| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 608,496 | 411,991 |
| Provision for (reversal of) credit losses | 35,855 | 14,166 |
| Depreciation, amortization, and accretion, net | 41,795 | 25,073 |
| Deferred income tax expense (benefit) | 8,100 | 9,295 |
| Originations of loans held for sale | 5,760,855 | 3,556,082 |
| Proceeds from sales and payments on loans held for sale | 5,712,111 | 3,498,677 |
| Gain on sales of loans held for sale, net | 9,236 | 5,801 |
| (increase) decrease in other assets | -138,363 | -227,544 |
| Increase (decrease) in other liabilities | -354,615 | -404,984 |
| Investment securities (gains) losses, net | 1,742 | 0 |
| Share-based compensation expense | 23,649 | 15,607 |
| Net gain on sales of other real estate and other assets held for sale | 1,066 | 355 |
| Net cash provided by (used in) operating activities | 440,855 | 235,131 |
| Proceeds from maturities and principal collections of investment securities held to maturity | 180,373 | 110,510 |
| Proceeds from maturities and principal collections of investment securities available for sale | 424,674 | 270,815 |
| Proceeds from sales of investment securities available for sale | 173,996 | 0 |
| Purchases of investment securities available for sale | 366,836 | 324,304 |
| Net proceeds from sales of loans | 14,379 | 9,285 |
| Net (increase) decrease in loans | 1,227,629 | 969,652 |
| Net (purchases) redemptions of federal home loan bank stock | 76,271 | 102,396 |
| Net (purchases) redemptions of federal reserve bank stock | 315 | 85 |
| Net proceeds from settlement (purchases) of bank-owned life insurance policies | 11,766 | 7,533 |
| Net increase in premises, equipment and software | 21,760 | 14,690 |
| Proceeds from sales of other real estate and other assets held for sale | 4,374 | 2,534 |
| Net cash provided by (used in) investing activities | -883,249 | -1,010,450 |
| Net increase (decrease) in deposits | -1,104,275 | -1,181,941 |
| Net increase (decrease) in federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings | -69,261 | -46,401 |
| Repayments and redemption of long-term debt | 900,000 | 0 |
| Proceeds from long-term debt, net | 2,150,000 | 2,150,000 |
| Dividends paid to common shareholders | 162,517 | 108,393 |
| Dividends paid to preferred shareholders | 34,122 | 22,718 |
| Repurchases of common stock | 142,269 | 142,286 |
| Issuances, net of taxes paid, under equity compensation plans | -14,942 | -14,613 |
| Net cash provided by (used in) financing activities | -277,386 | 633,648 |
| Increase (decrease) in cash and cash equivalents including restricted cash | -719,780 | -141,671 |
| Cash and cash equivalents at beginning of period | 2,993,987 | - |
| Cash and cash equivalents at end of period | 2,274,207 | - |
SYNOVUS FINANCIAL CORP (SNV)
SYNOVUS FINANCIAL CORP (SNV)