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

Simmons First Q4 net income rises to $78.1 million, diluted EPS $0.54

Positive Impact 3 of 5 earnings Written later

Simmons First National Corp reported fourth-quarter 2025 net income of $78.1 million and diluted EPS of $0.54, up from $48.3 million and $0.38 in the fourth quarter of 2024. The quarter followed a third-quarter net loss of $562.8 million tied to a balance sheet repositioning, so the results reflect a recovery from that loss. The filing gives no guidance for 2026.

Key points

  • Diluted EPS of $0.54 compared with $(4.00) in the third quarter of 2025 and $0.38 in the fourth quarter of 2024
  • Adjusted diluted EPS of $0.54, compared with $0.46 in the third quarter of 2025 and $0.39 in the fourth quarter of 2024
  • Net interest margin rose 31 basis points to 3.81 percent; total revenue was $249.0 million
  • Nonperforming loan ratio fell to 0.64 percent from 0.90 percent; $175 million remained under the 2024 buyback program at December 31, 2025

The filing

CompanySimmons First National (SFNC)
Form8-K, current report
Filed with the SECJan 20, 2026, 4:31 PM ET
Accession number0001193125-26-016672

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

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:39 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 January 20, 2026.

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.