---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-23-000413"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:21:43.346633+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Simmons First National posts record Q4 net income of $83.3M; EPS $0.65, dividend raised 5%

## Summary
- Q4 net income $83.3M ($0.65 diluted EPS); adjusted EPS $0.64. Full-year 2022 net income $256.4M.
- Record full-year revenue $887.4M, up 13% YoY; pre-provision net revenue $320.9M, up 13%.
- Loans grew 3% QoQ to $16.1B; deposits up 2% to $22.5B. Credit quality remains low: NPL ratio 0.37%, net charge-offs 0.13% in Q4.
- Board approved 5% dividend increase for Q1 2023, marking 114th consecutive year of dividends.
- Regulatory capital ratios exceed well-capitalized levels; CET1 ratio 11.90%, total risk-based capital 14.22%.

## SEC filing metadata
- accession: 0001171843-23-000413
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/90498/000117184323000413/0001171843-23-000413-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000117184323000413/f8k_012423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-23-000413
- JSON: https://secwatch.observer/filing/0001171843-23-000413.json
- Plain text: https://secwatch.observer/filing/0001171843-23-000413.txt

## Key facts
- Earnings Releases
  SIMMONS FIRST NATIONAL CORP reported the fourth quarter of 2022 results: revenue $237.7 million, net income $83.3 million, EPS $0.65.
  - Period: the fourth quarter of 2022
  - Revenue: $237.7 million
  - Net income: $83.3 million
  - EPS: $0.65
  - Result: reported results
  source text: in connection with acquisitions and other items, and their corresponding impact on quarterly and annual results. Total revenue for the fourth quarter of 2022 was $237.7 million, compared to $236.6 million in the third quarter for 2022 and $199.7 million in the fourth quarter of 2021. Pre-provision net revenue totaled $95.2 million, compared to $97.7
  evidence_url: https://www.sec.gov/Archives/edgar/data/90498/000117184323000413/0001171843-23-000413-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.