secwatch.observer — SEC 8-K summary
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Issuer:     SIMMONS FIRST NATIONAL CORP (SFNC)
CIK:        0000090498
Form:       8-K
Filed at:   2025-01-21T23:59:59+00:00
Accession:  0001193125-25-009576
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/90498/000119312525009576/0001193125-25-009576-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/90498/000119312525009576/d924359d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-009576

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer