Loading...
•
Dec 31, 2025
Synovus Q4 2025 Earnings Report
Synovus reported solid fourth-quarter earnings driven by core deposit growth and strong asset yields.
Key Takeaways
Synovus posted Q4 2025 net income of $171.1 million with revenue of $629.7 million. Adjusted EPS grew to $1.45 despite a $14.2 million impact from the surrender of BOLI policies. Net interest margin expanded, credit quality remained stable, and deposits rose sequentially.
Revenue by Segment
Forward Guidance
Synovus expects continued growth and integration with Pinnacle in 2026, driven by core banking performance and operational alignment.
Positive Outlook
- Strong core deposit growth to support funding base.
- Healthy net interest margin expansion from asset repricing.
- Non-interest revenue growth across capital markets and wealth management.
- Stable credit quality with low net charge-offs and strong reserves.
- Improved capital ratios heading into merger with Pinnacle.
Challenges Ahead
- EPS reduced by $0.10 due to surrender of $220M in BOLI policies.
- Slight decline in return on assets and equity compared to prior year.
- Efficiency ratio worsened slightly year over year.
- Provision for credit losses increased sequentially.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...