{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-241469","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2025-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.551817+00:00","generated_at":"2026-05-17T03:39:18.427472+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Simmons reports Q3 net loss of $562.8M after balance sheet repositioning; adjusted EPS $0.46","bullets":["Net loss of $562.8M ($(4.00)/share) from $2.4B securities sale loss; adjusted net income $64.9M ($0.46 A-diluted).","Completed $327M equity offering; after-tax loss on securities sale was $626M.","NIM (FTE) expanded 44 bps to 3.50%; adjusted revenue up 9% QoQ to $232.5M.","Adjusted PPNR rose 20% QoQ to $92.8M; adjusted efficiency ratio improved 280 bps to 57.72%.","Q4 NIM guided to 3.65%+; CET1 ratio at 11.5%; TCE ratio 8.5%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-241469","json":"https://secwatch.observer/filing/0001193125-25-241469.json","markdown":"https://secwatch.observer/filing/0001193125-25-241469.md","text":"https://secwatch.observer/filing/0001193125-25-241469.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312525241469/0001193125-25-241469-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312525241469/d80131d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:39:18.427472+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}