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Synovus Financial
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.Q4 2025 earnings summary22 Jan, 2026
Executive summary
The merger between Pinnacle and Synovus was completed on January 1, 2026, creating a leading regional bank with rapid integration and a unified operating model.
Both banks focused on above-peer revenue, EPS, and tangible book value growth, supported by a strong client service culture and high employee engagement.
Legacy Pinnacle grew adjusted diluted EPS by 22% and Synovus by 28% in 2025; Synovus Q4 2025 adjusted EPS was $1.45, up 16% year-over-year.
Both firms achieved top Net Promoter Scores in their respective footprints.
Q4 2025 saw strong loan growth, mainly from corporate, investment banking, specialty lending, and middle market credits, with core deposit growth driven by public funds and seasonal middle market accounts.
Financial highlights
Pinnacle Q4 2025 adjusted EPS: $2.24, up 18% year-over-year; net interest income up 12% year-over-year.
Synovus Q4 2025 adjusted EPS: $1.45, up 16% year-over-year; net interest income rose to $484.6 million, up 7% year-over-year; net interest margin at 3.45%.
Pinnacle period-end loans and core deposits both grew 10% year-over-year; Synovus period-end loans up 5% year-over-year; core deposits up 2% quarter-over-quarter.
Both banks reported healthy credit metrics and capital levels, with CET1 ratios at 10.88% (Pinnacle) and 11.28% (Synovus).
Non-interest revenue for Q4 2025 increased 16% year-over-year; adjusted non-interest expense up 5%.
Outlook and guidance
2026 period-end loan growth expected at 9%-11% (to $91B-$93B); deposit growth at 8%-10% (to $106.5B-$108.5B).
Adjusted revenue outlook: $5B-$5.2B; net interest margin expected in the 3.45%-3.55% range.
Adjusted non-interest revenue projected at $1.1B; adjusted non-interest expense at $2.7B-$2.8B.
40% ($100M) of annualized merger-related expense savings to be realized in 2026.
Economic scenario assumptions for 2026 and 2027 include weighted average GDP growth of 1.7% and unemployment at 4.8%.
Integration progress and 2026 synergy targets
BOLI redeployment yield expectations?
Deposit cost improvement strategy for 2026?
Capital deployment strategy post-merger close
How will Synovus adopt Pinnacle's hiring model
NIM drivers and sensitivities for 2026 outlook
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Next Synovus Financial earnings date
Q1 202616 Apr, 2026
Synovus Financial
Next Synovus Financial earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
Synovus Financial Corp. operates as the financial services company for Synovus Bank, which provides commercial and retail banking, investment, and mortgage services through 257 branches in Georgia, Alabama, South Carolina, Florida, and Tennessee. The company offers various commercial loan products, including lines of credit; commercial real estate loans; revolving credits; term loans; capital call facilities; letters of credit; equity lines and loans; and other business financing solutions. It also provides consumer loan products that comprise residential real estate mortgages consisting of first-mortgage purchase loans and first and second mortgage refinance loans; home equity lines of credit, unsecured personal lines of credit and home improvement loans, boat and automobile loans, mobile home loans.
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