Simmons First Q1 2025: EPS $0.26 vs $0.38 Q4; NIM rises to 2.95%; $4.3M fraud charge

SIMMONS FIRST NATIONAL CORP

2025-Q1 EPS reported $0.26

Net income $32.4M ($0.26 diluted EPS) vs $48.3M ($0.38) in Q4 2024 and $38.9M ($0.31) in Q1 2024.
Net interest margin 2.95%, up 8 bps linked quarter and 29 bps YoY; cost of deposits down 16 bps to 2.44%.
Noninterest expense includes $4.3M charge for customer deposit fraud event; adjusted PPNR $66.0M.
Provision for credit losses $26.8M includes $15.6M incremental specific reserves on two nonaccrual credit relationships totaling $49.8M.
Capital strong: CET1 12.21%, total RBC 14.59%; ACL ratio 1.48%, up 10 bps QoQ.

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