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AI brief of an SEC Form 8-K · Simmons First National (SFNC)

Simmons First reports $562.8 million Q3 net loss on $801.5 million securities sale

Mixed Impact 4 of 5 earnings Written later

Simmons First National Corporation reported a third-quarter 2025 net loss of $562.8 million, or $4.00 per diluted share, compared with net income of $54.8 million in the second quarter. The loss mainly reflects an $801.5 million pre-tax loss on the sale of about $2.4 billion of low-yielding securities, part of a balance sheet repositioning funded by a roughly $327 million equity offering. Adjusted diluted EPS rose to $0.46 from $0.44 in the second quarter, but the GAAP loss sharply reduced shareholders' equity and book value per share.

Key points

  • Q3 2025 net loss of $562.8 million, or $(4.00) per diluted share, versus net income of $54.8 million in Q2 2025
  • Adjusted diluted EPS of $0.46 in Q3 2025, compared with $0.44 in Q2 2025 and $0.37 in Q3 2024
  • Book value per share fell to $23.18 from $28.17 at the end of Q2 2025, due to the loss on the sale of investment securities
  • Net interest margin rose 44 basis points to 3.50%, and the company completed a $325 million subordinated notes offering in Q3

The filing

CompanySimmons First National (SFNC)
Form8-K, current report
Filed with the SECOct 16, 2025, 4:28 PM ET
Accession number0001193125-25-241469

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:38 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 16, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.