Simmons First Q3 net income $47.1M; adjusted EPS $0.54, NIM up 8 bps to 3.92%

SIMMONS FIRST NATIONAL CORP

Net income $47.1M vs $66.7M in 2Q26 and a $562.8M net loss in 3Q25; diluted EPS $0.32 vs $0.46 linked quarter and $(4.00) a year ago.
Adjusted net income $79.0M, adjusted diluted EPS $0.54 vs $0.50 in 2Q26 and $0.46 in 3Q25; adjusted ROTCE 15.50% and adjusted ROAA 1.29%.
Revenue $251.2M; NIM up 8 bps to 3.92%, loan yields up 5 bps, cost of deposits down 8 bps to 1.85%; efficiency ratio 71.59%.
Total loans fell $597M to $17,465M and deposits fell $1,112M to $18,616M; NCO ratio 0.27%, ACL to loans 1.37%.
Plan includes closing 26 branches Dec 4, 2026 and cutting 197 FTEs plus 65 open positions; $43.1M one-time charges expected to add $37M-$42M annual PPNR.

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