Simmons First National Q4 EPS $0.54; NIM expands 31 bps to 3.81%

SIMMONS FIRST NATIONAL CORP

2025-FY EPS reported -$2.95 vs consensus $0.49 ▼ miss (-703.8%)

Net income $78.1M ($0.54 diluted EPS); adjusted EPS also $0.54; total revenue $249.0M.
Net interest margin (FTE) 3.81%, up 31 bps QoQ; cost of deposits down 21 bps to 2.04%.
Total loans $17.49B (+7% annualized); total deposits $20.18B (+7% annualized); customer deposits +8% annualized.
NCO ratio 1.12% from charge-offs of two previously disclosed credits and run-off portfolio sale; NPL ratio 0.64% (down 26 bps).
Adjusted ROAA 1.29%, adjusted ROTCE 16.10%; CET1 ratio 11.63%, TCE ratio 8.71%.

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