---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-23-004624"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2023-07-25T23:59:59+00:00"
generated_at: "2026-06-13T03:48:59.069933+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Simmons First National Q2 net income $58.3M, EPS $0.46; adjusted EPS $0.48

## Summary
- Net income $58.3M ($0.46 diluted EPS); adjusted earnings $61.1M ($0.48 adjusted EPS).
- Total loans $16.8B (+2% QoQ); deposits $22.5B flat; net charge-offs 0.04%.
- Better Bank Initiative early retirement completed, $5.1M annual savings; on track for $15M total.
- Noninterest expense $139.7M (-2% QoQ); adjusted pre-provision net revenue $72.6M.
- Repurchased 1.1M shares; tangible book value per share $15.17 (+8% YoY).

## SEC filing metadata
- accession: 0001171843-23-004624
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2023-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/90498/000117184323004624/0001171843-23-004624-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000117184323004624/f8k_072523.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-23-004624
- JSON: https://secwatch.observer/filing/0001171843-23-004624.json
- Plain text: https://secwatch.observer/filing/0001171843-23-004624.txt

## Key facts
- Earnings Releases
  SIMMONS FIRST NATIONAL CORP reported second quarter of 2023 results: revenue $208.2, net income $58.3 million, EPS $0.46.
  - Period: second quarter of 2023
  - Revenue: $208.2
  - Net income: $58.3 million
  - EPS: $0.46
  - Result: reported results
  source text: $ 4,817 $ 5,268 $6,516 Additional liquidity sources $11,096 $10,780 $7,808 Coverage ratio of uninsured deposits 2.3x 2.0x 1.2x Performance Measures (in millions) Total revenue $208.2 $223.7 $225.3 Pre-provision net revenue 1 68.9 80.4 68.6 Adjusted pre-provision net revenue 1 72.6 82.8 89.9 Provision for credit losses on loans 0.1 10.9 33.9 Provision for
  evidence_url: https://www.sec.gov/Archives/edgar/data/90498/000117184323004624/0001171843-23-004624-index.htm

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