---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-159123"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2026-04-16T23:59:59+00:00"
generated_at: "2026-05-15T05:58:42.360240+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001193125-26-159123
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2026-04-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/0001193125-26-159123-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/d102541d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-159123
- JSON: https://secwatch.observer/filing/0001193125-26-159123.json
- Plain text: https://secwatch.observer/filing/0001193125-26-159123.txt

## Key facts
- Earnings Releases
  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
  source text: 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% •
  evidence_url: https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/0001193125-26-159123-index.htm

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