SNV · As filed with the SEC

Synovus Financial cash flow statement, by quarter

The statement as Synovus Financial presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

CONSOLIDATED STATEMENTS OF CASH FLOWS · USD thousands

USD thousands	Q3 2025^† 3 months ended Sep 30, 2025	Q2 2025^† 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025	Q4 2024^† 3 months ended Dec 31, 2024	Q3 2024^† 3 months ended Sep 30, 2024	Q2 2024^† 3 months ended Jun 30, 2024	Q1 2024 3 months ended Mar 31, 2024	Q4 2023^† 3 months ended Dec 31, 2023
Operating Activities
Net income	196,505^†	217,119^†	194,872	189,377^†	180,684^†	(14,680)^†	124,070	69,573^†
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for (reversal of) credit losses	21,689^†	3,245^†	10,921	32,867^†	23,434^†	26,404^†	53,980	45,472^†
Depreciation, amortization, and accretion, net	16,722^†	13,530^†	11,543	12,860^†	13,338^†	16,356^†	17,854	29,904^†
Deferred income tax expense (benefit)	(1,195)^†	2,508^†	6,787	4,355^†	6,058^†	6,512^†	2,446	(5,990)^†
Originations of loans held for sale	(2,204,773)^†	(2,011,454)^†	(1,544,628)	(1,639,433)^†	(1,911,294)^†	(2,160,318)^†	(468,414)	(132,264)^†
Proceeds from sales and payments on loans held for sale	2,213,434^†	1,983,084^†	1,515,593	1,672,212^†	1,931,987^†	2,154,295^†	392,753	147,627^†
Gain on sales of loans held for sale, net	(3,435)^†	(3,278)^†	(2,523)	(1,684)^†	(2,841)^†	(2,713)^†	(2,419)	(1,919)^†
(Increase) decrease in other assets	(89,181)^†	324,290^†	(96,746)	(113,459)^†	(41,639)^†	(152,550)^†	(81,810)	(44,549)^†
Increase (decrease) in other liabilities	50,369^†	(354,926)^†	(50,058)	96,364^†	49,060^†	142,435^†	(22,298)	73,647^†
Investment securities (gains) losses, net	(1,742)^†	—	—	0^†	0^†	256,660^†	0	77,748^†
Share-based compensation expense	8,042^†	9,111^†	6,496	7,986^†	8,442^†	7,707^†	7,914	7,373^†
Loss on sales of loans	—	—	—	0^†	—	—	—	0^†
Net gain on sales of other real estate and other assets held for sale	(711)^†	0^†	(355)	(626)^†	(303)^†	(899)^†	—	(566)^†
Other	—	—	—	0^†	0^†	—	—	(4,497)^†
Net cash provided by (used in) operating activities	205,724^†	183,229^†	51,902	260,819^†	256,926^†	279,209^†	24,076	266,213^†
Investing Activities
Net cash received (paid) for business combination and divestiture	—	—	—	0^†	0^†	—	—	0^†
Proceeds from maturities and principal collections of investment securities held to maturity	69,863^†	60,939^†	49,571	57,474^†	63,472^†	66,100^†	—	0^†
Proceeds from maturities and principal collections of investment securities available for sale	153,859^†	145,418^†	125,397	136,752^†	127,172^†	154,789^†	196,020	223,877^†
Proceeds from sales of investment securities available for sale	173,996^†	—	—	0^†	0^†	1,365,923^†	0	1,218,925^†
Purchases of investment securities available for sale	(42,532)^†	(47,148)^†	(277,156)	(385,667)^†	(378,879)^†	(1,617,952)^†	(258,482)	(1,440,498)^†
Net proceeds from sales of loans	5,094^†	9,248^†	37	12,328^†	16,272^†	6,305^†	2,548	8,922^†
Purchases of loans	—	—	—	0^†	0^†	—	—	0^†
Net (increase) decrease in loans	(257,977)^†	(912,850)^†	(56,802)	475,388^†	(66,812)^†	177,957^†	28,830	226,089^†
Net (purchases) redemptions of Federal Home Loan Bank stock	26,125^†	(85,518)^†	(16,878)	36,812^†	13,063^†	(24)^†	(16,626)	33,273^†
Net (purchases) redemptions of Federal Reserve Bank stock	(230)^†	202^†	(287)	(314)^†	(224)^†	27^†	(12,144)	10,598^†
Net proceeds from settlement (purchases) of bank-owned life insurance policies	4,233^†	—	—	4,172^†	760^†	1,564^†	0	5,413^†
Net increase in premises, equipment and software	(7,070)^†	(6,532)^†	(8,158)	(11,768)^†	(15,848)^†	(10,046)^†	(18,490)	(11,650)^†
Other	—	—	—	—	—	—	0	1,390^†
Proceeds from sales of other real estate and other assets held for sale	1,840^†	0^†	2,534	1,585^†	747^†	24,787^†	—	1,390^†
Net cash provided by (used in) investing activities	127,201^†	(828,708)^†	(181,742)	326,762^†	(240,277)^†	169,430^†	(78,344)	276,339^†
Financing Activities
Net increase (decrease) in deposits	77,666^†	(923,192)^†	(258,749)	905,813^†	(17,518)^†	(387,335)^†	(157,277)	518,957^†
Net increase (decrease) in federal funds purchased and securities sold under repurchase agreements	—	—	(48,726)	37,673^†	(429)^†	(33,760)^†	(60,830)	90,804^†
Net increase (decrease) in other short-term borrowings	—	—	0	0^†	(2,536)^†	(249,933)^†	248,973	1,134^†
Net increase (decrease) in federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings	(22,860)^†	—	—	—	(2,965)^†	—	—	—
Repayments and redemption of long-term debt	(900,000)^†	—	—	(775,000)^†	(275,000)^†	—	—	(783,505)^†
Proceeds from long-term debt, net	0^†	1,800,000^†	350,000	496,791^†	0^†	1,050,000^†	100,000	0^†
Dividends paid to common shareholders	(54,124)^†	(54,736)^†	(53,657)	(53,958)^†	(54,798)^†	(55,639)^†	(55,733)	(55,558)^†
Dividends paid to preferred shareholders	(11,404)^†	(11,395)^†	(11,323)	(11,577)^†	(9,721)^†	(9,713)^†	(9,685)	(9,746)^†
Repurchases of common stock	17^†	(21,437)^†	(120,849)	(49,697)^†	(100,891)^†	(91,740)^†	(30,015)	0^†
Issuances, net of taxes paid, under equity compensation plans	—	—	—	—	3,248^†	589^†	(9,091)	9,157^†
Issuances, net of taxes paid, under equity compensation plans	(329)^†	(3)^†	(14,610)	2,749^†	3,248^†	589^†	—	—
Net cash provided by (used in) financing activities	(911,034)^†	791,562^†	(157,914)	552,794^†	(457,645)^†	(577,531)^†	26,342	(228,757)^†
Increase (decrease) in cash and cash equivalents including restricted cash	(578,109)^†	146,083^†	(287,754)	1,140,375^†	(440,996)^†	(128,892)^†	(27,926)	313,795^†
Cash, cash equivalents, and restricted cash, at beginning of period	2,852,316	2,706,233	2,993,987	1,853,612	2,294,608	2,423,500	2,451,426	2,137,631
Cash, cash equivalents, and restricted cash at end of period	2,274,207	2,852,316	2,706,233	2,993,987	1,853,612	2,294,608	2,423,500	2,451,426
Supplemental Disclosures:
Income taxes paid	36,179^†	31,444^†	30,303	13,751^†	4,556^†	163^†	28,798	9,671^†
Interest paid	330,751^†	319,109^†	327,399	336,445^†	400,215^†	345,251^†	385,188	332,498^†
Non-cash Activities
Loans foreclosed and transferred to other real estate	21,357^†	635^†	403	0^†	0^†	782^†	21,210	0^†
Investment securities transferred from available for sale to held to maturity	0^†	—	—	0^†	0^†	—	—	0^†
Settlement of acquired debt	—	—	—	0^†	0^†	—	—	0^†

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.