BOK Financial (NYSE: SNV) and Synovus Financial (NYSE:SNV) are both mid-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, institutional ownership, valuation, dividends, risk, analyst recommendations and earnings.

Volatility & Risk

BOK Financial has a beta of 0.94, indicating that its stock price is 6% less volatile than the S&P 500. Comparatively, Synovus Financial has a beta of 0.94, indicating that its stock price is 6% less volatile than the S&P 500.

Profitability

This table compares BOK Financial and Synovus Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
BOK Financial 21.91% 11.04% 1.18%
Synovus Financial 21.47% 13.61% 1.23%

Earnings and Valuation

This table compares BOK Financial and Synovus Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
BOK Financial $1.67 billion 4.10 $334.64 million $5.29 19.77
Synovus Financial $1.51 billion 3.86 $275.47 million $2.53 19.60

BOK Financial has higher revenue and earnings than Synovus Financial. Synovus Financial is trading at a lower price-to-earnings ratio than BOK Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of current ratings and recommmendations for BOK Financial and Synovus Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BOK Financial 0 6 4 0 2.40
Synovus Financial 0 10 2 0 2.17

BOK Financial presently has a consensus target price of $106.72, suggesting a potential upside of 2.06%. Synovus Financial has a consensus target price of $51.15, suggesting a potential upside of 3.15%. Given Synovus Financial’s higher possible upside, analysts clearly believe Synovus Financial is more favorable than BOK Financial.

Dividends

BOK Financial pays an annual dividend of $2.00 per share and has a dividend yield of 1.9%. Synovus Financial pays an annual dividend of $1.00 per share and has a dividend yield of 2.0%. BOK Financial pays out 37.8% of its earnings in the form of a dividend. Synovus Financial pays out 39.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BOK Financial has raised its dividend for 13 consecutive years and Synovus Financial has raised its dividend for 4 consecutive years.

Institutional & Insider Ownership

34.4% of BOK Financial shares are held by institutional investors. Comparatively, 81.0% of Synovus Financial shares are held by institutional investors. 60.5% of BOK Financial shares are held by insiders. Comparatively, 1.5% of Synovus Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

BOK Financial beats Synovus Financial on 11 of the 16 factors compared between the two stocks.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, and cash management services, as well as customer risk management products for small businesses, middle market, and larger commercial customers. This segment also operates TransFund electronic funds network. The Consumer Banking segment provides lending and deposit services to small business customers through the retail branch network; and mortgage banking services. The Wealth Management segment offers fiduciary, private banking, and investment advisory services; and brokerage and trading services, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, wholesale/retail sector, and energy sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage, personal, and home equity loans. Further, the company provides automated teller machines, call center, and Internet and mobile banking services. As of December 31, 2017, it operated 2,223 TransFund ATM locations. BOK Financial Corporation was founded in 1910 and is headquartered in Tulsa, Oklahoma.

About Synovus Financial

Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides various financial products and services. It offers integrated financial services, including commercial and retail banking, financial management, insurance, and mortgage services. The company's commercial banking services comprise cash management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services consist of accepting various types of demand and savings deposits; mortgage, installment, and other retail loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfer services; Internet based banking services; and bank credit card services, including MasterCard and Visa services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, asset management and financial planning services, and individual investment advice on equity and other securities, as well as trust services. As of December 31, 2017, it operated through 28 divisions and 250 branches in Georgia, Alabama, South Carolina, Florida, and Tennessee. Synovus Financial Corporation was founded in 1888 and is headquartered in Columbus, Georgia.

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