{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-422936","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2026-10-15T20:30:31+00:00","discovered_at":"2026-10-15T20:32:00.291549+00:00","generated_at":"2026-10-15T20:32:12.686123+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Simmons First Q3 net income $47.1M; adjusted EPS $0.54, NIM up 8 bps to 3.92%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-422936","json":"https://secwatch.observer/filing/0001193125-26-422936.json","markdown":"https://secwatch.observer/filing/0001193125-26-422936.md","text":"https://secwatch.observer/filing/0001193125-26-422936.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312526422936/0001193125-26-422936-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312526422936/d439916d8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T20:32:12.686123+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}