)

Synovus Financial (SNV) investor relations material
Synovus Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Reported strong Q3 2025 results with GAAP EPS of $1.33 and adjusted EPS of $1.46, up 19% year-over-year, and record non-interest revenue levels.
Net interest margin expanded to 3.41%, with net interest income up 3% sequentially and 8% year-over-year.
Loan production and fee income generation remained robust, with 43 new team members added in the quarter.
Credit quality improved, with net charge-offs at 0.14% of average loans and nonperforming assets at 0.48% of total loans.
Merger with Pinnacle Financial Partners progressing well, with leadership team finalized and integration efforts on track for Q1 2026 close.
Financial highlights
Adjusted revenue increased 9% year-over-year and 4% sequentially; adjusted noninterest expense rose 6% year-over-year and 3% sequentially.
Net interest income (GAAP) was $474.7M, up 3% QoQ and 8% YoY; adjusted net interest income (TE) was $476.4M.
Non-interest revenue reached $140.7M, up 5% QoQ and 13% YoY; adjusted non-interest revenue was $136.4M.
Net charge-offs were $15M (14 bps), lowest in almost three years; nonperforming assets improved to 0.53% of total loans.
CET1 ratio reached a record 11.24%; total risk-based capital at 14.07%.
Outlook and guidance
2025 guidance: ~4.5% loan growth, ~0.5% core deposit growth, ~6.5% adjusted revenue growth, ~2.5% adjusted non-interest expense growth.
Net charge-offs expected between 15-20 bps in Q4; CET1 ratio projected at 11.35% at year-end 2025.
Pro forma CET1 ratio at merger close expected to be ~10.1%.
Share repurchases deprioritized ahead of merger.
2026 pro forma company guidance to be issued after merger completion.
Next Synovus Financial earnings date

Next Synovus Financial earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage