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Synovus Financial (SNV) investor relations material
Synovus Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
The merger between Pinnacle and Synovus was completed on January 1, 2026, creating a leading regional bank with rapid integration and strong cultural alignment.
Both legacy firms delivered above-peer revenue, EPS, and tangible book value growth in 2025, with Q4 2025 adjusted EPS at $1.45, up 16% year-over-year.
Strong loan growth in Q4 2025 was driven by corporate, investment banking, specialty lending, and middle market credits.
Core deposit growth was supported by public funds and seasonal middle market accounts.
Focus remains on exceptional client service, industry-leading loyalty, and being an employer of choice.
Financial highlights
Q4 2025 adjusted EPS: $1.45 (up 16% YoY); net interest income rose to $484.6 million, up 2% QoQ and 7% YoY; net interest margin expanded to 3.45%.
Non-interest revenue for Q4 2025 increased 16% YoY; adjusted non-interest revenue up 16%.
Total assets at year-end were $61.4 billion; total loans $44.6 billion, up 5% YoY; total deposits $51.3 billion.
CET1 ratio at year-end was 11.28%, an all-time high.
Credit metrics healthy: net charge-off ratio for Q4 2025 was 0.22%; allowance for credit losses ratio ended the year at 1.19%.
Outlook and guidance
2026 period-end loan growth expected at 9%-11% ($91B-$93B); deposit growth 8%-10% ($106.5B-$108.5B).
Adjusted revenue outlook: $5B-$5.2B; adjusted non-interest revenue ~$1.1B; adjusted non-interest expense $2.7B-$2.8B.
Net interest margin guidance: 3.45%-3.55%.
Net charge-offs expected at 20-25bps for 2026.
Management expects continued growth and successful integration, with systems and brand conversions planned for March 2027.
- Clear leadership, strong hiring, and cultural alignment drive a growth-focused merger integration.SNV
Barclays 23rd Annual Global Financial Services Conference - Transformational merger targets 9%-11% growth, unified culture, and industry-leading efficiency.SNV
Goldman Sachs U.S. Financial Services Conference - Transformation and Southeast expansion drive 3%-6% growth and strong 2025 outlook.SNV
Goldman Sachs 2024 U.S. Financial Services Conference - Aggressive growth and efficiency strategies drive outperformance and resilience in Southeast markets.SNV
BancAnalysts Association of Boston Conference 2024 - EPS and capital ratios surged, with improved credit quality and strong core deposit growth.SNV
Q3 2024 - Transformation, commercial growth, expense control, and strong credit quality drive outlook.SNV
Barclays 23rd Annual Global Financial Services Conference - Adjusted EPS $1.16, margin expands, credit quality improves, capital remains strong despite securities loss.SNV
Q2 2024 - Loan growth, efficiency, and diversified fee income drive a bullish outlook for 2025.SNV
Bank of America Securities Financial Services Conference - Q4 2024 EPS hit $1.25, net income soared, and capital ratios reached decade highs.SNV
Q4 2024
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