Synovus vs Valley

This page compares Synovus and Valley National Bancorp, examining their business models, financial performance, and market context. It provides a clear, neutral overview of strategies, earnings drivers, customer focus, competitive positioning, and risk considerations to help readers form an informed view. Educational content, not financial advice.

This page compares Synovus and Valley National Bancorp, examining their business models, financial performance, and market context. It provides a clear, neutral overview of strategies, earnings driver...

About The Companies

Synovus (SNV)

Synovus Financial Corp. (SNV) is a US-based regional bank offering commercial and consumer banking, wealth management and mortgage services across the southeastern United States. With a market capitalisation around $6.4 billion, Synovus focuses on relationship banking for small-to-medium enterprises and local consumers, earning revenue from net interest margin, fees and asset management. Investors commonly watch loan growth, deposit stability, credit quality and regulatory capital ratios as indicators of resilience. The bank has sought to diversify through wealth and mortgage channels and modest technology investments to improve customer experience and efficiency. As with any bank, earnings are sensitive to interest-rate moves and economic cycles; credit losses can rise in downturns while margin compression may occur in different rate environments. This summary is general information for educational purposes only and not personalised investment advice — investors should consider their own risk tolerance, do further research and consult a financial adviser where appropriate.

Valley (VLY)

Valley National Bancorp (VLY) is a US regional bank headquartered in New Jersey that provides commercial and retail banking, mortgage lending, wealth management and specialised finance services. With a market capitalisation around $5.7 billion, it sits among mid‑sized regional lenders whose earnings are shaped by net interest margin, loan growth and fee income. Investors should note the bank's exposure to local economic cycles, commercial real‑estate and consumer credit trends, and the competitive deposit landscape that can pressure funding costs. Regulatory oversight, capital adequacy and provisioning for loan losses are important monitoring points. Valley has historically offered a dividend, but future payouts depend on earnings, capital and regulator guidance. Potential attractions include franchise scale in its core markets and opportunities from industry consolidation; risks include credit deterioration in a downturn and sensitivity to interest‑rate moves. This summary is for educational purposes only and is not personalised investment advice; values can fall as well as rise.

Comparison Snapshot

Key Financial Metrics

SNV

Metric

VLY

$7.39B

Market Cap

$6.61B

7.50%

Potential Profit

10.31%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

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Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

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Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

Explore Basket

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Investment Analysis

Synovus

SNV

Pros

Synovus has a strong valuation profile with a low price-to-earnings ratio compared to sector peers, indicating potential for upside.
The company maintains a healthy balance sheet with a moderate debt-to-equity ratio and solid net profit margins.
Synovus offers a reliable dividend yield above the sector average, supported by consistent earnings and cash flow.

Considerations

Recent revenue and earnings have declined year-on-year, reflecting challenges in top-line growth.
The bank's return on assets is below the industry average, suggesting less efficient asset utilisation.
Geographic concentration in the southeastern US exposes Synovus to regional economic and regulatory risks.

Valley

VLY

Pros

Valley National Bancorp has a diversified regional footprint across the northeastern US, supporting stable deposit and loan growth.
The bank maintains a conservative capital position with a strong Tier 1 leverage ratio and robust liquidity.
Valley offers a competitive dividend yield, supported by a history of consistent payouts and shareholder returns.

Considerations

Valley's net interest margin has been under pressure due to persistent rate volatility and competitive lending conditions.
The company has faced regulatory scrutiny and operational challenges, including recent enforcement actions.
Valley's revenue growth has lagged sector peers, with limited expansion in non-interest income streams.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Community Banking Catalyst

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Community Banking Catalyst

Investment Analysis

Synovus

Pros

Considerations

Valley

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

About The Companies

Comparison Snapshot

Synovus vs Valley

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Community Banking Catalyst

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Community Banking Catalyst

Investment Analysis

Synovus

Pros

Considerations

Valley

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is the significance of price-to-earnings (P/E) in this stock comparison?

How do debt levels and profitability interact when evaluating banks?

What does return on assets (ROA) tell us about efficiency?

Why is regional concentration relevant for Synovus?

What role do dividend yields play in evaluating these banks?

How do interest rate dynamics affect bank earnings here?

What does regulatory scrutiny imply for these stocks?

How should one compare revenue growth and non-interest income?

What is a balanced way to interpret these two stocks without advice?

What is the value of looking at a single page comparison like this?

What should be the final takeaway from this comparison?

About The Companies

Comparison Snapshot