SIMMONS FIRST NATIONAL CORP

Listed Company

SFNCCIK 0000090498NasdaqLarge AcceleratedNational Commercial BanksArkansasFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$-397.55M

Total Assets

$24.54B

Equity

$3.42B

Shares Out

145.06M

Op. Cash Flow

$449.50M

SFNC$22.85+14.05% · past yearDBEQ Basic

Daily closing prices

Business

Simmons First National Corporation is a bank holding company providing commercial, consumer, and wealth management banking services through its subsidiary Simmons Bank. The company operates approximately 222 financial centers across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, offering loans, deposits, treasury management, trust, investment, and insurance services. Operating segments include community banking focused on retail and small-to-mid-size customers, commercial banking for larger clients, and a wealth group serving investment and trust needs.

Summary from 10-K filed 2026-02-25

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	1,063	1,083	989	694	555
Interest bearing balances due from banks and federal funds sold	14	12	13	6	3
Investment securities	165	216	207	158	112
Mortgage loans held for sale	799,000	731,000	557,000	720,000	2
Assets held in trading accounts	217,000	0	0	—	—
TOTAL INTEREST INCOME	1,244	1,312	1,210	862	671
Deposits	476	600	473	99	41
Federal funds purchased and securities sold under agreements to repurchase	301,000	602,000	1	941,000	579,000
Other borrowings	23	55	61	25	19
Subordinated notes and debentures	25	28	25	19	18
TOTAL INTEREST EXPENSE	525	684	560	144	—
NET INTEREST INCOME	719	628	650	717	592
Provision for credit losses	66	47	42	14	−33
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	653	582	608	703	624
Bank owned life insurance income	16	15	12	11	9
Loss on sale of securities, net	−801	−28	−21	−278,000	15
Other income	31	28	35	27	35
TOTAL NONINTEREST INCOME (LOSS)	−616	147	156	170	192
Salaries and employee benefits	298	284	286	287	246
Occupancy expense, net	48	48	47	44	39
Furniture and equipment expense	22	22	21	21	20
Other real estate and foreclosure expense	1	700,000	892,000	1	2
Deposit insurance	20	24	30	12	7
Merger related costs	0	0	1	22	16
Other operating expenses	176	179	177	180	154
TOTAL NONINTEREST EXPENSE	565	558	563	567	484
INCOME (LOSS) BEFORE INCOME TAXES	−528	171	201	307	332
Provision for (benefit from) income taxes	−130	19	26	50	61
NET INCOME (LOSS)	−398	153	175	256	271
BASIC EARNINGS PER SHARE (in dollars per share)	−2.96	1.22	1.39	2.07	2.47
DILUTED EARNINGS PER SHARE (in dollars per share)	−2.95	1.21	1.38	2.06	2.46

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and noninterest bearing balances due from banks	380	430	345	201	209
Interest bearing balances due from banks and federal funds sold	331	258	269	482	1,441
Cash and cash equivalents	712	687	614	682	1,651
Interest bearing balances due from banks time	100,000	100,000	100,000	795,000	2
Held-to-maturity, net of allowance for credit losses of $3,214 at December 31, 2024	0	3,637	3,726	3,760	1,529
Available-for-sale, at estimated fair value (amortized cost of $3,642,809 and $2,852,774 at December 31, 2025 and 2024, respectively)	3,270	2,529	3,152	3,853	7,114
Total investments	3,266	6,166	—	—	—
Mortgage loans held for sale	17	11	9	3	36
Assets held in trading accounts	12	0	—	—	—
Loans	17,490	17,010	16,850	16,140	12,010
Allowance for credit losses on loans	−224	−235	−225	−197	−205
Net loans	17,268	16,771	16,620	15,945	11,807
Premises and equipment	561	585	571	549	483
Foreclosed assets and other real estate owned	12	9	4	—	—
Interest receivable	104	123	122	103	73
Bank owned life insurance	540	532	501	491	445
Goodwill	1,320	1,320	1,320	1,320	1,150
Other intangible assets	84	97	113	129	106
Other assets	643	572	592	623	326
Total assets	24,541	26,876	27,346	27,461	24,725
Noninterest bearing transaction accounts	4,330	4,461	4,801	6,017	5,325
Interest bearing transaction accounts and savings deposits	11,141	10,982	10,997	11,763	11,589
Time deposits	4,713	6,443	6,447	4,769	2,452
Total deposits	20,184	21,886	22,245	22,548	19,367
Federal funds purchased and securities sold under agreements to repurchase	21	37	68	160	185
Other borrowings	302	745	972	859	1,338
Subordinated notes and debentures	318	366	366	366	384
Accrued interest and other liabilities	296	313	268	258	202
Total liabilities	21,122	23,347	23,919	24,192	21,476
Common stock, Class A, $0.01 par value; 350,000,000 shares authorized at December 31, 2025 and 2024; 144,762,817 and 125,651,540 shares issued and outstanding at December 31, 2025 and 2024, respectively	1	1	1	1	1
Surplus	2,847	2,512	2,500	2,530	2,165
Undivided profits	864	1,377	1,330	1,256	1,093
Accumulated other comprehensive loss	−293	−361	−404	−518	−11
Total stockholders equity	3,419	3,529	3,426	3,269	3,249
Total liabilities and stockholders equity	24,541	26,876	27,346	27,461	24,725

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	41	46	48	49	47
Loss on sale of investments	801	28	21	278,000	−15
Net amortization of investment securities and assets	12	17	15	−39	−53
Net amortization on borrowings	257,000	152,000	152,000	313,000	1
Stock-based compensation expense	11	11	12	15	16
Gain on sale of foreclosed assets and other real estate owned	−500,000	−928,000	−182,000	−390,000	−932,000
Gain on sale of mortgage loans held for sale	−8	−8	−8	−17	−36
(Gain) loss on sale of loans	−109,000	234,000	0	−282,000	0
Loss on early extinguishment of debt	565,000	0	0	365,000	0
Deferred income taxes	−154	−3	−2	15	11
Income from bank owned life insurance	−19	−16	−13	−11	−9
Originations of mortgage loans held for sale	−281	−277	−263	−498	−1,035
Proceeds from sale of mortgage loans held for sale	283	284	265	547	1,191
Interest receivable	19	−813,000	−20	−22	4
Assets held in trading accounts	−12	0	0	—	—
Other assets	91	101	264	−7	−33
Accrued interest and other liabilities	2	53	−4	10	−51
Income taxes payable	−6	−8	9	8	9
Net cash provided by operating activities	450	426	541	322	278
Net change in loans	−709	−214	−787	—	—
Proceeds from sale of loans	122	13	70	74	28
Proceeds from sale of closed branches	19	0	0	—	—
Decrease in due from banks - time	0	0	695,000	1	292,000
Purchases of premises and equipment, net	−38	−46	−33	−35	−48
Proceeds from sale of foreclosed assets and other real estate owned	11	5	2	5	22
Proceeds from sale of available-for-sale securities	2,363	252	248	0	343
Proceeds from maturities of available-for-sale securities	338	300	303	1,138	1,002
Purchases of available-for-sale securities	−597	−7	−8	−261	−5,266
Proceeds from maturities of held-to-maturity securities	41	81	85	86	16
Purchases of held-to-maturity securities	0	0	−68	−331	−709
Proceeds from bank owned life insurance death benefits	8	1	4	2	4
Purchases of bank owned life insurance	−16	−25	0	0	−160
Surrender of bank owned life insurance	19	7	0	0	—
Sale of equipment finance business	11	0	0	—	—
Net cash provided by (used in) investing activities	1,572	370	−184	−946	−2,538
Net change in deposits	−1,702	−359	−303	463	847
Proceeds from issuance of other borrowed funds	1,765	3,375	3,725	1,160	—
Proceeds from issuance of subordinated notes	321	0	0	—	0
Repayments of other borrowed funds	−2,208	−3,602	−3,612	−1,677	—
Repayments of subordinated debentures	−367	0	0	−56	−2
Dividends paid on common stock	−115	−105	−101	−94	−79
Net change in federal funds purchased and securities sold under agreements to repurchase	−16	−31	−92	−25	−117
Issuance of common stock	327	0	0	—	—
Net shares cancelled under stock compensation plans	−4	−595,000	−3	−5	290,000
Shares issued under employee stock purchase plan	836,000	970,000	833,000	1	1
Repurchase of common stock	0	0	−40	−111	−132
Net cash used in financing activities	−1,997	−722	−425	−344	438
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	25	73	−68	−969	−1,821

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro

Frequently asked questions

What is SIMMONS FIRST NATIONAL CORP's CIK number?

SIMMONS FIRST NATIONAL CORP's SEC CIK number is 0000090498 (90498). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find SIMMONS FIRST NATIONAL CORP's SEC filings?

All of SIMMONS FIRST NATIONAL CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did SIMMONS FIRST NATIONAL CORP last report earnings?

SIMMONS FIRST NATIONAL CORP (SFNC) most recently filed an earnings 8-K with the SEC on Apr 16, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-159123). This is SIMMONS FIRST NATIONAL CORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is SIMMONS FIRST NATIONAL CORP's most recent earnings 8-K?

SIMMONS FIRST NATIONAL CORP's latest earnings 8-K (Item 2.02) was filed Apr 16, 2026 under accession 0001193125-26-159123. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View SIMMONS FIRST NATIONAL CORP's latest earnings 8-K →
Look up any company's CIK number →