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

Simmons First Q3 net income falls to $47.1 million; adjusted EPS rises to $0.54

Mixed Impact 3 of 5 earnings Written later

Simmons First National Corporation reported third quarter 2026 net income of $47.1 million, or $0.32 diluted EPS, down from $66.7 million and $0.46 in the second quarter of 2026, while total revenue rose to $251.2 million from $248.6 million. Adjusted diluted EPS rose to $0.54 from $0.50, excluding $43.2 million in pre-tax items such as branch rightsizing, severance and certain professional services costs. For shareholders, GAAP earnings declined while adjusted earnings and net interest margin improved, and management plans to outline future financial targets at an Investor Day in December.

Key points

  • Net income $47.1 million in 3Q26 vs $66.7 million in 2Q26; diluted EPS $0.32 vs $0.46
  • Adjusted diluted EPS $0.54 vs $0.50 in 2Q26; certain items totaled $43.2 million pre-tax
  • Net interest margin rose 8 basis points to 3.92%; total deposits fell to $18.6 billion from $19.7 billion
  • Nonperforming loans rose to $179.9 million from $166.1 million; about $161 million remains under the 2026 buyback program, with no repurchases in the quarter

The filing

CompanySimmons First National (SFNC)
Form8-K, current report
Filed with the SECOct 15, 2026, 4:30 PM ET
Accession number0001193125-26-422936

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 15, 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.