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Dec 31, 2021

Synovus Q4 2021 Earnings Report

Reported diluted earnings per share of $1.31 and adjusted diluted earnings per share of $1.35, driven by broad-based loan growth.

Key Takeaways

Synovus Financial Corp. reported a strong fourth quarter in 2021, with diluted earnings per share of $1.31 and adjusted diluted earnings per share of $1.35. The company experienced broad-based loan growth and continued growth in fee income businesses.

Net income available to common shareholders was $192.1 million, or $1.31 per diluted share.

Adjusted earnings per diluted share were $1.35, up 12% quarter over quarter and 25% year over year.

Period-end loan growth was $1.4 billion, or 4% quarter over quarter, excluding the reduction in PPP loans.

Period-end deposit growth was $1.7 billion, or 4% from the third quarter.

Total Revenue
$509M
Previous year: $501M
+1.7%
EPS
$1.35
Previous year: $1.08
+25.0%
Net Charge-Off Ratio
0.11%
Gross Profit
$1.68B
Previous year: $1.71B
-1.6%
Cash and Equivalents
$57.3B
Previous year: $4.25B
+1247.7%
Free Cash Flow
-$55.3M
Previous year: $218M
-125.4%
Total Assets
$57.3B
Previous year: $54.4B
+5.4%

Synovus

Synovus

Forward Guidance

Synovus is well-positioned to deliver outsized growth in 2022 and beyond, driven by strong momentum, strategic investments in talent and technology.

Positive Outlook

  • Record levels of loan production
  • Continued growth in fee income businesses
  • Disciplined expense management
  • Strategic investments in talent
  • Strategic investments in technology