---
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"
generated_at: "2026-05-17T03:39:18.427472+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# Simmons reports Q3 net loss of $562.8M after balance sheet repositioning; adjusted EPS $0.46

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-241469
- JSON: https://secwatch.observer/filing/0001193125-25-241469.json
- Plain text: https://secwatch.observer/filing/0001193125-25-241469.txt

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