# EDGAR Filing Document

**Accession Number:** 0000018349
**File Stem:** 0001483027-25-000005
**Filing Date:** 2025-12
**Character Count:** 10071
**Document Hash:** da9431ae8a7f151bbfad1ae0e560a546
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001483027-25-000005.hdr.sgml**: 20251215

**ACCESSION NUMBER**: 0001483027-25-000005

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251211

**FILED AS OF DATE**: 20251215

**DATE AS OF CHANGE**: 20251215

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Howard Kevin Joseph
- **CENTRAL INDEX KEY:** 0001483027

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-10312
- **FILM NUMBER:** 251571824

**MAIL ADDRESS:**
- **STREET 1:** 1111 BAY AVENUE
- **STREET 2:** SUITE 500
- **CITY:** COLUMBUS
- **STATE:** GA
- **ZIP:** 31901
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SYNOVUS FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000018349
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 581134883
- **STATE OF INCORPORATION:** X1
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 33 W 14TH STREET
- **CITY:** COLUMBUS
- **STATE:** GA
- **ZIP:** 31901
- **BUSINESS PHONE:** 7066416500

**MAIL ADDRESS:**
- **STREET 1:** 33 W 14TH STREET
- **CITY:** COLUMBUS
- **STATE:** GA
- **ZIP:** 31901

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CB&T BANCSHARES INC
- **DATE OF NAME CHANGE:** 19890912

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Howard Kevin Joseph<br><sub>(Last) (First) (Middle)</sub><br>P.O. BOX 120<br><sub>(Street)</sub><br>COLUMBUS, GA 31902<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-12-11 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [ ] 10% Owner<br>[X] Officer (give title below) [ ] Other (specify below)<br>_EVP, Chief Wholesale Bank. Off_ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>SYNOVUS FINANCIAL CORP [ SNV ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Common Stock | 2025-12-11 |  | M<sup>(1)</sup> |  | 9358 | A | $52.65 | 68294 | D |  |
| Common Stock | 2025-12-11 |  | A |  | 6266<sup>(2)</sup> | A | $52.65 | 74560 | D |  |
| Common Stock | 2025-12-11 |  | F |  | 8665<sup>(3)</sup> | D | $52.65 | 65895 | D |  |
| Common Stock | 2025-12-11 |  | M<sup>(1)</sup> |  | 11030 | A | $52.65 | 76925 | D |  |
| Common Stock | 2025-12-11 |  | A |  | 6512<sup>(4)</sup> | A | $52.65 | 83437 | D |  |
| Common Stock | 2025-12-11 |  | F |  | 9729<sup>(3)</sup> | D | $52.65 | 73708 | D |  |
| Common Stock | 2025-12-11 |  | M<sup>(5)</sup> |  | 2079 | A | $0 | 75787 | D |  |
| Common Stock | 2025-12-11 |  | D<sup>(5)</sup> |  | 2079 | D | $52.65 | 73708 | D |  |
| Common Stock | 2025-12-11 |  | M<sup>(5)</sup> |  | 2451 | A | $0 | 76159 | D |  |
| Common Stock | 2025-12-11 |  | D<sup>(5)</sup> |  | 2451 | D | $52.65 | 73708 | D |  |
| Common Stock | 2025-12-11 |  | M<sup>(5)</sup> |  | 1652 | A | $0 | 75360 | D |  |
| Common Stock | 2025-12-11 |  | D<sup>(5)</sup> |  | 1652 | D | $52.65 | 73708 | D |  |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| Performance Stock Units | <sup>(1)</sup> | 2025-12-11 |  | M |  |  | 9358 | <sup>(6)</sup> | 2026-02-16 | Common Stock | 9358 | $0 | 0 | D |  |
| Performance Stock Units | <sup>(1)</sup> | 2025-12-11 |  | M |  |  | 11030 | <sup>(6)</sup> | 2027-02-15 | Common Stock | 11030 | $0 | 0 | D |  |
| Restricted Stock Units | <sup>(5)</sup> | 2025-12-11 |  | M |  |  | 2079 | <sup>(6)</sup> | 2026-02-16 | Common Stock | 2079 | $0 | 0 | D |  |
| Restricted Stock Units | <sup>(5)</sup> | 2025-12-11 |  | M |  |  | 2451 | <sup>(6)</sup> | 2027-02-15 | Common Stock | 2451 | $0 | 2451 | D |  |
| Restricted Stock Units | <sup>(5)</sup> | 2025-12-11 |  | M |  |  | 1652 | <sup>(6)</sup> | 2028-02-13 | Common Stock | 1652 | $0 | 3305 | D |  |

---

### Footnotes:

(1) These shares are subject to performance stock units (the "PSUs"). The PSUs have a service-based vesting component as well as a performance vesting requirement. Under the service-based vesting component, the PSUs vest 100% after three years subject to the reporting person's continued employment with Synovus. Under the performance vesting component, two performance measures (weighted average return on tangible common equity and relative total shareholder return) are measured over a three-year performance period, with each measure impacting one-half of the PSUs awarded to the reporting person. The actual payout of the PSUs may range from 0% to 150% of the target amount based upon the results of the two performance measures during the performance period compared to the performance objective approved by the Compensation and Human Capital Committee of Synovus' Board of Directors.

(2) On February 17, 2023, the reporting person reported the grant of PSUs. Based upon the Company's determination of performance for the relevant performance period, the reporting person received 4,678 additional shares of the Company's restricted stock, such shares representing the amount vested in excess of the target amount of PSUs initially reported on the Form 4 filed in February 2023. In addition, the reporting person received 1,588 shares through the accrual of dividend equivalents.

(3) These shares were withheld upon the vesting of performance stock units to pay tax withholding obligations.

(4) On February 20, 2024, the reporting person reported the grant of PSUs. Based upon the Company's determination of performance for the relevant performance period, the reporting person received 5,516 additional shares of the Company's restricted stock, such shares representing the amount vested in excess of the target amount of PSUs initially reported on the Form 4 filed in February 2024. In addition, the reporting person received 996 shares through the accrual of dividend equivalents.

(5) These shares are subject to restricted stock units that will be settled in cash upon vesting.

(6) The vesting of certain restricted stock units that would otherwise vest in February of 2026 and PSUs that would otherwise vest  in accordance with their terms at the end of the 2025 fiscal year or upon the consummation of the proposed business combination with Pinnacle Financial Partners ("Pinnacle"), in each case held by the reporting person, was accelerated so that the compensation income resulting from the settlement of these awards will be recognized by the reporting person in 2025 for the purpose of mitigating the impact of the excise tax that might otherwise be imposed on the reporting person under Sections 280G and 4999 of the Internal Revenue Code in connection with the proposed business combination with Pinnacle.

**Signature:** /s/ Mary Maurice Young  
**Date:** 2025-12-15

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**