📊 AI Stock Rating — Summary

As of Q3 2025, SNV reported revenues of approximately $615 million, with a net income of $197 million, resulting in an EPS of $1.33. Net margin stood at roughly 32%, marking a strong financial performance. Free cash flow figures were unavailable for the most recent quarter. Year-over-year comparison shows a decline in revenue from Q4 2024's $925 million to Q3 2025's $615 million, indicating a potential slowdown. However, net income exhibited a moderate improvement over the same period. On the balance sheet, SNV maintains a solid equity base of about $5.8 billion against total assets of $60.5 billion. The net debt position was approximately $831 million, showcasing a shift from previous net cash positions. For cash flow, significant debt repayments were observed, alongside consistent dividend payments totaling $0.39 per share for the quarter. Analyst price targets range from $51 to $62, suggesting viewing the stock optimistically compared to current valuations.

AI Score Breakdown

Revenue Growth — Score: 5/10

The revenue showed a declining trend year-over-year with Q3 2025 at $615 million down from $925 million in Q4 2024. This dip suggests potential pressures or market challenges affecting top-line growth.

Profitability — Score: 8/10

Net margin remained strong at around 32%. EPS demonstrated resilience despite revenue declines, indicating efficient cost management and profitability maintenance.

Cash Flow Quality — Score: 6/10

Though free cash flow was not reported for the latest quarter, the company showcased robust operations with a history of stable operating cash flows and dividends. Continued debt payments and stock repurchases demonstrate good cash deployment.

Leverage & Balance Sheet — Score: 7/10

Net debt increased to $831 million from previous net cash status, reflecting increased leverage. Nonetheless, equity remains robust, showcasing decent financial resilience and management.

Shareholder Returns — Score: 6/10

With a 1-year share price data missing, current evaluation relies on dividends and buybacks contributing to shareholder value. Consistent quarterly dividends and share repurchases bolster this metric, though lacking direct appreciation context.

Analyst Sentiment & Valuation — Score: 7/10

Analyst targets between $51 and $62 suggest room for price appreciation against the current stock price, coupled with solid profitability metrics, though further market or competitive context is needed for definitive valuation-based conclusions.

⚠ AI-generated — informational only, not financial advice.