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
Operating Activities
Net income	196,505^†	217,119^†	194,872	189,377^†
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^†
Depreciation, amortization, and accretion, net	16,722^†	13,530^†	11,543	12,860^†
Deferred income tax expense (benefit)	(1,195)^†	2,508^†	6,787	4,355^†
Originations of loans held for sale	(2,204,773)^†	(2,011,454)^†	(1,544,628)	(1,639,433)^†
Proceeds from sales and payments on loans held for sale	2,213,434^†	1,983,084^†	1,515,593	1,672,212^†
Gain on sales of loans held for sale, net	(3,435)^†	(3,278)^†	(2,523)	(1,684)^†
(Increase) decrease in other assets	(89,181)^†	324,290^†	(96,746)	(113,459)^†
Increase (decrease) in other liabilities	50,369^†	(354,926)^†	(50,058)	96,364^†
Investment securities (gains) losses, net	(1,742)^†	—	—	0^†
Share-based compensation expense	8,042^†	9,111^†	6,496	7,986^†
Loss on sales of loans	—	—	—	0^†
Net gain on sales of other real estate and other assets held for sale	(711)^†	0^†	(355)	(626)^†
Other	—	—	—	0^†
Net cash provided by (used in) operating activities	205,724^†	183,229^†	51,902	260,819^†
Investing Activities
Net cash received (paid) for business combination and divestiture	—	—	—	0^†
Proceeds from maturities and principal collections of investment securities held to maturity	69,863^†	60,939^†	49,571	57,474^†
Proceeds from maturities and principal collections of investment securities available for sale	153,859^†	145,418^†	125,397	136,752^†
Proceeds from sales of investment securities available for sale	173,996^†	—	—	0^†
Purchases of investment securities available for sale	(42,532)^†	(47,148)^†	(277,156)	(385,667)^†
Net proceeds from sales of loans	5,094^†	9,248^†	37	12,328^†
Purchases of loans	—	—	—	0^†
Net (increase) decrease in loans	(257,977)^†	(912,850)^†	(56,802)	475,388^†
Net (purchases) redemptions of Federal Home Loan Bank stock	26,125^†	(85,518)^†	(16,878)	36,812^†
Net (purchases) redemptions of Federal Reserve Bank stock	(230)^†	202^†	(287)	(314)^†
Net proceeds from settlement (purchases) of bank-owned life insurance policies	4,233^†	—	—	4,172^†
Net increase in premises, equipment and software	(7,070)^†	(6,532)^†	(8,158)	(11,768)^†
Proceeds from sales of other real estate and other assets held for sale	1,840^†	0^†	2,534	1,585^†
Net cash provided by (used in) investing activities	127,201^†	(828,708)^†	(181,742)	326,762^†
Financing Activities
Net increase (decrease) in deposits	77,666^†	(923,192)^†	(258,749)	905,813^†
Net increase (decrease) in federal funds purchased and securities sold under repurchase agreements	—	—	(48,726)	37,673^†
Net increase (decrease) in other short-term borrowings	—	—	0	0^†
Net increase (decrease) in federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings	(22,860)^†	—	—	—
Repayments and redemption of long-term debt	(900,000)^†	—	—	(775,000)^†
Proceeds from long-term debt, net	0^†	1,800,000^†	350,000	496,791^†
Dividends paid to common shareholders	(54,124)^†	(54,736)^†	(53,657)	(53,958)^†
Dividends paid to preferred shareholders	(11,404)^†	(11,395)^†	(11,323)	(11,577)^†
Repurchases of common stock	17^†	(21,437)^†	(120,849)	(49,697)^†
Issuances, net of taxes paid, under equity compensation plans	(329)^†	(3)^†	(14,610)	2,749^†
Net cash provided by (used in) financing activities	(911,034)^†	791,562^†	(157,914)	552,794^†
Increase (decrease) in cash and cash equivalents including restricted cash	(578,109)^†	146,083^†	(287,754)	1,140,375^†
Cash, cash equivalents, and restricted cash, at beginning of period	2,852,316	2,706,233	2,993,987	1,853,612
Cash, cash equivalents, and restricted cash at end of period	2,274,207	2,852,316	2,706,233	2,993,987
Supplemental Disclosures:
Income taxes paid	36,179^†	31,444^†	30,303	13,751^†
Interest paid	330,751^†	319,109^†	327,399	336,445^†
Non-cash Activities
Loans foreclosed and transferred to other real estate	21,357^†	635^†	403	0^†
Investment securities transferred from available for sale to held to maturity	0^†	—	—	0^†
Settlement of acquired debt	—	—	—	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.