secwatch.observer — SEC 8-K summary
======================================

Issuer:     SIMMONS FIRST NATIONAL CORP (SFNC)
CIK:        0000090498
Form:       8-K
Filed at:   2026-10-15T20:30:31+00:00
Accession:  0001193125-26-422936
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/90498/000119312526422936/0001193125-26-422936-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/90498/000119312526422936/d439916d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-422936

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer