Simmons First National Corporation

NASDAQ•SFNC

CEO: Mr. George A. Makris Jr.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1985-03-14

Simmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; treasury management; insurance products; and securities and investment services. It also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. The company was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

Contact Information

501 Main Street, Pine Bluff, AR, 71601, United States

870-541-1000

www.simmonsbank.com

Market Cap

$2.70B

P/E (TTM)

-5.9

14.5

Dividend Yield

4.6%

52W High

$22.18

52W Low

$17.00

52W Range

31%

Rank42Top 47.5%

3.9

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.9 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$358.81M-2.07%

4-Quarter Trend

EPS

$0.54+42.10%

4-Quarter Trend

FCF

$104.67M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Interest Margin Expansion NIM rose 58 basis points to 3.32% for 2025, primarily driven by balance sheet repositioning activities completed during the year.

Loan Growth Maintained Total loans increased 2.9% to $17.49B by year-end 2025, reflecting widespread loan growth across geographic markets.

Significant Net Loss Reported Reported net loss of $(397.6)M, largely due to a $801.5M gross realized loss from the strategic sale of investment securities.

Strong Capital Position Common Equity Tier 1 ratio stood at 11.63% as of December 31, 2025, well above minimum regulatory requirements.

Risk Factors

Asset Quality Slight Deterioration Nonperforming assets ratio increased to 0.51% of total assets; two specific credit relationships were charged off during 2025.

Deposit Base Contraction Total deposits decreased $1.70B to $20.18B, largely due to paying down higher-rate, non-relationship wholesale funding.

Interest Rate Sensitivity Exposure Profitability remains highly sensitive to interest rate changes, impacting net interest income if deposit costs rise faster than loan yields.

Cybersecurity and Technology Reliance Heavy reliance on IT systems and third-party vendors creates ongoing risk of disruption, data breaches, and compliance costs.

Outlook

Margin Stabilization Expected Anticipate continued margin expansion in 2026 from the full period benefit of the recent balance sheet repositioning strategy.

Focus on Organic Growth Management is enhancing focus on capitalizing on organic growth opportunities rather than pursuing strategic M&A in the near term.

Credit Portfolio Monitoring Asset quality is sound, but management continues disciplined pricing and underwriting while monitoring CRE concentration risks.

Sufficient Liquidity Forecast Projected capital and liquidity levels are sufficient to meet current dividend obligations and fund targeted technology investments.

Peer Comparison

Revenue (TTM)

BKU

$2.14B

+5.8%

BANC

$1.81B

-3.3%

WAFD

$1.39B

-6.7%

Gross Margin (Latest Quarter)

PRK

83.5%

+4.2pp

CVBF

81.1%

+23.7pp

WSFS

75.9%

+2.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
WSFS	$3.43B	11.9	10.6%	1.4%
BKU	$3.22B	12.1	9.0%	5.6%
CBU	$3.03B	15.3	11.0%	4.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.7%

Moderate Growth

4Q Net Income CAGR

34.1%

Profitability Improved

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 14, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data