SYU1 Stock Overview
Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services.
No risks detected for SYU1 from our risk checks.
Synovus Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$34.00|
|52 Week High||US$47.00|
|52 Week Low||US$32.80|
|1 Month Change||-15.00%|
|3 Month Change||-21.66%|
|1 Year Change||-9.09%|
|3 Year Change||11.99%|
|5 Year Change||-12.27%|
|Change since IPO||-76.50%|
Recent News & Updates
|SYU1||DE Banks||DE Market|
Return vs Industry: SYU1 exceeded the German Banks industry which returned -13.5% over the past year.
Return vs Market: SYU1 exceeded the German Market which returned -23.9% over the past year.
|SYU1 Average Weekly Movement||4.7%|
|Banks Industry Average Movement||4.6%|
|Market Average Movement||5.6%|
|10% most volatile stocks in DE Market||9.9%|
|10% least volatile stocks in DE Market||2.8%|
Stable Share Price: SYU1 is not significantly more volatile than the rest of German stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: SYU1's weekly volatility (5%) has been stable over the past year.
About the Company
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.
Synovus Financial Fundamentals Summary
|SYU1 fundamental statistics|
Is SYU1 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SYU1 income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Jul 21, 2022
|Earnings per share (EPS)||4.89|
|Net Profit Margin||34.33%|
How did SYU1 perform over the long term?See historical performance and comparison
3.7%Current Dividend Yield
Is SYU1 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SYU1?
Other financial metrics that can be useful for relative valuation.
|What is SYU1's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SYU1's PE Ratio compare to its peers?
|SYU1 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
ARL Aareal Bank
PBB Deutsche Pfandbriefbank
SYU1 Synovus Financial
Price-To-Earnings vs Peers: SYU1 is good value based on its Price-To-Earnings Ratio (7.5x) compared to the peer average (21.7x).
Price to Earnings Ratio vs Industry
How does SYU1's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: SYU1 is good value based on its Price-To-Earnings Ratio (7.5x) compared to the European Banks industry average (8.7x)
Price to Earnings Ratio vs Fair Ratio
What is SYU1's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||7.5x|
|Fair PE Ratio||10.4x|
Price-To-Earnings vs Fair Ratio: SYU1 is good value based on its Price-To-Earnings Ratio (7.5x) compared to the estimated Fair Price-To-Earnings Ratio (10.4x).
Share Price vs Fair Value
What is the Fair Price of SYU1 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SYU1 (€34) is trading below our estimate of fair value (€142.28)
Significantly Below Fair Value: SYU1 is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: SYU1 is poor value based on its PEG Ratio (1x)
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How is Synovus Financial forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SYU1's forecast earnings growth (7.5% per year) is above the savings rate (-0.01%).
Earnings vs Market: SYU1's earnings (7.5% per year) are forecast to grow slower than the German market (8.4% per year).
High Growth Earnings: SYU1's earnings are forecast to grow, but not significantly.
Revenue vs Market: SYU1's revenue (7.2% per year) is forecast to grow faster than the German market (4.7% per year).
High Growth Revenue: SYU1's revenue (7.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SYU1's Return on Equity is forecast to be low in 3 years time (15.4%).
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How has Synovus Financial performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SYU1 has high quality earnings.
Growing Profit Margin: SYU1's current net profit margins (34.3%) are higher than last year (26.4%).
Past Earnings Growth Analysis
Earnings Trend: SYU1's earnings have grown by 18.1% per year over the past 5 years.
Accelerating Growth: SYU1's earnings growth over the past year (45.4%) exceeds its 5-year average (18.1% per year).
Earnings vs Industry: SYU1 earnings growth over the past year (45.4%) exceeded the Banks industry 33.6%.
Return on Equity
High ROE: SYU1's Return on Equity (15.4%) is considered low.
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How is Synovus Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SYU1's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: SYU1 has a sufficient allowance for bad loans (314%).
Low Risk Liabilities: 94% of SYU1's liabilities are made up of primarily low risk sources of funding.
Loan Level: SYU1 has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: SYU1's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: SYU1 has an appropriate level of bad loans (0.3%).
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What is Synovus Financial current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SYU1's dividend (3.69%) is higher than the bottom 25% of dividend payers in the German market (1.5%).
High Dividend: SYU1's dividend (3.69%) is low compared to the top 25% of dividend payers in the German market (4.56%).
Stability and Growth of Payments
Stable Dividend: SYU1's dividends per share have been stable in the past 10 years.
Growing Dividend: SYU1's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (27.3%), SYU1's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SYU1's dividends in 3 years are forecast to be well covered by earnings (27.2% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Kevin Blair (51 yo)
Mr. Kevin S. Blair serves as President and Chief Executive Officer at Synovus Financial Corp. since December 12, 2019 and April 22, 2021, respectively. He joined Synovus Bank in August 2016 as Executive Vi...
CEO Compensation Analysis
Compensation vs Market: Kevin's total compensation ($USD5.64M) is above average for companies of similar size in the German market ($USD3.45M).
Compensation vs Earnings: Kevin's compensation has increased by more than 20% in the past year.
Experienced Management: SYU1's management team is considered experienced (2.8 years average tenure).
Experienced Board: SYU1's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: SYU1 insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Synovus Financial Corp.'s employee growth, exchange listings and data sources
- Name: Synovus Financial Corp.
- Ticker: SYU1
- Exchange: DB
- Founded: 1888
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$5.360b
- Listing Market Cap: US$5.153b
- Shares outstanding: 145.34m
- Website: https://www.synovus.com
Number of Employees
- Synovus Financial Corp.
- 1111 Bay Avenue
- Suite 500
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/07/01 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.