Synovus Financial beats Q3 expectations on margin expansion, fee growth

Published 15/10/2025, 21:46
 Synovus Financial beats Q3 expectations on margin expansion, fee growth

COLUMBUS, Ga. - Synovus Financial Corp. (NYSE:SNV) reported third-quarter earnings that exceeded analyst expectations, driven by net interest margin expansion and strong non-interest revenue growth. Shares rose 1% following the announcement.

The bank reported adjusted earnings of $1.46 per share, beating analyst estimates of $1.35. Revenue reached $615.39 million, surpassing the consensus estimate of $604.73 million. Compared to the same quarter last year, revenue increased 8% while adjusted earnings per share grew 19% YoY.

Net interest income grew 3% from the previous quarter and 8% YoY to approximately $475 million, with net interest margin expanding 4 basis points to 3.41%. Non-interest revenue rose 5% sequentially and 13% YoY to $140.7 million, driven primarily by wealth management and capital markets income.

"Synovus delivered solid third-quarter results, driven by continued net interest margin expansion, strong non-interest revenue growth and favorable credit trends," said Synovus Chairman, CEO and President Kevin Blair. "We delivered continued strength in loan production, sustained momentum in fee generation and grew our team member base this quarter — all clear indicators of our focus, discipline and resilience."

Average loans increased 1% from the prior quarter, while period-end core deposits decreased by $230.4 million sequentially, primarily due to a decline in public funds. Credit quality remained strong with the non-performing asset ratio improving to 0.53% from 0.59% in the previous quarter.

The bank’s Common Equity Tier 1 ratio stood at 11.24% at quarter-end. Synovus continues to expect its pending merger with Pinnacle Financial Partners to close in the first quarter of 2026, with integration planning progressing as scheduled.

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