Earnings summaries and quarterly performance for SIMMONS FIRST NATIONAL.
Executive leadership at SIMMONS FIRST NATIONAL.
George Makris Jr
Detailed
Chairman and Chief Executive Officer
CEO
BY
Brad Yaney
Detailed
Executive Vice President of Credit Risk Management, Simmons Bank
CV
Christopher Van Steenberg
Detailed
Executive Vice President and Chief Operating Officer
DH
Daniel Hobbs
Detailed
Executive Vice President and Chief Financial Officer
DG
David Garner
Detailed
Executive Vice President and Chief Accounting Officer
GM
George Makris III
Detailed
Executive Vice President, General Counsel and Secretary
JB
Jay Brogdon
Detailed
President
JC
Jennifer Compton
Detailed
Executive Vice President and Chief People Officer
TG
Tina Groves
Detailed
Executive Vice President and Chief Risk Officer
Board of directors at SIMMONS FIRST NATIONAL.
ED
Edward Drilling
Detailed
Director
EH
Eugene Hunt
Detailed
Director
JH
Jerry Hunter
Detailed
Director
JS
Julie Stackhouse
Detailed
Director
MD
Mark Doramus
Detailed
Director
MC
Marty Casteel
Detailed
Chairman of the Board (effective January 1, 2026)
MW
Mindy West
Detailed
Director
RS
Robert Shoptaw
Detailed
Director
RT
Russell Teubner
Detailed
Director
SC
Steven Cossé
Detailed
Lead Independent Director
SL
Susan Lanigan
Detailed
Director
TP
Tom Purvis
Detailed
Director
WC
William Clark
Detailed
Director
Research analysts who have asked questions during SIMMONS FIRST NATIONAL earnings calls.
GT
Gary Tenner
D.A. Davidson & Co.
6 questions for SFNC
Also covers: ABCB, AVBH, AX +20 more
David Feaster
Raymond James
5 questions for SFNC
Also covers: ABCB, ALRS, AX +20 more
MO
Matt Olney
Stephens Inc.
4 questions for SFNC
Also covers: BFST, BOKF, BSVN +21 more
WL
Woody Lay
Keefe, Bruyette & Woods (KBW)
4 questions for SFNC
Also covers: AMTB, BKU, BMRC +15 more
WL
Wood Lay
Keefe, Bruyette & Woods
3 questions for SFNC
Also covers: AMTB, BKU, BMRC +14 more
Brian Wilczynski
Morgan Stanley
2 questions for SFNC
Also covers: AUB, UMBF
Jordan Ghent
Stephens Inc.
2 questions for SFNC
Also covers: BSVN, HTH, OZK +3 more
SS
Stephen Scouten
Piper Sandler & Co.
2 questions for SFNC
Also covers: ABCB, AMTB, AUB +24 more
AH
Ahmad Hasan
D.A. Davidson & Co.
1 question for SFNC
Also covers: CVBF, EWBC, HAFC +2 more
DH
David Hester
Raymond James
1 question for SFNC
Recent press releases and 8-K filings for SFNC.
SFNC Reports Strong Q4 2025 Results and Provides 2026 Outlook
SFNC
Earnings
Guidance Update
Revenue Acceleration/Inflection
- SFNC reported strong Q4 2025 results, with revenue up almost 20% and pre-provision net revenue up 60% year-over-year.
- Loan production in Q4 2025 was the highest in at least two years, and the company projects low to mid-single-digit loan growth for 2026.
- The Net Interest Margin (NIM) for Q4 2025 was 381 basis points, with expectations for it to remain relatively stable in Q1 2026 and potentially reach the mid-380s by Q4 2026, supported by $2-$2.5 billion in loan repricing over the next two years. The 2026 Net Interest Income (NII) guide is 9%-11%.
- A key strategic focus is organically growing low-cost deposits, particularly in the consumer and small business segments, to drive further upside.
- Expenses in 2025 were below the Q4 2022 run rate due to efficiency initiatives, with a 2026 expense guide of up 2%-3% year over year to fund investments and talent acquisition.
Jan 21, 2026, 1:30 PM
Simmons First National Corporation Reports Strong Q4 2025 Results with Increased EPS and NIM
SFNC
Earnings
Revenue Acceleration/Inflection
Capital Ratios
- Simmons First National Corporation (SFNC) reported diluted earnings per share of $0.54 for Q4 2025, with the Net Interest Margin (FTE) increasing by 31 basis points to 3.81%.
- The company achieved 7% annualized growth in both total loans and total deposits during Q4 2025, with total assets reaching $24.5 billion and total loans $17.5 billion as of December 31, 2025.
- Credit quality improved, as evidenced by the Nonperforming Loan (NPL) ratio decreasing by 26 basis points to 64 basis points in Q4 2025, and the Allowance for Credit Losses (ACL) to total loans standing at 1.28%. Net charge-offs included $28.2 million related to two previously disclosed credit relationships and $6.2 million from the sale of small ticket equipment finance loans.
- SFNC maintained a strong capital position with a Total Risk-Based Capital Ratio of 14.5% and a CET1 Capital Ratio of 11.6% as of December 31, 2025. The Tangible Common Equity (TCE) ratio was 8.71%.
Jan 21, 2026, 1:30 PM
Simmons First National Corporation Discusses Strong Q4 2025 Performance and 2026 Outlook
SFNC
Earnings
Guidance Update
New Projects/Investments
- Simmons First National Corporation (SFNC) reported strong loan growth in Q4 2025, marking the highest production level in at least a couple of years, but anticipates a more moderate low to mid-single-digit growth for 2026.
- The company's Net Interest Margin (NIM) grew by 31 basis points in Q4 2025 to 3.81%, with expectations for relative stability in Q1 2026 and potential expansion to the mid-380s by Q4 2026, supported by the repricing of over $2-$2.5 billion in loans.
- Management is strategically focused on organically growing low-cost customer deposits, particularly non-interest-bearing deposits, identifying this as the primary opportunity to exceed current guidance and fund future loan growth.
- SFNC achieved a strong Return on Tangible Common Equity (ROTC) of almost 16% and a Return on Assets (ROA) of 1.29% in Q4 2025, with a long-term target for ROTC in the mid-teens and ROA above 1.25%, despite expected seasonal expense increases and non-recurring fee income in Q1 2026.
- Asset quality is characterized as stable following the resolution of problem credits and the sale of the equipment finance business, while ongoing efficiency initiatives have resulted in 2025 expenses being below the Q4 2022 run rate.
Jan 21, 2026, 1:30 PM
Simmons First National Corporation reports strong Q4 2025 results and provides 2026 outlook
SFNC
Earnings
Guidance Update
Hiring
- Simmons First National Corporation (SFNC) reported a Net Interest Margin (NIM) of 3.81% for Q4 2025, representing a 31 basis point linked-quarter increase, with 19-20 basis points attributed to a balance sheet restructure and 11 basis points from core NIM expansion. Loan growth in Q4 2025 saw the highest production in at least two years, with an underlying annualized growth rate well in excess of 7%.
- For 2026, SFNC guides for low-to-mid single-digit loan growth and expects NIM to remain relatively stable, potentially reaching the mid-380s by Q4 2026, supported by over $2 billion-$2.5 billion in backbook loan repricing. The Net Interest Income (NII) guide for 2026 is 9%-11%.
- The company is in the "middle innings" of its efficiency initiatives, with 2025 expenses below the Q4 2022 run rate, and projects a 2%-3% year-over-year increase in expenses for 2026 due to strategic investments. A key strategic focus is organically growing low-cost customer deposits, particularly in consumer and commercial segments, as non-interest-bearing deposits are currently below peer levels.
- SFNC's Return on Tangible Common Equity (ROTC) for Q4 2025 was 16%. Capital deployment priorities include organic growth, maintaining the dividend, and opportunistic share buybacks, while the asset quality outlook remains stable following the resolution of problem credits and the sale of the Equipment Finance business.
Jan 21, 2026, 1:30 PM
Simmons First National Reports Strong Q4 and Full-Year 2025 Results
SFNC
Earnings
Management Change
Revenue Acceleration/Inflection
- Simmons First National (SFNC) reported Q4 2025 net income of $78.1 million and revenue of $249 million, exceeding analyst estimates, with full-year 2025 net income more than doubling to $397.6 million.
- The company achieved significant operational improvements, including a 31 basis point rise in net interest margin and a 408 basis point improvement in its adjusted efficiency ratio to 53.6% in Q4 2025.
- Loans grew to approximately $17.49 billion, while credit quality metrics included $28.2 million of net charge-offs from two relationships and an NPL ratio of 64 basis points.
- Jay Brogdon assumed the role of Chief Executive Officer in 2026.
Jan 21, 2026, 1:37 AM
Simmons First National Corporation Reports Strong Q4 2025 Earnings and Positive 2026 Outlook
SFNC
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Simmons First National Corporation (SFNC) reported net income of $78.1 million and diluted EPS of $0.54 for Q4 2025, a significant improvement from a net loss of $(562.8) million in Q3 2025.
- The company achieved a net interest margin (FTE) of 3.81% in Q4 2025, an increase of 31 basis points compared to Q3 2025, reflecting the full impact of balance sheet repositioning.
- Adjusted total revenue grew 7% to $249.0 million and adjusted pre-provision net revenue (PPNR) increased 19% to $110.4 million on a linked-quarter basis.
- Total loans grew 7% annualized and total deposits grew 7% annualized in Q4 2025, while the nonperforming loan (NPL) ratio decreased 26 basis points to 0.64%.
- SFNC provided a 2026 outlook expecting Net Interest Income to be up 9-11% and Total Loans and Customer Deposits to be up Low to Mid Single Digits.
Jan 20, 2026, 9:31 PM
Simmons First National Corporation Reports Fourth Quarter 2025 Results
SFNC
Earnings
Dividends
Share Buyback
- Simmons First National Corporation reported net income of $78.1 million and diluted EPS of $0.54 for the fourth quarter of 2025, compared to a net loss of $562.8 million and diluted EPS of $(4.00) in the third quarter of 2025.
- Total revenue for the fourth quarter of 2025 was $249.0 million, and the net interest margin increased by 31 basis points to 3.81% compared to the third quarter of 2025.
- Total loans and total deposits both increased by 7% annualized in the fourth quarter of 2025.
- Nonperforming loans decreased 26 basis points to 0.64% of total loans, and the Allowance for Credit Losses (ACL) ratio was 1.28% at the end of the fourth quarter of 2025.
- As of December 31, 2025, the company had approximately $175 million remaining authorization under its 2024 stock repurchase program.
Jan 20, 2026, 9:30 PM
Simmons First National Corporation Completes Transformational Q3 2025, Shifts Focus to Organic Growth and Efficiency
SFNC
Earnings
Management Change
Guidance Update
- Simmons First National Corporation (SFNC) completed a transformational third quarter of 2025, addressing structural balance sheet challenges and shifting its focus to organic growth and operational efficiency.
- The company reported a September net interest margin (NIM) of 3.76% and expects Q4 2025 NIM to be at or above 3.65%. A hedging program has been implemented to maintain NIM within the 3.50% to 3.75% range long-term.
- SFNC anticipates a significant tailwind from the repricing of almost $3 billion in fixed-rate loans, currently yielding 3.9%, over the next 24 months, starting in Q3 2025.
- The company reduced $1.4 billion of brokered deposits in Q3 2025 and aims to reduce brokered deposits to zero over the long term by growing core deposits.
- George Makris, Chairman and CEO, made his final earnings call, with Jay Brogdon taking the helm.
Oct 17, 2025, 12:30 PM
SFNC Reports Q3 2025 Financial Results
SFNC
Earnings
Debt Issuance
- SFNC reported net income of $21,147 thousand for Q3 2025, with an Adjusted Efficiency Ratio of 57.72%.
- The company maintained strong capital with a CET 1 Capital Ratio of 11.5% and a Tangible Common Equity Ratio of 8.5% as of September 30, 2025. Total assets were $24.2 billion, total deposits $19.8 billion, and total loans $17.2 billion.
- SFNC's cost of deposits decreased by 11 basis points on a linked quarter basis, reflecting a balance sheet repositioning that resulted in noninterest bearing deposits representing 22.1% and lower cost interest bearing transaction accounts 42.8% of total deposits.
- To manage interest rate risk, the company executed $1.625 billion of interest rate swaps in Q3 2025, reducing the negative impact of falling rates by approximately 50% and achieving a near neutral interest rate risk position.
Oct 17, 2025, 12:30 PM
Simmons First National Corporation Reports Transformational Q3 2025, Announces Leadership Transition and Strategic Focus
SFNC
CEO Change
Guidance Update
Revenue Acceleration/Inflection
- Simmons First National Corporation experienced a transformational third quarter of 2025, marked by a balance sheet restructuring and a strategic shift towards organic growth and operational excellence.
- Jay Brogdon has assumed the role of President, while Chairman and CEO George Macris is set to retire.
- The company reported a September Net Interest Margin (NIM) of 3.76%, with a Q4 2025 outlook of at or above 3.65%, supported by hedging actions and the repricing of nearly $3 billion in fixed-rate loans over the next 24 months.
- Brokered deposits were reduced to $1.8 billion by the end of Q3 2025, with a long-term goal to eliminate them by growing core customer deposits.
- Credit quality remained benign in Q3 2025, with the company proactively managing lower-quality loans and working towards resolving specific larger loan relationships.
Oct 17, 2025, 12:30 PM
Quarterly earnings call transcripts for SIMMONS FIRST NATIONAL.
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