Synovus Financial

SNV · NYSE

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SNV analyst rating

BuyConsensus of 3 analysts over the last 12 months. 67% rate it a buy.

Strong buy0
Buy2
Hold1
Underperform0
Sell0

12-month price target · 16 analysts

Average $59.16

Low: $49.49
High: $73.50

Upgrades and downgrades

The latest rating actions, newest first

SNV analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Barclays	Dec 19, 2025	Maintains	Overweight	$65.00 → $70.00	54%
JP Morgan	Dec 16, 2025	Maintains	Overweight	$58.00 → $65.00	50%
Barclays	Nov 11, 2025	Maintains	Overweight	$62.00 → $65.00	54%
UBS	Nov 5, 2025	Maintains	Neutral	$53.00 → $49.00	39%

The case for and against

Updated Jan 5, 2026

Bull case

Synovus Financial Corp. is experiencing positive financial momentum, evidenced by a sequential increase of 3.3% in net interest income, reaching $474.7 million, alongside an improved net interest margin of 3.41%, up 4 basis points. The bank's adjusted revenues are projected to grow approximately 6.5%, while average earning assets increased by 4% quarter-over-quarter, indicating robust asset growth. Additionally, the Common Equity Tier 1 (CET1) ratio strengthened to 11.24%, supporting a stable capital position amid favorable trends in net interest income and asset quality.

Bear case

The negative outlook on Synovus Financial's stock is primarily driven by disappointing loan growth, with a 2% loan increase falling short of the ~7% LQA required to meet fiscal year 2025 growth targets. Despite a reduction in non-performing assets (NPAs) and a slight decline in criticized loans, concerns about pro forma growth persist alongside the potential impact of interest rate fluctuations on earnings, particularly if rates decrease faster than anticipated. Additionally, challenges such as poor integration, regulatory delays, and broader economic factors may hinder the bank's performance and result in increased volatility in earnings and stock prices.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.