---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-009576"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T22:50:20.393045+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-25-009576
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2025-01-21T23:59:59+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/90498/000119312525009576/0001193125-25-009576-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312525009576/d924359d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-009576
- JSON: https://secwatch.observer/filing/0001193125-25-009576.json
- Plain text: https://secwatch.observer/filing/0001193125-25-009576.txt

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