Synovus Financial Corp.

NYSE:SNV Stock Report

Market Cap: US$6.5b

Synovus Financial Valuation

Is SNV undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SNV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

US$120.26
Fair Value
63.3% undervalued intrinsic discount
14
Number of Analysts

Below Fair Value: SNV ($44.13) is trading below our estimate of fair value ($120.26)

Significantly Below Fair Value: SNV is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SNV?

Key metric: As SNV is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SNV. This is calculated by dividing SNV's market cap by their current earnings.
What is SNV's PE Ratio?
PE Ratio8.1x
EarningsUS$757.25m
Market CapUS$6.52b

Price to Earnings Ratio vs Peers

How does SNV's PE Ratio compare to its peers?

The above table shows the PE ratio for SNV vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.8x
GBCI Glacier Bancorp
26.6x32.99%US$6.2b
VLY Valley National Bancorp
12.8x22.10%US$5.9b
PB Prosperity Bancshares
11.2x12.09%US$6.2b
CADE Cadence Bank
12.7x15.67%US$7.3b
SNV Synovus Financial
8.1x2.08%US$6.5b

Price-To-Earnings vs Peers: SNV is good value based on its Price-To-Earnings Ratio (8.1x) compared to the peer average (15.8x).

Price to Earnings Ratio vs Industry

How does SNV's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
OCNB Oconomowoc Bancshares
0.6xn/aUS$9.93m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
SNV 8.1xIndustry Avg. 11.2xNo. of Companies121PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SNV is good value based on its Price-To-Earnings Ratio (8.1x) compared to the US Banks industry average (11.6x).

Price to Earnings Ratio vs Fair Ratio

What is SNV'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.

SNV PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.1x
Fair PE Ratio12.6x

Price-To-Earnings vs Fair Ratio: SNV is good value based on its Price-To-Earnings Ratio (8.1x) compared to the estimated Fair Price-To-Earnings Ratio (12.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst SNV forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$44.13
US$57.43
+30.13%
8.40%US$65.00US$50.00n/a14
Oct ’26US$48.67
US$58.21
+19.61%
7.77%US$65.00US$50.00n/a14
Sep ’26US$51.61
US$58.69
+13.72%
9.17%US$65.00US$50.00n/a13
Aug ’26US$46.55
US$60.93
+30.89%
6.75%US$65.00US$53.00n/a14
Jul ’26US$53.79
US$55.83
+3.80%
8.30%US$64.00US$46.00n/a18
Jun ’26US$47.83
US$54.72
+14.41%
9.05%US$64.00US$46.00n/a18
May ’26US$44.10
US$54.31
+23.16%
9.58%US$64.00US$46.00n/a16
Apr ’26US$45.76
US$60.53
+32.28%
7.39%US$68.00US$52.00n/a17
Mar ’26US$51.88
US$63.29
+22.00%
3.71%US$68.00US$59.00n/a17
Feb ’26US$56.42
US$63.12
+11.87%
4.24%US$68.00US$57.00n/a17
Jan ’26US$51.23
US$61.69
+20.41%
6.75%US$68.00US$54.00n/a16
Dec ’25US$57.07
US$57.88
+1.41%
7.58%US$67.00US$51.00n/a16
Nov ’25US$49.39
US$55.41
+12.19%
5.03%US$60.00US$51.00n/a17
Oct ’25US$42.49
US$50.27
+18.30%
5.40%US$55.00US$46.00US$48.6716
Sep ’25US$46.12
US$50.45
+9.40%
5.49%US$55.00US$46.00US$51.6116
Aug ’25US$44.41
US$49.83
+12.20%
7.19%US$55.00US$41.00US$46.5516
Jul ’25US$40.50
US$42.88
+5.86%
7.55%US$49.00US$38.00US$53.7916
Jun ’25US$39.69
US$42.13
+6.14%
7.31%US$48.00US$38.00US$47.8316
May ’25US$36.40
US$40.94
+12.47%
6.49%US$48.00US$37.00US$44.1016
Apr ’25US$39.23
US$43.26
+10.28%
6.22%US$46.00US$37.00US$45.7617
Mar ’25US$37.94
US$42.97
+13.25%
6.46%US$46.00US$37.00US$51.8816
Feb ’25US$36.00
US$42.47
+17.97%
9.83%US$46.00US$29.00US$56.4216
Jan ’25US$37.65
US$37.53
-0.32%
14.34%US$46.00US$27.50US$51.2316
Dec ’24US$32.91
US$32.90
-0.03%
8.23%US$38.00US$27.50US$57.0715
Nov ’24US$26.20
US$32.77
+25.06%
8.39%US$38.00US$27.50US$49.3915
Oct ’24US$27.80
US$36.87
+32.61%
12.08%US$45.00US$29.00US$42.4915
US$57.43
Fair Value
23.2% undervalued intrinsic discount
14
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/16 12:36
End of Day Share Price 2025/10/16 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Synovus Financial Corp. is covered by 35 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David GeorgeBaird
Jared David ShawBarclays
Jason GoldbergBarclays