secwatch.observer — SEC 8-K summary
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Issuer:     SIMMONS FIRST NATIONAL CORP (SFNC)
CIK:        0000090498
Form:       8-K
Filed at:   2025-10-16T23:59:59+00:00
Accession:  0001193125-25-241469
Event type: earnings
Sentiment:  neutral
Materiality: 0.90
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/90498/000119312525241469/0001193125-25-241469-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/90498/000119312525241469/d80131d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-241469

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