Simmons First National Q1 EPS $0.47; loan growth 10% annualized, NIM expands to 3.84%

SIMMONS FIRST NATIONAL CORP

2026-Q1 EPS reported $0.47 vs consensus $0.48 ▼ miss (-1.8%)

Diluted EPS $0.47, net income $68.5M; adjusted diluted EPS also $0.47.
Total loans grew 10% annualized linked quarter to $17.93B; broad-based growth across geography and industry.
Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96%.
Provision for credit losses $14.6M exceeded net charge-offs by $5.5M; NCO ratio 21 bps; ACL steady at 1.28%.
Adjusted PPNR rose 53% YoY to $100.7M; adjusted efficiency ratio improved 859 bps YoY to 56.16%.

item 2.02 item 7.01 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

SIMMONS FIRST NATIONAL CORP reported the first quarter of 2026 results: revenue $241.4 million, net income $68.5 million, EPS $0.47.

Period: the first quarter of 2026
Revenue: $241.4 million
Net income: $68.5 million
EPS: $0.47
Result: reported results

Exact text from the filing

net income 1 of $68.6 million and adjusted diluted EPS 1 of $0.47 • ROAA of 1.13% and ROE of 8.01% • Adjusted ROAA 1 of 1.13%; adjusted ROTCE 1 of 13.91% • Total revenue of $241.4 million and PPNR 1 of $100.7 million • Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96% • Efficiency ratio of 57.56%; adjusted efficiency ratio 1 of 56.16% •

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Source: SEC EDGAR

accession 0001193125-26-159123

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