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Simmons First National (SFNC) Financials

Simmons First National logo
$20.58 -0.32 (-1.53%)
Closing price 05/13/2026 04:00 PM Eastern
Extended Trading
$21.83 +1.25 (+6.09%)
As of 08:04 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Simmons First National

Annual Income Statements for Simmons First National

This table shows Simmons First National's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 74 97 93 216 238 255 271 256 175 153 -398
Consolidated Net Income / (Loss)		 74 97 93 216 238 255 271 256 175 153 -398
Net Income / (Loss) Continuing Operations		 74 97 93 216 238 255 271 256 175 153 -398
Total Pre-Tax Income 		107 143 155 266 302 320 332 307 201 171 -528
Total Revenue		 373 419 494 696 800 880 783 887 806 776 103
Net Interest Income / (Expense)		 279 279 355 549 602 640 592 717 650 628 719
Total Interest Income		 301 301 395 677 783 760 671 862 1,210 1,312 1,244
Loans and Leases Interest Income		 269 267 353 617 712 691 557 698 990 1,084 1,064
Investment Securities Interest Income		 31 33 40 53 63 65 112 158 207 216 166
Deposits and Money Market Investments Interest Income		 0.90 0.76 1.93 6.00 7.49 4.38 2.80 5.50 13 12 14
Total Interest Expense		 22 22 40 128 181 120 80 144 560 684 525
Deposits Interest Expense		 15 15 28 87 139 80 41 99 473 600 476
Long-Term Debt Interest Expense		 1.77 2.16 3.35 17 18 19 18 19 25 28 25
Federal Funds Purchased and Securities Sold Interest Expense		 0.24 0.27 0.35 0.42 1.01 1.72 0.58 0.94 1.15 0.60 0.30
Other Interest Expense		 5.10 4.15 8.62 24 23 20 19 25 61 55 23
Total Non-Interest Income		 95 139 139 148 198 240 192 170 156 147 -616
Other Service Charges		 95 127 131 140 180 179 167 155 164 160 170
Net Realized & Unrealized Capital Gains on Investments		 -15 5.85 1.06 0.06 13 55 15 3.80 -21 -28 -801
Other Non-Interest Income		 2.68 3.32 3.50 4.42 4.77 5.82 8.90 11 12 15 16
Provision for Credit Losses		 9.02 20 26 38 43 75 -33 14 42 47 66
Total Non-Interest Expense		 257 255 312 392 454 485 484 567 563 558 565
Salaries and Employee Benefits		 138 133 154 217 228 242 246 287 286 284 298
Net Occupancy & Equipment Expense		 31 35 41 46 50 62 59 65 67 70 70
Property & Liability Insurance Claims		 4.20 3.47 3.70 8.72 4.42 9.18 6.97 12 30 24 20
Other Operating Expenses		 70 78 92 116 135 167 156 181 178 179 177
Restructuring Charge		 14 4.84 22 4.78 36 4.53 16 22 1.42 0.00 0.00
Income Tax Expense		 33 47 62 50 64 65 61 50 26 19 -130
Basic Earnings per Share		 $1.32 $1.58 $1.34 $2.34 $2.42 $2.32 $2.47 $2.07 $1.39 $1.22 ($2.96)
Weighted Average Basic Shares Outstanding		 28.08M 61.29M 69.39M 92.27M 113.28M 108.09M 112.37M 127.15M 125.33M 125.81M 144.87M
Diluted Earnings per Share		 $1.31 $1.56 $1.33 $2.32 $2.41 $2.31 $2.46 $2.06 $1.38 $1.21 ($2.95)
Weighted Average Diluted Shares Outstanding		 28.08M 61.29M 69.39M 92.27M 113.28M 108.09M 112.37M 127.15M 125.33M 125.81M 144.87M
Weighted Average Basic & Diluted Shares Outstanding		 28.08M 61.29M 69.39M 92.27M 113.28M 108.09M 112.37M 127.15M 125.33M 125.81M 144.87M
Cash Dividends to Common per Share		 $0.92 $0.48 $0.50 $0.60 $0.64 $0.68 $0.72 $0.76 $0.80 $0.84 $0.85

Quarterly Income Statements for Simmons First National

This table shows Simmons First National's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 47 24 39 41 25 48 32 55 -563 78 69
Consolidated Net Income / (Loss)		 47 24 39 41 25 48 32 55 -563 78 69
Net Income / (Loss) Continuing Operations		 47 24 39 41 25 48 32 55 -563 78 69
Total Pre-Tax Income 		56 19 45 47 26 54 38 64 -724 94 86
Total Revenue		 196 178 195 197 175 209 210 214 -570 249 241
Net Interest Income / (Expense)		 153 156 152 154 158 165 163 172 187 197 197
Total Interest Income		 310 324 323 329 334 326 308 315 313 308 302
Loans and Leases Interest Income		 256 262 262 271 278 273 258 266 269 271 267
Investment Securities Interest Income		 51 59 58 55 53 50 47 47 38 34 32
Deposits and Money Market Investments Interest Income		 3.57 3.12 3.01 2.96 2.92 2.91 2.70 2.53 6.42 2.49 2.32
Total Interest Expense		 157 168 171 175 177 161 144 143 127 110 105
Deposits Interest Expense		 133 144 152 153 152 143 130 126 117 103 98
Long-Term Debt Interest Expense		 6.97 7.18 6.97 7.03 7.13 6.51 6.13 6.19 7.12 5.54 5.26
Federal Funds Purchased and Securities Sold Interest Expense		 0.28 0.23 0.19 0.16 0.14 0.12 0.11 0.06 0.07 0.06 0.04
Other Interest Expense		 16 17 12 15 17 11 7.71 11 2.96 2.14 1.75
Total Non-Interest Income		 43 22 43 43 17 44 46 42 -756 52 44
Other Service Charges		 40 39 39 39 42 40 42 38 41 48 40
Other Non-Interest Income		 3.10 3.09 3.81 3.88 3.76 3.78 4.09 3.89 3.94 3.94 4.22
Provision for Credit Losses		 7.72 10 10 11 12 13 27 12 12 15 15
Total Non-Interest Expense		 132 148 140 139 137 141 145 139 142 140 141
Salaries and Employee Benefits		 67 67 73 71 69 72 75 74 76 73 76
Net Occupancy & Equipment Expense		 17 17 17 17 18 18 18 17 17 17 18
Property & Liability Insurance Claims		 4.67 15 7.14 5.68 5.57 5.55 5.39 4.92 5.18 4.74 2.30
Other Operating Expenses		 43 49 43 45 45 46 46 42 43 45 45
Income Tax Expense		 9.24 -4.47 6.13 5.99 0.76 5.73 5.81 8.87 -161 16 18
Basic Earnings per Share		 $0.38 $0.19 $0.31 $0.32 $0.20 $0.39 $0.26 $0.43 ($4.01) $0.36 $0.47
Weighted Average Basic Shares Outstanding		 125.17M 125.33M 125.48M 125.55M 125.57M 125.81M 125.95M 144.70M 144.72M 144.87M 145.06M
Diluted Earnings per Share		 $0.37 $0.19 $0.31 $0.32 $0.20 $0.38 $0.26 $0.43 ($4.00) $0.36 $0.47
Weighted Average Diluted Shares Outstanding		 125.17M 125.33M 125.48M 125.55M 125.57M 125.81M 125.95M 144.70M 144.72M 144.87M 145.06M
Weighted Average Basic & Diluted Shares Outstanding		 125.17M 125.33M 125.48M 125.55M 125.57M 125.81M 125.95M 144.70M 144.72M 144.87M 145.06M
Cash Dividends to Common per Share		 $0.20 - $0.21 $0.21 $0.21 - $0.21 $0.21 $0.21 - $0.22

Annual Cash Flow Statements for Simmons First National

This table details how cash moves in and out of Simmons First National's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -84 33 312 235 163 2,476 -1,821 -969 -68 73 25
Net Cash From Operating Activities		 84 91 115 227 256 203 278 322 541 426 450
Net Cash From Continuing Operating Activities		 84 91 115 227 256 203 278 322 541 426 450
Net Income / (Loss) Continuing Operations		 74 97 93 216 238 255 271 256 175 153 -398
Consolidated Net Income / (Loss)		 74 97 93 216 238 255 271 256 175 153 -398
Provision For Loan Losses		 9.02 20 26 38 43 75 -33 14 42 47 66
Depreciation Expense		 14 17 21 28 36 49 47 49 48 46 41
Amortization Expense		 -33 -32 -38 -49 -53 -56 -52 -39 15 17 12
Non-Cash Adjustments to Reconcile Net Income		 6.29 6.85 30 10 -28 -137 104 37 14 21 788
Changes in Operating Assets and Liabilities, net		 14 -18 -19 -17 19 16 -60 4.47 247 142 -59
Net Cash From Investing Activities		 135 -251 -338 -1,395 604 1,190 -2,538 -946 -184 370 1,572
Net Cash From Continuing Investing Activities		 135 -251 -338 -1,395 604 1,190 -2,538 -946 -184 370 1,572
Purchase of Property, Leasehold Improvements and Equipment		 -15 -19 -34 -30 -68 -13 -48 -35 -33 -46 -38
Purchase of Investment Securities		 -818 -1,236 -1,576 -789 -1,709 -4,450 -6,135 -593 -76 -32 -613
Divestitures		 197 0.00 9.30 - 178 0.00 25 276 0.00 0.00 19
Sale and/or Maturity of Investments		 732 896 1,259 392 2,179 4,144 3,614 1,306 712 653 2,894
Other Investing Activities, net		 33 - - -913 24 1,327 - -1,900 -787 -207 -690
Net Cash From Financing Activities		 -303 193 536 1,404 -697 1,083 438 -344 -425 -722 -1,997
Net Cash From Continuing Financing Activities		 -303 193 536 1,404 -697 1,083 438 -344 -425 -722 -1,997
Net Change in Deposits		 -108 139 121 1,306 -405 1,087 847 463 -303 -359 -1,702
Issuance of Debt		 -144 0.00 522 326 26 - -80 1,160 3,725 3,375 2,086
Issuance of Common Equity		 3.30 4.35 2.26 - - - - - 0.00 0.00 327
Repayment of Debt		 0.00 106 -3.00 -149 -241 39 -1.56 -1,733 -3,612 -3,602 -2,575
Repurchase of Common Equity		 - - 0.00 0.00 -10 -113 -132 -111 -40 0.00 0.00
Payment of Dividends		 -27 -29 -35 -56 -64 -75 -79 -94 -101 -105 -115
Other Financing Activities, Net		 -27 2.98 -70 -24 39 146 -115 -29 -94 -30 -18

Quarterly Cash Flow Statements for Simmons First National

This table details how cash moves in and out of Simmons First National's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -140 8.44 -11 -29 29 84 -53 10 -0.85 68 -163
Net Cash From Operating Activities		 -38 421 58 86 199 83 33 78 223 116 40
Net Cash From Continuing Operating Activities		 -38 421 58 86 199 83 33 78 223 116 40
Net Income / (Loss) Continuing Operations		 47 24 39 41 25 48 32 55 -563 78 69
Consolidated Net Income / (Loss)		 47 24 39 41 25 48 32 55 -563 78 69
Provision For Loan Losses		 7.72 10 10 11 12 13 27 12 12 15 15
Depreciation Expense		 12 12 12 12 12 11 11 10 9.99 9.85 10
Amortization Expense		 4.39 4.37 4.71 4.27 4.24 3.54 4.25 4.03 2.17 1.69 1.43
Non-Cash Adjustments to Reconcile Net Income		 -2.81 22 -2.27 -1.49 30 -4.52 4.21 -9.58 803 -10 1.93
Changes in Operating Assets and Liabilities, net		 -107 348 -5.46 20 117 11 -46 6.26 -41 21 -56
Net Cash From Investing Activities		 255 -18 -40 -45 63 391 -9.01 89 1,807 -315 -322
Net Cash From Continuing Investing Activities		 255 -18 -40 -45 63 391 -9.01 89 1,807 -315 -322
Purchase of Property, Leasehold Improvements and Equipment		 -7.84 -6.53 -9.85 -13 -12 -11 -10 -11 -6.67 -9.99 -6.27
Purchase of Investment Securities		 -18 -11 0.00 - -1.00 -31 -7.82 -63 -526 -15 -13
Divestitures		 - - 0.00 - - - 11 4.13 1.39 2.25 0.00
Sale and/or Maturity of Investments		 291 76 134 164 233 122 104 180 2,508 102 179
Other Investing Activities, net		 -11 -77 -164 -196 -158 310 -107 -20 -170 -393 -481
Net Cash From Financing Activities		 -356 -394 -29 -70 -233 -390 -77 -156 -2,031 267 118
Net Cash From Continuing Financing Activities		 -356 -394 -29 -70 -233 -390 -77 -156 -2,031 267 118
Net Change in Deposits		 -258 14 108 -512 95 -50 -201 140 -1,987 346 19
Issuance of Debt		 775 600 575 - 850 725 865 615 321 285 430
Repayment of Debt		 -800 -975 -675 -1,325 -1,151 -1,026 -726 -866 -653 -332 -285
Payment of Dividends		 -25 -25 -26 -26 -26 -26 -27 -27 -31 -31 -31
Other Financing Activities, Net		 -28 -6.71 -9.88 -6.38 -0.99 -13 12 -19 -9.44 -1.26 -14

Annual Balance Sheets for Simmons First National

This table presents Simmons First National's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 7,560 8,400 15,056 16,543 21,259 22,360 24,725 27,461 27,346 26,876 24,541
Cash and Due from Banks		 112 122 208 177 282 219 209 201 345 430 381
Interest Bearing Deposits at Other Banks		 155 169 393 662 719 3,255 1,441 482 269 258 331
Trading Account Securities		 1,531 1,619 1,958 2,441 3,329 3,474 36 3,853 3,152 2,529 3,295
Loans and Leases, Net of Allowance		 4,888 5,597 10,738 11,667 14,357 12,663 0.00 15,945 16,620 16,771 17,268
Loans and Leases		 4,919 5,633 10,780 11,723 14,426 12,901 - 16,142 16,846 17,006 17,492
Allowance for Loan and Lease Losses		 31 36 42 57 68 238 - 197 225 235 224
Premises and Equipment, Net		 195 205 287 295 492 442 - 549 571 585 561
Goodwill		 328 349 843 846 1,056 1,075 1,146 1,320 1,321 1,321 1,321
Intangible Assets		 53 53 106 91 127 111 - 129 113 97 84
Other Assets		 268 259 499 339 838 984 850 4,979 4,945 4,873 1,299
Total Liabilities & Shareholders' Equity		 7,560 8,400 15,056 16,543 21,259 22,360 24,725 27,461 27,346 26,876 24,541
Total Liabilities		 6,483 7,249 12,971 14,297 18,270 19,383 16,914 24,192 23,919 23,347 21,122
Non-Interest Bearing Deposits		 1,280 1,492 2,665 2,672 3,741 4,482 5,325 6,017 4,801 4,461 4,330
Interest Bearing Deposits		 4,806 5,244 8,428 9,726 12,368 12,505 11,589 16,531 17,444 17,425 15,854
Federal Funds Purchased and Securities Sold		 99 115 122 96 150 299 - 160 68 37 21
Long-Term Debt		 61 60 141 354 388 383 - 366 366 366 620
Other Long-Term Liabilities		 - 0.00 157 0.16 160 155 - - - - 296
Total Equity & Noncontrolling Interests		 1,077 1,151 2,085 2,246 2,989 2,977 3,249 3,269 3,426 3,529 3,419
Total Preferred & Common Equity		 1,077 1,151 2,085 2,246 2,989 2,977 3,249 3,269 3,426 3,529 3,419
Total Common Equity		 1,046 1,151 2,085 2,246 2,988 2,976 3,249 3,269 3,426 3,529 3,419
Common Stock		 663 712 1,587 1,599 2,118 2,015 2,166 2,531 2,501 2,513 2,848
Retained Earnings		 386 454 515 675 849 901 1,093 1,256 1,330 1,377 864
Accumulated Other Comprehensive Income / (Loss)		 -2.67 -15 -17 -27 21 60 -11 -518 -404 -361 -293

Quarterly Balance Sheets for Simmons First National

This table presents Simmons First National's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 27,076 27,583 27,959 27,564 27,372 27,369 27,269 26,793 26,694 24,208 24,693
Cash and Due from Banks		 177 199 182 182 380 320 398 423 398 378 343
Interest Bearing Deposits at Other Banks		 504 325 565 424 223 254 205 211 246 266 206
Trading Account Securities		 3,938 7,526 3,580 3,358 3,028 6,571 6,350 2,492 2,405 3,332 3,181
Loans and Leases, Net of Allowance		 15,410 16,349 16,624 16,553 16,774 16,962 17,103 16,842 16,858 16,931 17,703
Loans and Leases		 15,607 16,555 16,834 16,772 17,002 17,192 17,336 17,094 17,111 17,189 17,933
Allowance for Loan and Lease Losses		 198 207 210 219 227 230 233 252 254 258 230
Premises and Equipment, Net		 550 - 562 567 576 582 584 574 573 568 558
Goodwill		 1,309 1,321 1,321 1,321 1,321 1,321 1,321 1,321 1,321 1,321 1,321
Intangible Assets		 133 125 121 117 109 105 101 94 91 88 81
Other Assets		 5,041 1,174 4,995 5,030 4,949 1,241 1,199 4,828 4,785 1,309 1,300
Total Liabilities & Shareholders' Equity		 27,076 27,583 27,959 27,564 27,372 27,369 27,269 26,793 26,694 24,208 24,693
Total Liabilities		 23,919 22,818 24,603 24,279 23,933 23,910 23,741 23,262 23,144 20,854 21,255
Non-Interest Bearing Deposits		 6,218 5,489 5,265 4,991 4,698 4,624 4,522 4,455 4,468 4,377 4,290
Interest Bearing Deposits		 15,930 16,962 17,224 17,240 17,655 17,217 17,414 17,229 17,357 15,461 15,913
Federal Funds Purchased and Securities Sold		 169 - 103 74 59 53 51 50 31 22 8.71
Long-Term Debt		 366 366 366 366 366 366 366 366 366 649 762
Other Long-Term Liabilities		 - - - - - - - - - - 281
Total Equity & Noncontrolling Interests		 3,157 3,340 3,356 3,286 3,439 3,459 3,529 3,531 3,549 3,354 3,438
Total Preferred & Common Equity		 3,157 3,340 3,356 3,286 3,439 3,459 3,529 3,531 3,549 3,354 3,438
Total Common Equity		 3,157 3,340 3,356 3,286 3,439 3,459 3,529 3,531 3,549 3,354 3,438
Common Stock		 2,528 2,535 2,518 2,499 2,505 2,508 2,510 2,517 2,520 2,850 2,850
Retained Earnings		 1,196 1,276 1,309 1,331 1,342 1,357 1,355 1,383 1,411 817 902
Accumulated Other Comprehensive Income / (Loss)		 -568 -471 -470 -544 -408 -405 -336 -368 -381 -313 -314

Annual Metrics And Ratios for Simmons First National

This table displays calculated financial ratios and metrics derived from Simmons First National's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.32 $1.58 $1.34 $2.34 $2.42 $2.32 $2.47 $2.07 $1.39 $1.22 ($2.96)
Adjusted Weighted Average Basic Shares Outstanding		 60.73M 62.70M 92.20M 92.52M 113.28M 108.09M 112.37M 127.15M 125.33M 125.81M 144.87M
Adjusted Diluted Earnings per Share		 $1.32 $1.57 $1.33 $2.32 $2.41 $2.31 $2.46 $2.06 $1.38 $1.21 ($2.95)
Adjusted Weighted Average Diluted Shares Outstanding		 60.73M 62.70M 92.20M 92.52M 113.28M 108.09M 112.37M 127.15M 125.33M 125.81M 144.87M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 60.73M 62.70M 92.20M 92.52M 113.28M 108.09M 112.37M 127.15M 125.33M 125.81M 144.87M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Simmons First National

This table displays calculated financial ratios and metrics derived from Simmons First National's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 144,867,846.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 144,867,846.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.47
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -17.07% -25.27% -12.78% -5.29% -10.89% 17.40% 7.43% 8.61% -425.74% - 15.17%
EBITDA Growth		 -28.60% -64.57% -13.15% -25.78% -43.19% 92.56% -13.12% 24.22% -1,818.78% - 83.23%
EBIT Growth		 -42.10% -79.56% -19.96% -31.70% -54.86% 178.13% -15.12% 36.13% -2,937.24% - 125.31%
NOPAT Growth		 -41.38% -71.29% -14.74% -30.10% -47.64% 102.11% -16.68% 34.37% -2,147.16% - 111.63%
Net Income Growth		 -41.38% -71.29% -14.74% -30.10% -47.64% 102.11% -16.68% 34.37% -2,374.83% - 111.63%
EPS Growth		 -41.27% -70.31% -13.89% -30.43% -45.95% 100.00% -16.13% 34.38% -2,100.00% - 80.77%
Operating Cash Flow Growth		 -179.62% 338.11% -41.68% 42.99% 617.99% -80.30% -43.06% -9.78% 12.03% - 22.91%
Free Cash Flow Firm Growth		 -234.56% -107.25% 222.43% 88.17% 117.93% 170.11% -114.82% 2,033.91% 395.55% - 990.46%
Invested Capital Growth		 11.40% 6.01% -8.86% 1.49% -1.17% -2.61% 2.26% -12.02% -18.60% - -12.18%
Revenue Q/Q Growth		 -5.76% -9.48% 9.85% 1.08% -11.34% 19.25% 0.52% 2.20% -365.91% - -3.07%
EBITDA Q/Q Growth		 -13.76% -50.93% 71.32% 2.37% -33.99% 66.34% -22.71% 46.37% -1,013.38% - -7.64%
EBIT Q/Q Growth		 -17.48% -65.60% 131.58% 3.88% -45.45% 111.96% -29.33% 66.61% -1,236.83% - -8.46%
NOPAT Q/Q Growth		 -18.98% -49.40% 62.59% 4.87% -39.31% 95.31% -32.97% 69.12% -1,024.67% - -12.21%
Net Income Q/Q Growth		 -18.98% -49.40% 62.59% 4.87% -39.31% 95.31% -32.97% 69.12% -1,127.50% - -12.21%
EPS Q/Q Growth		 -19.57% -48.65% 63.16% 3.23% -37.50% 90.00% -31.58% 65.38% -1,030.23% - 30.56%
Operating Cash Flow Q/Q Growth		 -163.96% 1,192.43% -86.30% 49.43% 131.70% -58.44% -60.42% 136.75% 187.73% - -65.15%
Free Cash Flow Firm Q/Q Growth		 -57.11% 46.93% 300.20% -107.09% 338.16% 107.45% -142.32% 1,025.03% -38.97% - -4.18%
Invested Capital Q/Q Growth		 -1.89% -4.69% -1.84% 10.57% -4.46% -6.08% 3.06% -4.87% -11.61% - 3.99%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.13% 20.13% 31.40% 31.79% 23.67% 33.02% 25.39% 36.36% 0.00% - 40.40%
EBIT Margin		 28.79% 10.94% 23.07% 23.71% 14.59% 25.92% 18.23% 29.72% 0.00% - 35.66%
Profit (Net Income) Margin		 24.08% 13.46% 19.92% 20.67% 14.15% 23.17% 15.45% 25.57% 0.00% - 28.40%
Tax Burden Percent		 83.64% 123.02% 86.37% 87.19% 97.02% 89.40% 84.79% 86.06% 77.78% - 79.64%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 16.36% -23.02% 13.63% 12.81% 2.98% 10.60% 15.21% 13.94% 0.00% - 20.36%
Return on Invested Capital (ROIC)		 4.39% 2.34% 3.16% 3.08% 2.12% 3.82% 2.58% 4.25% 0.00% - 0.85%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.39% 2.34% 3.16% 3.08% 2.12% 3.82% 2.58% 4.25% 0.00% - 0.85%
Return on Net Nonoperating Assets (RNNOA)		 2.08% 0.90% 1.41% 1.56% 0.97% 1.35% 0.92% 1.64% 0.00% - 0.25%
Return on Equity (ROE)		 6.47% 3.24% 4.57% 4.65% 3.09% 5.17% 3.50% 5.89% 0.00% - 1.10%
Cash Return on Invested Capital (CROIC)		 -5.84% -2.06% 12.70% 1.46% 3.76% 5.89% 0.86% 16.08% 11.65% - 5.49%
Operating Return on Assets (OROA)		 0.91% 0.32% 0.65% 0.66% 0.40% 0.74% 0.53% 0.89% 0.00% - 0.19%
Return on Assets (ROA)		 0.76% 0.40% 0.56% 0.57% 0.38% 0.66% 0.45% 0.76% 0.00% - 0.15%
Return on Common Equity (ROCE)		 6.47% 3.24% 4.57% 4.65% 3.09% 5.17% 3.50% 5.89% 0.00% - 1.10%
Return on Equity Simple (ROE_SIMPLE)		 7.13% 0.00% 4.89% 4.36% 3.64% 0.00% 4.14% 4.51% -12.74% - -10.51%
Net Operating Profit after Tax (NOPAT)		 47 24 39 41 25 48 32 55 -506 - 69
NOPAT Margin		 24.08% 13.46% 19.92% 20.67% 14.15% 23.17% 15.45% 25.57% 0.00% - 28.40%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.42% - 0.00%
SG&A Expenses to Revenue		 43.07% 47.39% 46.16% 44.73% 49.76% 42.75% 44.35% 42.57% 0.00% - 38.75%
Operating Expenses to Revenue		 67.27% 83.41% 71.70% 70.66% 78.47% 67.68% 68.99% 64.71% 0.00% - 58.28%
Earnings before Interest and Taxes (EBIT)		 56 19 45 47 26 54 38 64 -724 - 86
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 73 36 61 63 41 69 53 78 -711 - 98
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.62 0.69 0.70 0.64 0.77 0.79 0.73 0.67 0.83 - 0.82
Price to Tangible Book Value (P/TBV)		 1.11 1.19 1.20 1.09 1.28 1.32 1.22 1.12 1.43 - 1.38
Price to Revenue (P/Rev)		 2.37 2.95 3.09 2.88 3.63 3.59 3.27 2.96 44.22 - 20.87
Price to Earnings (P/E)		 8.73 13.59 14.29 14.63 21.08 18.24 17.67 14.90 0.00 - 0.00
Dividend Yield		 4.87% 4.21% 4.22% 4.66% 3.85% 3.79% 4.10% 4.46% 4.42% - 4.38%
Earnings Yield		 11.45% 7.36% 7.00% 6.84% 4.74% 5.48% 5.66% 6.71% 0.00% - 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.65 0.65 0.65 0.71 0.69 0.67 0.60 0.70 - 0.72
Enterprise Value to Revenue (EV/Rev)		 3.65 3.85 3.91 4.37 4.72 4.14 4.05 3.40 44.60 - 22.45
Enterprise Value to EBITDA (EV/EBITDA)		 9.60 11.77 11.95 14.38 17.47 13.70 14.15 11.37 0.00 - 0.00
Enterprise Value to EBIT (EV/EBIT)		 11.42 15.47 16.05 19.94 25.70 18.73 19.45 15.13 0.00 - 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 13.46 17.73 18.06 22.18 27.39 21.02 21.88 17.13 0.00 - 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.58 5.74 6.08 6.36 4.60 7.54 7.98 6.99 6.71 - 6.63
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 4.88 44.56 18.80 11.58 78.60 3.51 5.36 - 12.29
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.52 0.39 0.36 0.50 0.40 0.32 0.35 0.28 0.20 - 0.22
Long-Term Debt to Equity		 0.11 0.11 0.11 0.11 0.10 0.10 0.10 0.10 0.19 - 0.22
Financial Leverage		 0.47 0.38 0.45 0.51 0.46 0.35 0.36 0.39 0.30 - 0.29
Leverage Ratio		 8.48 8.19 8.11 8.12 8.05 7.80 7.77 7.71 7.48 - 7.39
Compound Leverage Factor		 8.48 8.19 8.11 8.12 8.05 7.80 7.77 7.71 7.48 - 7.39
Debt to Total Capital		 34.28% 28.09% 26.47% 33.12% 28.58% 23.96% 26.16% 21.99% 16.60% - 18.15%
Short-Term Debt to Total Capital		 26.96% 20.41% 18.64% 26.03% 21.17% 16.06% 18.50% 13.94% 0.47% - 0.00%
Long-Term Debt to Total Capital		 7.32% 7.68% 7.83% 7.08% 7.41% 7.89% 7.66% 8.05% 16.14% - 18.15%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 65.72% 71.91% 73.53% 66.88% 71.42% 76.04% 73.84% 78.01% 83.40% - 81.85%
Debt to EBITDA		 5.21 5.08 4.87 7.36 7.02 4.75 5.53 4.15 -1.31 - -1.77
Net Debt to EBITDA		 3.37 2.75 2.50 4.89 4.02 1.81 2.73 1.48 -0.05 - -0.50
Long-Term Debt to EBITDA		 1.11 1.39 1.44 1.57 1.82 1.56 1.62 1.52 -1.27 - -1.77
Debt to NOPAT		 7.31 7.65 7.35 11.36 11.01 7.28 8.56 6.25 -1.68 - -2.27
Net Debt to NOPAT		 4.73 4.14 3.77 7.55 6.30 2.78 4.22 2.22 -0.06 - -0.64
Long-Term Debt to NOPAT		 1.56 2.09 2.18 2.43 2.86 2.40 2.51 2.29 -1.63 - -2.27
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -464 -246 493 -35 83 173 -73 676 413 - 651
Operating Cash Flow to CapEx		 -491.15% 6,440.17% 584.83% 642.81% 1,704.46% 783.67% 323.08% 684.98% 3,349.83% - 642.97%
Free Cash Flow to Firm to Interest Expense		 -2.96 -1.47 2.89 -0.20 0.47 1.07 -0.51 4.72 3.26 - 6.22
Operating Cash Flow to Interest Expense		 -0.25 2.50 0.34 0.49 1.13 0.51 0.23 0.54 1.76 - 0.39
Operating Cash Flow Less CapEx to Interest Expense		 -0.30 2.47 0.28 0.41 1.06 0.45 0.16 0.46 1.71 - 0.33
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.00 - 0.01
Fixed Asset Turnover		 1.55 1.44 0.00 1.34 1.29 1.34 1.37 1.40 0.11 - 0.24
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 5,000 4,765 4,677 5,171 4,941 4,641 4,783 4,550 4,022 - 4,200
Invested Capital Turnover		 0.18 0.17 0.16 0.15 0.15 0.16 0.17 0.17 0.01 - 0.03
Increase / (Decrease) in Invested Capital		 512 270 -454 76 -59 -124 106 -622 -919 - -582
Enterprise Value (EV)		 3,156 3,103 3,040 3,344 3,513 3,209 3,200 2,744 2,798 - 3,032
Market Capitalization		 2,048 2,379 2,405 2,206 2,704 2,785 2,583 2,388 2,774 - 2,818
Book Value per Share		 $26.02 $27.38 $27.41 $27.56 $28.11 $28.10 $28.07 $28.18 $23.18 - $23.73
Tangible Book Value per Share		 $14.64 $15.92 $16.01 $16.20 $16.78 $16.81 $16.83 $16.97 $13.45 - $14.05
Total Capital		 5,000 4,765 4,677 5,171 4,941 4,641 4,783 4,550 4,022 - 4,200
Total Debt		 1,714 1,339 1,238 1,713 1,412 1,112 1,251 1,001 668 - 762
Total Long-Term Debt		 366 366 366 366 366 366 366 366 649 - 762
Net Debt		 1,108 724 635 1,138 809 424 617 356 24 - 214
Capital Expenditures (CapEx)		 7.84 6.53 9.85 13 12 11 10 11 6.67 - 6.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 56 - 0.00
Net Nonoperating Obligations (NNO)		 1,714 1,339 1,238 1,713 1,412 1,112 1,251 1,001 668 - 762
Total Depreciation and Amortization (D&A)		 16 16 16 16 16 15 15 14 12 - 11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.38 $0.19 $0.31 $0.32 $0.20 $0.39 $0.26 $0.43 ($4.01) $0.36 $0.47
Adjusted Weighted Average Basic Shares Outstanding		 125.17M 125.33M 125.48M 125.55M 125.57M 125.81M 125.95M 144.70M 144.72M 144.87M 145.06M
Adjusted Diluted Earnings per Share		 $0.37 $0.19 $0.31 $0.32 $0.20 $0.38 $0.26 $0.43 ($4.00) $0.36 $0.47
Adjusted Weighted Average Diluted Shares Outstanding		 125.17M 125.33M 125.48M 125.55M 125.57M 125.81M 125.95M 144.70M 144.72M 144.87M 145.06M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 125.17M 125.33M 125.48M 125.55M 125.57M 125.81M 125.95M 144.70M 144.72M 144.87M 145.06M
Normalized Net Operating Profit after Tax (NOPAT)		 47 14 39 41 25 48 32 55 -506 - 69
Normalized NOPAT Margin		 24.08% 7.66% 19.92% 20.67% 14.15% 23.17% 15.45% 25.57% 0.00% - 28.40%
Pre Tax Income Margin		 28.79% 10.94% 23.07% 23.71% 14.59% 25.92% 18.23% 29.72% 0.00% - 35.66%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.36 0.12 0.26 0.27 0.14 0.34 0.26 0.44 -5.71 - 0.82
NOPAT to Interest Expense		 0.30 0.14 0.23 0.23 0.14 0.30 0.22 0.38 -4.00 - 0.66
EBIT Less CapEx to Interest Expense		 0.31 0.08 0.21 0.19 0.08 0.27 0.19 0.37 -5.76 - 0.76
NOPAT Less CapEx to Interest Expense		 0.25 0.10 0.17 0.16 0.07 0.23 0.15 0.30 -4.05 - 0.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 42.69% 57.67% 60.50% 68.19% 81.14% 69.05% 72.40% 66.34% -25.90% - -33.06%
Augmented Payout Ratio		 59.75% 80.71% 60.50% 81.65% 81.39% 69.05% 72.40% 66.34% -25.90% - -33.06%

Financials Breakdown Chart

Key Financial Trends

Simmons First National (SFNC) posted a mixed picture in 2025, with a notable Q4 rebound after a weaker Q3. The bank showed solid quarterly cash generation and financing activity in Q4, but experienced a mid-year earnings drop and sizable financing outflows. Here are the most notable points drawn from the quarterly statements across the last four years.

  • Q4 2025 net income: $78,078,000, a positive quarterly result after Q3's loss.
  • Q4 2025 total revenue: $249,004,000, indicating meaningful top-line contribution in the quarter.
  • Q4 2025 net cash from continuing operating activities: $115,664,000, showing solid operating cash generation.
  • Q4 2025 net cash from financing activities: $267,202,000, supported by debt activity and deposits growth.
  • Q4 2025 net change in cash & equivalents: $68,296,000, contributing to improved liquidity for the quarter.
  • Q3 2025 total assets: ~ $24.21 billion, a decline from mid-2024/early-2025 levels, suggesting portfolio adjustments.
  • Q3 2025 loans and leases, net of allowance: ~ $16.93 billion, reflecting a sizable loan portfolio with ongoing credit considerations.
  • Q4 2025 provision for credit losses: $15.12 million, a modest credit-cost level for the period.
  • Q3 2025 net income: -$562,792,000, a large quarterly loss that weighed on year-to-date results.
  • Q3 2025 net cash from continuing financing activities: -$2,031,296,000, indicating substantial financing outflows that compressed cash flow.
05/14/26 08:08 AM ETAI Generated. May Contain Errors.

Simmons First National Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Simmons First National's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Simmons First National's net income appears to be on a downward trend, with a most recent value of -$397.55 million in 2025, falling from $74.36 million in 2015. The previous period was $152.69 million in 2024. Find out what analysts predict for Simmons First National in the coming months.

Over the last 10 years, Simmons First National's total revenue changed from $373.26 million in 2015 to $103.23 million in 2025, a change of -72.3%.

Simmons First National's total liabilities were at $21.12 billion at the end of 2025, a 9.5% decrease from 2024, and a 225.8% increase since 2015.

In the past 10 years, Simmons First National's cash and equivalents has ranged from $111.76 million in 2015 to $429.81 million in 2024, and is currently $380.54 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:SFNC last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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