---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-239249"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2024-10-18T23:59:59+00:00"
generated_at: "2026-05-30T12:58:32.295344+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Simmons Q3 adjusted EPS $0.37 vs $0.33 Q2; net income $24.7M; sells $252M low-yield securities

## Summary
- GAAP net income $24.7M ($0.20 diluted EPS), down from $40.8M in Q2; adjusted net income $46.0M ($0.37) up from $41.9M.
- Sold $252M of AFS securities yielding 1.29%, incurring $21.0M after-tax loss; proceeds used to pay down FHLB advances.
- Net interest margin improved 5 bps to 2.74%; cost of deposits stable at 2.79% and appear to have peaked.
- Credit quality steady: NCO ratio 0.22% (9 bps from run-off), ACL ratio 1.35%, nonperforming loan ratio 0.59%.
- TCE ratio up 31 bps to 8.15%; tangible book value per share up 4% to $16.78.

## SEC filing metadata
- accession: 0001193125-24-239249
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2024-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/90498/000119312524239249/0001193125-24-239249-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312524239249/d877997d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-239249
- JSON: https://secwatch.observer/filing/0001193125-24-239249.json
- Plain text: https://secwatch.observer/filing/0001193125-24-239249.txt

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