{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-006353","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.348484+00:00","generated_at":"2026-06-09T15:51:16.464698+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Simmons Q3 net income $47.2M ($0.37 EPS); revenue down 17% YoY; Better Bank savings achieved early","bullets":["Net income $47.2M vs $58.3M Q2 and $80.6M Q3 2022; adjusted EPS $0.39.","Total revenue $196.2M, down 6% QoQ and 17% YoY; NIM fell to 2.61% from 2.76%.","Noninterest expense down 6% QoQ; Better Bank Initiative delivered $15M annual cost savings one quarter early.","Period-end loans $16.77B (+9% YoY); deposits $22.23B (+3% YoY); ACL ratio 1.30%.","Book value per share up 6% YoY; tangible book value up 9%; repurchased 1.1M shares in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-006353","json":"https://secwatch.observer/filing/0001171843-23-006353.json","markdown":"https://secwatch.observer/filing/0001171843-23-006353.md","text":"https://secwatch.observer/filing/0001171843-23-006353.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000117184323006353/0001171843-23-006353-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000117184323006353/f8k_102323.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T15:51:16.464698+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"ac681e624bb41911f2a458a1b2d33a818b5e9fba","claim":"SIMMONS FIRST NATIONAL CORP reported the third quarter of 2023 results: net income $47.2 million, EPS $0.37.","evidence_excerpt":"Simmons reported net income of $47.2 million and diluted earnings per share of $0.37 for the third quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/90498/000117184323006353/0001171843-23-006353-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"$47.2 million"},{"label":"EPS","value":"$0.37"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}