Synovus Financial Corp
NYSE: SNV · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2025-12-31
Synovus Financial Corp (SNV) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for SNV.
Valued
Valuation reasonably reflects current fundamentals. Limited margin of safety at these levels.
SNV historical valuation range
Where current P/E sits in SNV's own 5Y range.
SNV intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
SNV valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 9.37x
P/S Ratio — History
Current: 3.03x
Is SNV overvalued in 2026?
Synovus Financial Corp (SNV) currently trades at $50.05 per share with a market capitalization of $6,947,806,000.00. Based on our multi-factor framework, the stock trades at a fair valuation with a Smart Value Score of 69/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 9.4x, below its 5-year median of 9.8x. The PEG ratio of 2.34 indicates the price has run ahead of the underlying growth rate.
Looking at its own history, SNV is currently trading cheaper than 58% of the last 5Y on P/E. This places it in the 42th percentile of its historical range, a reasonable but unremarkable position.
A standard DCF model does not produce reliable output for SNV under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
Financial quality is a concern. The Piotroski F-Score of 3/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
Bottom line: SNV trades at a fair valuation on our framework, with a Smart Value Score of 69/100. The valuation is defensible but offers no obvious bargain. Patience or a better entry price may reward disciplined buyers.
Frequently asked questions
Is SNV overvalued?
SNV scores 69/100 on our Smart Value Score (Grade B), a mixed overall profile. A standard DCF is unreliable here given the profitability profile, so valuation leans on revenue-based measures like EV/Sales and the P/S percentile below.
What is SNV's fair value?
A standard DCF is unreliable for SNV given its current profitability profile. Revenue-based approaches like EV/Sales or the historical P/S percentile are more informative for this stock.
What P/E ratio does SNV trade at?
SNV trades at a P/E of 9.4x on trailing twelve-month earnings, against a 5-year median of 9.8x. P/E is what you pay per dollar of profit, and sitting below its own median means the stock is cheaper than usual relative to its earnings.
Is SNV a buy based on valuation?
Our Smart Value rating for SNV is Buy, from a Smart Value Score of 69/100 that blends growth, quality, and valuation. The profile is balanced and best suited to investors who already have a thesis. This is research to inform your decision, not personalized financial advice.
How does SNV's valuation compare to its history?
On P/E, SNV sits in the 42nd percentile of its own 5Y range, below its long-run median relative to where it has traded. A low percentile means today's multiple is near the bottom of its historical band.
What is SNV's Smart Value Score?
SNV's Smart Value Score is 69/100. It is a proprietary WallStSmart metric blending growth quality, financial health, and valuation into a single 0-100 read, and scores above 75 are rare, signaling strong multi-factor alignment.