财务数据和关键指标变化 - 第三季度GAAP每股收益为1.18美元,调整后每股收益为1.23美元,环比增长6% [5] - 净利息收入环比增长1%,净利差扩大2个基点至3.22% [7] - 贷款产出环比增长8%,期末贷款增加2700万美元 [7] - 核心存款环比增长1%,非计息存款环比下降9400万美元 [7] - 非利息收入环比下降4%,同比增长15% [7] - 非利息支出环比基本持平,同比下降1% [8] - 净充销账率下降至25个基点,拨备率维持在1.24% [8] - 普通股权一级资本充足率提升至10.65%,创9年新高 [8] 各条业务线数据和关键指标变化 - 中型企业、公司及投资银行和专业商业贷款增长604百万美元,抵消了机构商业房地产和养老房贷款的212百万美元下降 [9] - 公司正在战略性减少非关系贷款,第三季度下降7800万美元,全年下降4.27亿美元 [9] - 公司预计第四季度贷款将保持稳定,2025年将恢复增长势头 [9] 各个市场数据和关键指标变化 - 公司正在积极管理存款成本,第三季度存款成本上升4个基点至2.72% [10] - 公司预计第四季度存款成本将按40%-45%的贝塔系数下降 [10] - 公司预计第四季度存款将实现全面增长,得益于季节性公共资金的支持 [10] 公司战略和发展方向及行业竞争 - 公司正在加强人才引进,提升非利息收入,贷款产出和管线正在恢复到较高水平 [6] - 公司正在加强核心存款的获取,并持续优化资产负债表,为2025年的增长做好准备 [6] - 公司认为东南部地区是一个很好的业务发展区域,但目前专注于内生增长,而不是通过并购来实现 [71][72] 管理层对经营环境和未来前景的评论 - 管理层对第四季度和2025年的前景持乐观态度,认为可以实现可持续增长和更高的盈利水平 [87] - 管理层认为,随着选举结果尘埃落定,经济环境改善,以及公司内部各项举措的推进,公司未来将有更好的发展 [57][58] 其他重要信息 - 公司在第三季度遭受了两次飓风的影响,但公司团队展现出了很强的抗灾能力和决心 [5] - 公司在第三季度获得了多项行业荣誉,包括美国银行家杂志的声誉排名第6,以及Datos Insights的现金管理和支付创新奖 [87] 问答环节重要的提问和回答 问题1 **Brandon King 提问** 询问公司对未来利差走势的预期 [18][20] **Jamie Gregory 回答** 公司预计在经历降息周期后,利差将开始扩大,主要得益于固定利率资产的重新定价 [19][21] 问题2 **Timur Braziler 提问** 询问公司第三季度资本市场收入表现强于预期的原因 [31][32] **Jamie Gregory 和 Kevin Blair 回答** 公司资本市场业务表现良好,第三季度收入为10.3百万美元,主要来自衍生工具、承销和债券资本市场等业务 [32][34] 问题3 **Ebrahim Poonawala 提问** 询问公司存款定价策略及存款增长前景 [40][41] **Jamie Gregory 回答** 公司正积极管理存款成本,预计第四季度存款成本下降将体现40%-45%的贝塔系数,同时也在努力拓展核心存款业务,预计2025年存款增长前景良好 [40][41]

Synovus Financial (SNV) reported $564.72 million in revenue for the quarter ended September 2024, representing a year-over-year increase of 2.6%. EPS of $1.23 for the same period compares to $0.84 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $557.26 million, representing a surprise of +1.34%. The company delivered an EPS surprise of +12.84%, with the consensus EPS estimate being $1.09.While investors scrutinize revenue and earnings changes year-over-year and how they compare w ...

Synovus Financial (SNV) came out with quarterly earnings of $1.23 per share, beating the Zacks Consensus Estimate of $1.09 per share. This compares to earnings of $0.84 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 12.84%. A quarter ago, it was expected that this holding company for Synovus Bank would post earnings of $0.96 per share when it actually produced earnings of $1.16, delivering a surprise of 20.83%.Over the last f ...

财务业绩 - 2024年前三季度利息收入同比增长6%，达到23.95亿美元[1] - 2024年前三季度利息支出同比增长25%，达到10.99亿美元[1] - 2024年前三季度信贷损失准备计提同比下降28%，为1.04亿美元[1] - 2024年前三季度非利息收入同比下降68%，为1.14亿美元[1] - 2024年前三季度非利息支出同比下降5%，为9.38亿美元[1] - 2024年第三季度净利润同比增长87%，达到1.81亿美元[2] - 2024年前三季度净利润同比下降39%，为2.92亿美元[1] - 2024年第三季度每股收益同比增长98%，为1.19美元[2] - 2024年前三季度每股收益同比下降41%，为1.80美元[1] - 2024年第三季度资产收益率和股东权益收益率同比分别提高60个基点和提高6.2个百分点[2] 资产负债情况 - 公司总资产为595.90亿美元[3] - 公司总负债为542.11亿美元[3] - 公司股东权益为53.78亿美元[3] - 公司贷款净额为426.36亿美元[3] - 公司存款总额为501.94亿美元[3] - 公司非息收存款为115.62亿美元[3] - 公司利息收益性存款为386.32亿美元[3] - 公司长期债务为20.21亿美元[3] - 公司其他负债为19.03亿美元[3] - 公司其他资产为27.71亿美元[3] - 第三季度2024年总资产为591.84亿美元，较上一季度略有下降[4] - 第三季度2024年贷款净额为424.26亿美元，较上一季度下降1.04%[4] 利息收支情况 - 第三季度2024年利息收入为8.12亿美元，较上一季度增加1.15%[4] - 第三季度2024年利息支出为3.70亿美元，较上一季度增加0.96%[4] - 第三季度2024年净利息收入(税前等价)为4.42亿美元，较上一季度增加1.32%[4] - 第三季度2024年净利息收益率(税前等价)为3.22%，较上一季度上升2个基点[4] - 商业贷款、消费贷款和投资证券的平均余额和收益率情况[5] - 存款和借款的平均余额和利率情况[5] - 净利息收入和净利息收益率有所下降[5] 资产质量 - 第三季度非不良贷款(NPLs)为3.13亿美元，较上一季度增加12%[8] - 第三季度其他不良资产(NPAs)为3.86亿美元，较上一季度增加12%[8] - 第三季度贷款损失准备金(ALL)为4.85亿美元，较上一季度增加2%[8] - 第三季度信贷损失准备金(ACL)为5.35亿美元，较上一季度下降10%[8] - 第三季度净核销贷款为2705.2万美元，较上一季度下降21.6%[8] - 第三季度非不良贷款占贷款比率为0.73%，较上一季度上升0.14个百分点[8] - 第三季度信贷损失准备金占非不良贷款比率为170.8%，较上一季度下降39.33个百分点[8] 资本充足情况 - 第三季度普通股账面价值为33.94美元，较上一季度增加8.6%[10] - 第三季度普通股有形账面价值为30.29美元，较上一季度增加9.5%[10] - 第三季度普通股权一级资本充足率为10.65%，较上一季度上升0.43个百分点[10]

Analysts on Wall Street project that Synovus Financial (SNV) will announce quarterly earnings of $1.08 per share in its forthcoming report, representing an increase of 28.6% year over year. Revenues are projected to reach $556.61 million, increasing 1.2% from the same quarter last year.The consensus EPS estimate for the quarter has been revised 4.2% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during ...

Wall Street expects a year-over-year increase in earnings on higher revenues when Synovus Financial (SNV) reports results for the quarter ended September 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on October 16, 2024, might help the stock move higher if these key numbers are better ...

Shares of Synovus Financial Corp. (SNV) slid 2.1% after it announced that the third-quarter 2024 net interest income (NII) is likely to be impacted by the muted loan growth environment and the impact of expected Federal Reserve rate cuts.Other banks like Regions Financial Corporation’s (RF) third-quarter 2024 NII is expected to be flat to up 2% from $1.2 billion in the second quarter. PNC Financial (PNC) anticipates its NII to rise 1-2% in third-quarter 2024 from $3.3 billion reported in the second quarter ...

J. Michael Jones After my recent article recommending Wells Fargo Preferred Series L (WFC.PR.L), I received several suggestions about other preferred issues. Most of them were interesting, and I especially liked reader Deehena's mention of Synovus Financial Corp. Fixed-Rate Reset Non-Cumulative Preferred E (NYSE:SNV.PR.E). Synovus Financial, based in Columbus, Ga., is the holding company for Synovus Bank. It is the nation's 38th largest commercial bank with $59 billion in assets and 246 branches. The E ...

Synovus Financial (SNV) could be a solid choice for investors given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.Since a ch ...

A month has gone by since the last earnings report for Synovus Financial (SNV) . Shares have lost about 4.7% in that time frame, underperforming the S&P 500.Will the recent negative trend continue leading up to its next earnings release, or is Synovus due for a breakout? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at its most recent earnings report in order to get a better handle on the important drivers. Synovus Q2 Earnings Beat Estimates, Revenues Fall Y ...