---
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"
generated_at: "2026-10-15T20:32:12.686123+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-422936
- JSON: https://secwatch.observer/filing/0001193125-26-422936.json
- Plain text: https://secwatch.observer/filing/0001193125-26-422936.txt

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