Simmons First National Q4 net income $48.3M, EPS $0.38; NIM up 13 bps to 2.87%

SIMMONS FIRST NATIONAL CORP

2024-FY EPS reported $1.21

Diluted EPS $0.38 (adjusted $0.39) vs $0.20 Q3 and $0.19 Q4 2023; net income $48.3M.
Net interest margin improved 13 bps to 2.87% QoQ; cost of deposits down 19 bps to 2.60%.
Provision for credit losses on loans exceeded net charge-offs by $1.8M; NCO ratio 0.27%.
Tangible common equity ratio up 14 bps to 8.29%; total revenue $208.5M.
Book value per share up 3% YoY; tangible book value per share up 6% YoY.

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