Synovus Financial (SNV)
Market Price (12/29/2025): $52.72 | Market Cap: $7.3 BilSector: Financials | Industry: Regional Banks
Synovus Financial (SNV)
Market Price (12/29/2025): $52.72Market Cap: $7.3 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.7%, FCF Yield is 9.1% | Weak multi-year price returns3Y Excs Rtn is -17% | Key risksSNV key risks include threats to growth and earnings from [1] intense competition and technological disruption, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -93% | ||
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28% | ||
| Low stock price volatilityVol 12M is 38% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 3.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.7%, FCF Yield is 9.1% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -93% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28% |
| Low stock price volatilityVol 12M is 38% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns3Y Excs Rtn is -17% |
| Key risksSNV key risks include threats to growth and earnings from [1] intense competition and technological disruption, Show more. |
Why The Stock Moved
Qualitative Assessment
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Here are the key points highlighting the movement of Synovus Financial (SNV) stock between August 31, 2025, and December 29, 2025:
1. Strong Third Quarter 2025 Earnings Performance.
Synovus reported robust results for the third quarter of 2025 on October 15, 2025, with adjusted earnings per share (EPS) of $1.46, exceeding the consensus forecast of $1.35. Revenue also surpassed expectations, reaching $615.39 million compared to a forecasted $604.73 million.
2. Mixed Market Reaction to Earnings.
Despite the positive third-quarter earnings, Synovus's stock experienced a decline of 3.88% on October 16, 2025, closing at $46.96. This suggests that broader market sentiment or other investor concerns may have influenced the stock's immediate reaction, overshadowing the strong financial results.
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1. Strong Third Quarter 2025 Earnings Performance.
Synovus reported robust results for the third quarter of 2025 on October 15, 2025, with adjusted earnings per share (EPS) of $1.46, exceeding the consensus forecast of $1.35. Revenue also surpassed expectations, reaching $615.39 million compared to a forecasted $604.73 million.
2. Mixed Market Reaction to Earnings.
Despite the positive third-quarter earnings, Synovus's stock experienced a decline of 3.88% on October 16, 2025, closing at $46.96. This suggests that broader market sentiment or other investor concerns may have influenced the stock's immediate reaction, overshadowing the strong financial results.
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Stock Movement Drivers
Fundamental Drivers
The 6.3% change in SNV stock from 9/28/2025 to 12/28/2025 was primarily driven by a 4.2% change in the company's P/E Multiple.| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 49.61 | 52.72 | 6.27% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 2298.95 | 2355.41 | 2.46% |
| Net Income Margin (%) | 34.13% | 33.97% | -0.48% |
| P/E Multiple | 8.78 | 9.15 | 4.15% |
| Shares Outstanding (Mil) | 138.89 | 138.80 | 0.06% |
| Cumulative Contribution | 6.27% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| SNV | 6.3% | |
| Market (SPY) | 4.3% | 45.1% |
| Sector (XLF) | 3.3% | 75.5% |
Fundamental Drivers
The 3.5% change in SNV stock from 6/29/2025 to 12/28/2025 was primarily driven by a 23.6% change in the company's Net Income Margin (%).| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 50.93 | 52.72 | 3.52% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 2011.40 | 2355.41 | 17.10% |
| Net Income Margin (%) | 27.49% | 33.97% | 23.57% |
| P/E Multiple | 12.96 | 9.15 | -29.42% |
| Shares Outstanding (Mil) | 140.68 | 138.80 | 1.34% |
| Cumulative Contribution | 3.50% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| SNV | 3.5% | |
| Market (SPY) | 12.6% | 28.5% |
| Sector (XLF) | 7.4% | 49.1% |
Fundamental Drivers
The 6.3% change in SNV stock from 12/28/2024 to 12/28/2025 was primarily driven by a 77.0% change in the company's Net Income Margin (%).| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 49.60 | 52.72 | 6.28% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1888.58 | 2355.41 | 24.72% |
| Net Income Margin (%) | 19.19% | 33.97% | 77.04% |
| P/E Multiple | 19.59 | 9.15 | -53.33% |
| Shares Outstanding (Mil) | 143.14 | 138.80 | 3.03% |
| Cumulative Contribution | 6.19% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| SNV | 6.3% | |
| Market (SPY) | 17.0% | 66.4% |
| Sector (XLF) | 15.3% | 71.1% |
Fundamental Drivers
The 58.0% change in SNV stock from 12/29/2022 to 12/28/2025 was primarily driven by a 41.8% change in the company's P/E Multiple.| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 33.37 | 52.72 | 57.98% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 2111.84 | 2355.41 | 11.53% |
| Net Income Margin (%) | 35.63% | 33.97% | -4.67% |
| P/E Multiple | 6.45 | 9.15 | 41.85% |
| Shares Outstanding (Mil) | 145.39 | 138.80 | 4.53% |
| Cumulative Contribution | 57.65% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| SNV | 49.9% | |
| Market (SPY) | 48.4% | 58.8% |
| Sector (XLF) | 51.8% | 71.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| SNV Return | -12% | 52% | -19% | 5% | 41% | 7% | 71% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| SNV Win Rate | 50% | 75% | 50% | 42% | 67% | 50% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| SNV Max Drawdown | -67% | -1% | -27% | -31% | -9% | -25% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL. See SNV Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | SNV | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -52.7% | -25.4% |
| % Gain to Breakeven | 111.5% | 34.1% |
| Time to Breakeven | 540 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -68.1% | -33.9% |
| % Gain to Breakeven | 214.0% | 51.3% |
| Time to Breakeven | 323 days | 148 days |
| 2018 Correction | ||
| % Loss | -47.0% | -19.8% |
| % Gain to Breakeven | 88.7% | 24.7% |
| Time to Breakeven | 2,144 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -89.8% | -56.8% |
| % Gain to Breakeven | 877.6% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Synovus Financial's stock fell -52.7% during the 2022 Inflation Shock from a high on 2/16/2022. A -52.7% loss requires a 111.5% gain to breakeven.
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Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking 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, and financial planning services, as well as provides individual investment advice on equity and other securities. As of December 31, 2020, it operated through 289 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. The company was founded in 1888 and is headquartered in Columbus, Georgia.
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Here are 1-3 brief analogies for Synovus Financial (SNV):
- Like a smaller-scale Truist Financial (TFC) for the Southeastern U.S.
- The U.S. Bancorp (USB) for the Southeastern U.S.
- Similar to Regions Financial (RF), serving a broad range of clients across the Southeast.
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- Consumer Banking Services: Provides deposit accounts, credit cards, and various personal loan products for individual customers.
- Commercial Banking Services: Offers business loans, lines of credit, treasury management, and other financial solutions for businesses of all sizes.
- Mortgage Lending: Originates and services residential mortgage loans to assist individuals with home purchases and refinances.
- Wealth Management Services: Delivers financial planning, investment management, and trust services for individuals and institutional clients.
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Synovus Financial (SNV) is a regional financial services company. As such, it sells primarily to individuals and businesses, rather than having a few "major customers" in the traditional sense of a supplier to other companies. Its customer base is diversified across various segments. Here are the primary categories of customers that Synovus Financial serves:Synovus Financial primarily serves the following categories of customers:
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Individuals and Families: This category includes customers seeking personal banking services (checking, savings, credit cards), mortgages, consumer loans, and a range of wealth management and investment advisory services.
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Small to Mid-Sized Businesses (SMBs) and Corporations: Synovus provides commercial banking services to businesses of varying sizes, including commercial loans, lines of credit, treasury management, payroll services, and other business banking solutions.
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Commercial Real Estate (CRE) Investors and Developers: The bank has a significant focus on commercial real estate, offering financing for acquisition, development, and construction projects across various property types to investors and developers.
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- FIS (FIS)
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Kevin Blair, Chairman, CEO and President
Kevin Blair joined Synovus in August 2016 as Executive Vice President and Chief Financial Officer. He was appointed Senior Executive Vice President and Chief Operating Officer in December 2018, named President in December 2019, elected to the Board of Directors in December 2020, and became President and CEO in April 2021. In January 2023, he was appointed Chairman. His financial services career began at Signet Bank in 1995. Before joining Synovus, Blair held various leadership roles at SunTrust, including corporate treasurer, head of commercial specialization, and chairman, president, and CEO of the Georgia/North Florida region.
Jamie Gregory, Executive Vice President and Chief Financial Officer
Jamie Gregory was appointed Executive Vice President and Chief Financial Officer of Synovus in June 2019. Prior to joining Synovus, he served as Executive Vice President and Head of Corporate Financial Strategy for Regions Financial Corporation, which he joined in 2009. Before his time at Regions, Gregory spent ten years at Wachovia, holding various corporate investment and portfolio management positions.
Shellie R. Creson, Executive Vice President and Chief Risk Officer
Ms. Shellie R. Creson has been the Executive Vice President and Chief Risk Officer of Synovus since July 2022. Before joining Synovus, she served as Executive Vice President and Chief Audit Executive at Fifth Third Bank from August 2017 to July 2022. Earlier, she held positions at Regions Financial Corporation as Executive Vice President, Deputy Chief Audit Executive from May 2013 to August 2017, and Senior Vice President of Strategic and Corporate Planning from August 2011 to May 2014.
Kevin J. Howard, Executive Vice President and Chief Wholesale Banking Officer
Mr. Kevin J. Howard has been the Executive Vice President and Chief Wholesale Banking Officer of Synovus since December 2018. Previously, he served as Executive Vice President and Chief Credit Officer at Synovus. His earlier roles at Synovus Bank included Senior Vice President, Credit Manager, and Senior Vice President of Commercial Real Estate.
Meredith Forrester, Executive Vice President and Chief Audit Executive
Ms. Meredith Forrester has been the Executive Vice President and Chief Audit Executive of Synovus since September 2021. Prior to Synovus, she held roles at SunTrust as Deputy General Auditor, Senior Managing Director of Internal Audit, and Managing Director of Internal Audit. She also previously served at BB&T.
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Synovus Financial (SNV) faces several key risks inherent to the banking and financial services industry. The most significant risks include: 1. Interest Rate Fluctuations: Synovus is exposed to market risks from interest rate fluctuations, which can directly affect its net interest income and the value of its financial assets. Both rising and falling interest rates present challenges, impacting the bank's profitability and financial outlook. 2. Regulatory Environment and Compliance: As a financial holding company, Synovus is subject to extensive federal and state regulations, including capital adequacy standards and consumer protection laws. Changes in the regulatory landscape can increase compliance costs, limit operational flexibility, and impact strategic decisions. Additionally, new technologies like artificial intelligence introduce further regulatory uncertainties. 3. Intense Competition and Technological Disruption: Synovus operates in a highly competitive financial services industry. The company must continually adapt to technological advancements and evolving client expectations, which necessitate substantial investments. The rise of fintech companies and aggressive competition from numerous players vying for market share could impact Synovus' future earnings and growth.AI Analysis | Feedback
Commercial Real Estate (CRE) Exposure: Synovus, like many regional banks, has significant exposure to commercial real estate loans. The ongoing shift to hybrid and remote work models has led to increased vacancies and declining property values, particularly in the office sector. This emerging trend poses a threat of higher loan defaults, increased provisions for credit losses, and potential capital erosion as these loans mature and require refinancing in a challenging market, impacting the bank's asset quality and profitability.
Intensified Deposit Competition and Net Interest Margin (NIM) Compression: The sustained higher interest rate environment has empowered depositors to seek higher yields, leading to increased competition for deposits from larger national banks, money market funds, and alternative investment options. This trend forces regional banks like Synovus to offer more competitive rates to retain and attract deposits, thereby increasing their funding costs and putting significant downward pressure on their Net Interest Margin, which is a key driver of profitability. The ease of transferring funds digitally via fintech platforms exacerbates this competition, making it an ongoing and structurally challenging threat.
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Synovus Financial, a company operating in Georgia, Alabama, Florida, South Carolina, and Tennessee, offers a range of financial products and services, including commercial banking, consumer banking (retail banking), wealth services, treasury management, and mortgage services. Here are the addressable market sizes for their main products or services:- Commercial Banking: The addressable market size for commercial banking in the United States is projected to be USD 732.5 billion in 2025 and is forecasted to reach USD 915.45 billion by 2030.
- Retail Banking: The addressable market size for retail banking in the United States is valued at USD 0.87 trillion in 2025 and is forecasted to reach USD 1.08 trillion by 2030.
- Wealth Management: null
- Mortgage Services: The addressable market size for the home loan market in the United States stood at USD 2.29 trillion in 2025 and is forecasted to grow to USD 3.02 trillion by 2030.
- Treasury Management: null
- Premium Finance: null
- Asset-Based Lending: null
- Structured Lending: null
- Capital Markets: null
- International Banking: null
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Synovus Financial (SNV) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Strategic Expansion in Sun Belt Markets and Digital Banking Upgrades: Synovus is focused on expanding its presence in the high-growth Sun Belt region, which analysts project will lead to above-average loan growth. This geographic expansion includes its branch operations across five Southeastern states: Georgia, Alabama, Florida, South Carolina, and Tennessee. Coupled with this, digital banking upgrades are also expected to contribute to increased loan activity.
- Growth in Non-Interest Revenue from Specialized Products and Services: The company offers a comprehensive suite of specialized products and services, including wealth services, treasury management, mortgage services, premium finance, asset-based lending, structured lending, capital markets, and international banking. These fee-generating activities, particularly wealth revenue and capital markets income, have demonstrated healthy growth and are anticipated to continue contributing significantly to overall revenue.
- Net Interest Margin (NIM) Expansion: Synovus has seen and expects continued net interest margin expansion, driven by factors such as higher loan yields, hedge maturities, and the repricing of fixed-rate assets. This expansion directly enhances the bank's net interest income, a primary component of its revenue.
- Core Commercial Lending and Deposit Growth: Fundamental to banking revenue, Synovus aims for broad-based deposit growth across its business segments, supported by seasonal public funds. The company has also noted strong growth in its core commercial lending activities, alongside a strategic focus on growing its core client base.
- Acquisition and Integration of Pinnacle Financial Partners: The anticipated merger with Pinnacle Financial Partners, expected to close in the first quarter of 2026, is a significant strategic move. This acquisition is projected to maintain momentum and substantially impact the company's scale and revenue generation through increased market presence and synergies.
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Share Repurchases
- In 2024, Synovus repurchased 6.4 million shares of common stock for approximately $271 million as part of a $300 million share repurchase authorization.
- The company repurchased $21 million of shares in the second quarter of 2025 at an average price of $49.41.
- Synovus views share repurchases as a strategic lever for capital management and expects to generate significant capital, allowing for flexibility in future repurchases.
Share Issuance
- In 2024, Synovus issued $500 million of 6.168% Fixed Rate/Floating Rate Senior Notes maturing in 2030 to bolster its capital position.
- Synovus's shares outstanding have generally declined in recent years, with a 1.18% decrease in 2024 and a 3.03% year-over-year decline for the quarter ending September 30, 2025, indicating net share repurchases over issuances of common stock.
Inbound Investments
- On July 25, 2025, Pinnacle Financial Partners announced its intention to acquire Synovus Financial in an all-stock transaction valued at $8.6 billion.
- Shareholders of both Synovus and Pinnacle Financial Partners overwhelmingly approved the proposed merger on November 6, 2025.
- The merger is expected to create a regional banking entity with over $116 billion in assets.
Outbound Investments
- In April 2022, Synovus acquired a 60% stake in Qualpay, a San Mateo-based merchant account and payment solutions provider.
- In 2024, Synovus strategically repositioned its investment securities portfolio by selling $1.62 billion of mortgage-backed securities and purchasing $1.48 billion in new U.S. Treasury and commercial mortgage-backed securities to reduce volatility and optimize yield.
Capital Expenditures
- Synovus Financial's cash flow for capital expenditures for the trailing twelve months ended September 2025 was -$33.53 million.
- For the three months ended September 2025, the cash flow for capital expenditures was -$7 million.
- The company focuses on strategic investments in high-growth segments, new deposit verticals, and technology upgrades to support loan and core deposit growth, as well as business transformation and innovation.
Latest Trefis Analyses
| Title | |
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| ARTICLES |
Trade Ideas
Select ideas related to SNV. For more, see Trefis Trade Ideas.
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| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.5% | 14.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
| 12312024 | SNV | Synovus Financial | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | 6.7% | 6.2% | -24.7% |
Research & Analysis
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Peer Comparisons for Synovus Financial
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 65.44 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.4% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 9.4% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
Price Behavior
| Market Price | $52.72 | |
| Market Cap ($ Bil) | 7.3 | |
| First Trading Date | 01/12/1990 | |
| Distance from 52W High | -10.2% | |
| 50 Days | 200 Days | |
| DMA Price | $47.71 | $47.60 |
| DMA Trend | indeterminate | indeterminate |
| Distance from DMA | 10.5% | 10.7% |
| 3M | 1YR | |
| Volatility | 29.2% | 38.7% |
| Downside Capture | 72.44 | 119.69 |
| Upside Capture | 86.91 | 107.21 |
| Correlation (SPY) | 44.8% | 66.4% |
SNV Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.83 | 1.12 | 1.05 | 1.06 | 1.34 | 1.46 |
| Up Beta | -0.09 | 0.90 | 1.20 | 1.32 | 1.24 | 1.45 |
| Down Beta | 1.22 | 1.82 | 1.74 | 1.64 | 1.66 | 1.54 |
| Up Capture | 173% | 73% | 38% | 56% | 106% | 260% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 14 | 22 | 29 | 65 | 126 | 375 |
| Down Capture | 62% | 103% | 95% | 88% | 119% | 108% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 6 | 20 | 34 | 61 | 123 | 373 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of SNV With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| SNV | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 8.1% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 38.3% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.29 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 71.0% | 66.4% | -3.2% | 28.1% | 54.6% | 25.1% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of SNV With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| SNV | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 14.1% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 38.3% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.45 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 76.7% | 59.7% | 0.5% | 18.6% | 50.7% | 24.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 10-Year Data
| Comparison of SNV With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| SNV | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 8.5% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 41.6% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.34 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 80.7% | 63.3% | -7.6% | 25.6% | 55.5% | 16.4% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/15/2025 | -6.0% | -2.8% | -1.8% |
| 7/16/2025 | 1.9% | 9.6% | -5.9% |
| 4/16/2025 | 1.9% | 6.9% | 22.1% |
| 1/15/2025 | -3.1% | -1.4% | -1.4% |
| 10/16/2024 | 5.1% | 1.3% | 15.1% |
| 7/17/2024 | -1.0% | 0.8% | -5.7% |
| 4/17/2024 | -7.4% | 0.5% | 8.3% |
| 1/17/2024 | 4.6% | 10.1% | 4.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 15 | 17 |
| # Negative | 13 | 10 | 8 |
| Median Positive | 3.3% | 6.5% | 8.3% |
| Median Negative | -3.8% | -5.3% | -6.7% |
| Max Positive | 13.6% | 24.9% | 29.6% |
| Max Negative | -9.6% | -11.3% | -17.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/04/2025 | 10-Q (09/30/2025) |
| 06/30/2025 | 08/05/2025 | 10-Q (06/30/2025) |
| 03/31/2025 | 05/02/2025 | 10-Q (03/31/2025) |
| 12/31/2024 | 02/21/2025 | 10-K (12/31/2024) |
| 09/30/2024 | 11/04/2024 | 10-Q (09/30/2024) |
| 06/30/2024 | 08/02/2024 | 10-Q (06/30/2024) |
| 03/31/2024 | 05/02/2024 | 10-Q (03/31/2024) |
| 12/31/2023 | 02/23/2024 | 10-K (12/31/2023) |
| 09/30/2023 | 11/03/2023 | 10-Q (09/30/2023) |
| 06/30/2023 | 08/04/2023 | 10-Q (06/30/2023) |
| 03/31/2023 | 05/04/2023 | 10-Q (03/31/2023) |
| 12/31/2022 | 02/24/2023 | 10-K (12/31/2022) |
| 09/30/2022 | 11/02/2022 | 10-Q (09/30/2022) |
| 06/30/2022 | 08/02/2022 | 10-Q (06/30/2022) |
| 03/31/2022 | 05/03/2022 | 10-Q (03/31/2022) |
| 12/31/2021 | 02/25/2022 | 10-K (12/31/2021) |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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