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Intrinsic value of Synovus Financial Corp. (SNV)

Previous Close$40.13
Intrinsic Value
Upside potential
Previous Close
$40.13
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh34.75 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides various financial products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company's commercial banking services include treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services comprise accepting customary types of demand and savings deposits accounts; mortgage, installment, and other consumer loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet-based banking services; and bank credit and debit card services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, asset management and financial planning services, and individual investment advice on equity and other securities, as well as trust services. As of December 31, 2019, it operated through 298 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. Synovus Financial Corp. was founded in 1888 and is headquartered in Columbus, Georgia.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-1.2NaN
Revenue, $1985NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m988NaN
Operating income, $m997NaN
EBITDA, $m1155NaN
Interest expense (income), $mNaN
Earnings before tax, $m956NaN
Tax expense, $m229NaN
Net income, $m727NaN

BALANCE SHEET

Cash and short-term investments, $m3010NaN
Total assets, $m57473NaN
Adjusted assets (=assets-cash), $m54463NaN
Average production assets, $m1325NaN
Working capital, $m-7047NaN
Total debt, $m1468NaN
Total liabilities, $m52176NaN
Total equity, $m5297NaN
Debt-to-equity ratio0.277NaN
Adjusted equity ratio0.054NaN

CASH FLOW

Net income, $m727NaN
Depreciation, amort., depletion, $m158NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m743NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-26NaN
Free cash flow, $m769NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-7047
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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