnings
Share Buyback
- SNV projects 2026 period-end loans to grow 9%-11% to $91-$93 billion and total deposits to increase 8%-10% to $106.5-$108.5 billion. The adjusted revenue outlook is $5-$5.2 billion, with a net interest margin estimated between 345-355 basis points, and adjusted non-interest expense expected to be $2.7-$2.8 billion.
- The company anticipates realizing 40% or $100 million of annualized merger-related expense savings in 2026, a timing adjustment from the previously anticipated 50%. Non-recurring merger-related expenses are projected to be $450-$500 million in 2026.
- A quarterly common equity dividend of $0.50 per share will begin in Q1 2026, and a $400 million common share repurchase program has been authorized. However, share repurchases are unlikely in Q1 and Q2 2026 as the company prioritizes capital accretion towards a common equity tier one ratio target of 10.25%-10.75%. SNV also plans to hire 250 total revenue producers in 2026.
Jan 22, 2026, 1:30 PM
Pinnacle Financial Partners Completes Merger with Synovus Financial Corp.
SNV
M&A
Delisting/Listing Issues
- Synovus Financial Corp. completed its merger with Pinnacle Financial Partners, Inc. and Steel Newco Inc. on January 1, 2026, with the combined entity now operating as Pinnacle Financial Partners, Inc..
- The newly combined bank holding company had estimated pro forma combined $117.2 billion in assets, $95.7 billion in deposits, and $80.4 billion in loans as of September 30, 2025.
- Each share of Synovus common stock was converted into the right to receive 0.5237 shares of new Pinnacle common stock, and Synovus common stock was delisted from the NYSE; new Pinnacle shares began trading under the ticker PNFP on January 2, 2026.
- The combined holding company's headquarters is in Atlanta, Georgia, and the combined bank's headquarters is in Nashville, Tennessee.
Jan 2, 2026, 11:39 AM
Synovus Bank Issues $500 Million Subordinated Notes
SNV
Debt Issuance
- On December 9, 2025, Synovus Bank, a wholly-owned subsidiary of Synovus Financial Corp., issued $500 million aggregate principal amount of its 5.957% Fixed-to-Fixed Rate Subordinated Bank Notes due 2036.
- The notes will bear an initial fixed interest rate of 5.957% per annum from December 9, 2025, to January 15, 2031, and then reset to the Five-year U.S. Treasury Rate plus 2.300% per annum until the maturity date of January 15, 2036.
- The issuance generated net proceeds of approximately $496 million, which Synovus Bank plans to use for general corporate purposes.
- These notes are subordinated and junior in right of payment to all existing and future Senior Debt of Synovus Bank and are not an obligation of or guaranteed by Synovus Financial Corp..
Dec 9, 2025, 9:30 PM
Synovus and Pinnacle Discuss Merger Progress, Growth Targets, and Capital Strategy
SNV
M&A
Guidance Update
Revenue Acceleration/Inflection
- The transformational merger between Pinnacle and Synovus has received regulatory approval and is on target to close early next year, with Kevin Blair becoming CEO and Terry Turner serving as Chairman of the combined company.
- The combined entity targets 9%-11% loan and deposit growth for 2026, an acceleration driven by adopting Pinnacle's hiring model and leveraging specialized products.
- The company anticipates $100-$130 million in revenue synergies over the next 2-3 years, stemming from increased banker hiring, expanded product offerings, and normalized performance across both organizations.
- The combined company expects to have close to 10% CET1 at closing, with a long-term target of 10.5%, prioritizing capital deployment for growth over share repurchases.
- Pinnacle's 49% stake in BHG could be subject to a liquidity event, with BHG representing approximately 6% of the combined company's revenues; any capital generated would be used to replace this earnings stream.
Dec 9, 2025, 4:20 PM
Synovus and Pinnacle Announce Combined Company Board of Directors
SNV
M&A
Board Change
- Synovus Financial Corp. and Pinnacle Financial Partners announced the anticipated board of directors for their combined company, which will be named Pinnacle Financial Partners.
- The combined board will consist of fifteen directors, with eight from Pinnacle and seven from Synovus, including six independent directors from each company.
- M. Terry Turner (Pinnacle's current President and CEO) is expected to serve as non-executive chair, and Tim E. Bentsen (Synovus director) as lead director.
- The merger, which received shareholder and regulatory approvals in November, is expected to close on January 1, 2026.
Dec 1, 2025, 9:30 PM
Pinnacle and Synovus Announce Merger Agreement
SNV
M&A
- Pinnacle Financial Partners, Inc. and Synovus Financial Corp. entered into a merger agreement on July 24, 2025, to combine into a new entity named Pinnacle Financial Partners, Inc.
- Under the merger terms, Synovus common stockholders will receive 0.5237 shares of Newco common stock for each Synovus share.
- The merger is accounted for as a business combination with Pinnacle as the accounting acquirer, and the presented pro forma financial information is preliminary.
- As of September 30, 2025, the unaudited pro forma combined entity would have $117.24 billion in total assets and $95.71 billion in total deposits. For the nine months ended September 30, 2025, the unaudited pro forma combined net income attributable to shareholders is $1.15 billion, with diluted EPS of $7.35.
Dec 1, 2025, 2:11 PM
Synovus and Pinnacle Receive Regulatory Approval for Merger
SNV
M&A
Guidance Update
CEO Change
- Pinnacle Financial Partners and Synovus Financial Corp. have received federal bank regulatory approval to combine.
- Shareholders of both companies approved the merger on November 6, 2025, and the transaction is anticipated to close on January 1, 2026.
- The combined firm is projected to have $116 billion in assets.
- Kevin Blair, Synovus CEO, will become president and CEO of the combined company, while Terry Turner, Pinnacle President and CEO, will serve as chairman of the board.
- Full system and brand conversions for the combined entity are expected to take place in the first half of 2027.
Nov 26, 2025, 9:15 PM
Quarterly earnings call transcripts for SYNOVUS FINANCIAL.
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