NASDAQ : SFNC
Simmons First National Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 23.17 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 3.35B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 1.09B | 1.06B | 1.08B | 989.75M | 698.03M | 556.57M |
| Interest Income on Investments | 136.87M | 179.81M | 228.24M | 220.41M | 163.70M | 114.49M |
| Total Interest Income | 1.23B | 1.24B | 1.31B | 1.21B | 861.74M | 671.06M |
| Interest Paid on Deposits | 385.09M | 475.91M | 600.24M | 472.92M | 99.05M | 41.17M |
| Interest Paid on Borrowings | 41.91M | 48.70M | 83.36M | 87.12M | 45.37M | 38.36M |
| Total Interest Expense | 427.00M | 524.61M | 683.60M | 560.03M | 144.42M | 79.53M |
| Net Interest Income | 799.07M | 719.20M | 628.47M | 650.13M | 717.32M | 591.53M |
| Trust Income | 42.55M | 39.40M | 36.34M | 32.73M | 31.89M | 31.17M |
| Mortgage Banking Activities | 7.75M | 8.19M | 8.08M | 7.73M | 10.52M | 21.80M |
| Gain (Loss) on Sale of Assets | 5.32M | |||||
| Gain (Loss) on Sale of Investments | -801.49M | -28.39M | -20.61M | -278.00K | 15.50M | |
| Other Non-Interest Income | 89.47M | 87.00M | 81.25M | 81.18M | 77.48M | 74.43M |
| Total Non-Interest Income | 191.03M | -615.97M | 147.17M | 151.57M | 166.15M | 191.45M |
| Revenues Before Loan Losses | 990.10M | 103.23M | 775.64M | 801.69M | 883.46M | 782.98M |
| Provision for Loan Losses | 59.34M | 65.82M | 46.78M | 42.03M | 14.07M | -32.70M |
| Revenue | 930.76M | 37.41M | 728.85M | 759.66M | 869.39M | 815.68M |
| Salaries and Employee Benefits | 287.34M | 287.10M | 272.83M | 273.93M | 265.47M | 230.47M |
| Occupancy Expenses | 50.28M | 48.24M | 48.21M | 46.74M | 44.32M | 38.80M |
| Federal Deposit Insurance | 14.02M | 20.22M | 22.11M | 19.46M | 11.61M | 6.97M |
| Selling, General & Administrative | 52.52M | 60.33M | 60.71M | 56.94M | 64.85M | 57.99M |
| Other Non-Interest Expense | 181.08M | 144.89M | 148.41M | 147.69M | 147.35M | 131.87M |
| Total Non-Interest Expense | 586.91M | 561.82M | 552.97M | 545.65M | 534.60M | 468.21M |
| EBT Excluding Unusual Items | 343.85M | -524.41M | 175.89M | 214.01M | 334.79M | 347.47M |
| Legal Settlements | 4.00M | |||||
| Other Unusual Items | -1.98M | -1.83M | -10.52M | |||
| Pretax Income | 320.45M | -527.65M | 171.31M | 200.60M | 306.56M | 332.46M |
| Income Tax Expense | 60.03M | -130.10M | 18.61M | 25.55M | 50.15M | 61.31M |
| Net Income | 260.43M | -397.55M | 152.69M | 175.06M | 256.41M | 271.16M |
| Preferred Dividends & Other Adjustments | 47.00K | |||||
| Net Income to Common | 260.43M | -397.55M | 152.69M | 175.06M | 256.41M | 271.11M |
| Basic Shares Outstanding | 144.52M | 134.25M | 125.49M | 126.34M | 123.96M | 109.58M |
| Diluted Shares Outstanding | 144.52M | 134.25M | 126.12M | 126.78M | 124.47M | 110.20M |
| EPS (Basic) | 1.80 | -2.96 | 1.22 | 1.39 | 2.07 | 2.47 |
| EPS (Diluted) | 1.80 | -2.96 | 1.21 | 1.38 | 2.06 | 2.46 |
| Dividend Per Share | 0.21 | 0.85 | 0.84 | 0.80 | 0.76 | 0.72 |
| Effective Tax Rate | 18.73% | 10.87% | 12.73% | 16.36% | 18.44% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 759.62M | 711.91M | 687.38M | 614.09M | 682.12M | 1.65B |
| Investment Securities | 849.56M | 1.06B | 3.70B | 3.78B | 3.88B | 4.13B |
| Trading Asset Securities | 6.87M | 70.91M | 103.37M | 102.64M | 104.83M | 10.52M |
| Mortgage-Backed Securities | 1.89B | 2.20B | 2.46B | 3.10B | 3.73B | 4.52B |
| Total Investments | 2.75B | 3.34B | 6.27B | 6.98B | 7.72B | 8.66B |
| Gross Loans | 17.46B | 17.50B | 17.02B | 16.85B | 16.17B | 12.03B |
| Allowance for Loan Losses | -238.52M | -224.38M | -235.02M | -225.23M | -196.96M | -205.33M |
| Other Adjustments to Gross Loans | -5.40M | -9.60M | -6.50M | -26.40M | -21.50M | |
| Net Loans | 17.23B | 17.27B | 16.77B | 16.62B | 15.95B | 11.81B |
| Property, Plant & Equipment | 542.16M | 561.22M | 585.43M | 570.68M | 548.74M | 483.47M |
| Goodwill | 1.32B | 1.32B | 1.32B | 1.32B | 1.32B | 1.15B |
| Other Intangible Assets | 75.13M | 84.42M | 97.24M | 112.64M | 128.95M | 106.23M |
| Loans Held for Sale | 12.92M | 17.44M | 11.42M | 9.37M | 3.49M | 36.46M |
| Accrued Interest Receivable | 110.00M | 104.06M | 123.24M | 122.43M | 102.89M | 72.99M |
| Other Real Estate Owned & Foreclosed | 7.14M | 12.33M | 10.47M | 5.80M | 3.53M | 7.70M |
| Other Long-Term Assets | 1.27B | 1.12B | 999.62M | 988.23M | 1.01B | 758.91M |
| Total Assets | 24.07B | 24.54B | 26.88B | 27.35B | 27.46B | 24.72B |
| Interest Bearing Deposits | 14.33B | 14.35B | 15.88B | 15.71B | 15.45B | 13.26B |
| Institutional Deposits | 1.50B | 1.55B | 1.73B | 1.08B | 784.90M | |
| Non-Interest Bearing Deposits | 4.29B | 4.33B | 4.46B | 4.80B | 6.02B | 5.33B |
| Total Deposits | 18.62B | 20.18B | 21.89B | 22.24B | 22.55B | 19.37B |
| Short-Term Borrowings | 99.44M | 309.72M | 762.11M | 1.02B | 160.40M | 185.40M |
| Current Portion of Leases | 11.63M | |||||
| Accrued Interest Payable | 341.45M | 34.68M | 67.11M | 198.94M | 16.40M | 6.76M |
| Long-Term Debt | 1.67B | 333.37M | 383.72M | 385.29M | 386.80M | 360.27M |
| Federal Home Loan Bank Debt, Long-Term | 1.60M | 2.94M | 3.22M | 838.49M | 1.31B | |
| Long-Term Leases | 41.58M | 69.32M | 68.79M | 47.85M | 49.32M | |
| Trust Preferred Securities | 55.69M | |||||
| Other Long-Term Liabilities | 205.02M | 176.22M | 193.67M | 145.78M | ||
| Total Liabilities | 20.72B | 21.12B | 23.35B | 23.92B | 24.19B | 21.48B |
| Common Stock | 1.45M | 1.45M | 1.26M | 1.25M | 1.27M | 1.13M |
| Additional Paid-In Capital | 2.84B | 2.85B | 2.51B | 2.50B | 2.53B | 2.16B |
| Retained Earnings | 953.35M | 864.34M | 1.38B | 1.33B | 1.26B | 1.09B |
| Comprehensive Income & Other | -444.94M | -293.13M | -360.91M | -404.38M | -517.56M | -10.54M |
| Total Common Equity | 3.35B | 3.42B | 3.53B | 3.43B | 3.27B | 3.25B |
| Shareholders' Equity | 3.35B | 3.42B | 3.53B | 3.43B | 3.27B | 3.25B |
| Total Liabilities & Equity | 24.07B | 24.54B | 26.88B | 27.35B | 27.46B | 24.72B |
| Total Debt | 1.77B | 697.90M | 1.22B | 1.48B | 1.43B | 1.96B |
| Net Cash (Debt) | -1.00B | 85.03M | -427.25M | -758.43M | -645.79M | -293.77M |
| Net Cash Per Share | -6.92 | 0.63 | -3.39 | -5.98 | -5.19 | -2.67 |
| Filing Date Shares Outstanding | 144.52M | 144.87M | 125.81M | 125.33M | 127.15M | 112.37M |
| Total Common Shares Outstanding | 144.52M | 144.76M | 125.65M | 125.18M | 127.05M | 112.72M |
| Book Value Per Share | 23.18 | 23.62 | 28.08 | 27.37 | 25.73 | 28.82 |
| Tangible Book Value | 1.95B | 2.01B | 2.11B | 1.99B | 1.82B | 2.00B |
| Tangible Book Value Per Share | 13.52 | 13.91 | 16.80 | 15.92 | 14.33 | 17.71 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -397.55M | 152.69M | 175.06M | 256.41M | 271.16M | |
| Depreciation & Amortization | 40.80M | 46.12M | 47.88M | 48.96M | 47.22M | |
| Gain (Loss) on Sale of Assets | 123.00K | -928.00K | -182.00K | -390.00K | -6.84M | |
| Gain (Loss) on Sale of Investments | 813.38M | 45.00M | 35.59M | -38.75M | -68.28M | |
| Provision for Credit Losses | 65.82M | 46.78M | 42.03M | 14.07M | -32.70M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 2.21M | 6.26M | 2.09M | 49.57M | 156.18M | |
| Change in Trading Asset Securities | -11.69M | |||||
| Accrued Interest Receivable | 19.18M | -813.00K | -19.54M | -22.11M | 4.42M | |
| Change in Income Taxes | -5.99M | -8.23M | 9.00M | 8.45M | 8.59M | |
| Change in Other Net Operating Assets | 90.54M | 101.29M | 263.97M | -7.21M | -33.49M | |
| Other Operating Activities | -171.89M | -18.66M | -15.21M | 4.45M | 2.72M | |
| Operating Cash Flow | 449.50M | 425.92M | 540.98M | 322.20M | 277.78M | |
| Capital Expenditures | -38.14M | -45.51M | -33.09M | -35.27M | -182.03M | |
| Sale of Property, Plant and Equipment | 5.62M | |||||
| Cash Acquisitions | 276.40M | 25.43M | ||||
| Investment in Securities | 2.14B | 626.40M | 560.75M | 632.59M | -4.61B | |
| Divestitures | 30.04M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -586.84M | -201.14M | -717.01M | -1.83B | 2.36B | |
| Other Investing Activities | 22.49M | -10.24M | 5.76M | 6.63M | -134.20M | |
| Investing Cash Flow | 1.57B | 369.51M | -183.59M | -946.23M | -2.54B | |
| Long-Term Debt Issued | 2.09B | 3.38B | 3.73B | 1.16B | ||
| Total Debt Issued | 2.09B | 3.38B | 3.73B | 1.16B | ||
| Short-Term Debt Repaid | -15.73M | -30.86M | -92.43M | -25.00M | -116.56M | |
| Long-Term Debt Repaid | -2.58B | -3.60B | -3.61B | -1.73B | -81.82M | |
| Total Debt Repaid | -2.59B | -3.63B | -3.70B | -1.76B | -198.38M | |
| Net Debt Issued (Repaid) | -504.79M | -257.85M | 20.64M | -597.91M | -198.38M | |
| Issuance of Common Stock | 327.94M | 970.00K | 833.00K | 1.15M | 1.46M | |
| Repurchase of Common Stock | -3.52M | -595.00K | -43.18M | -116.17M | -132.46M | |
| Preferred Share Repurchases | -767.00K | |||||
| Common Dividends Paid | -115.04M | -105.44M | -100.96M | -94.10M | -78.84M | |
| Preferred Dividends Paid | -47.00K | |||||
| Total Dividends Paid | -115.04M | -105.44M | -100.96M | -94.10M | -78.89M | |
| Net Increase (Decrease) in Deposit Accounts | -1.70B | -359.23M | -302.75M | 462.53M | 847.49M | |
| Financing Cash Flow | -2.00B | -722.15M | -425.42M | -344.50M | 438.46M | |
| Net Cash Flow | 24.54M | 73.28M | -68.03M | -968.53M | -1.82B | |
| Free Cash Flow | 411.36M | 380.42M | 507.89M | 286.93M | 95.75M | |
| Free Cash Flow Margin | 1,099.63% | 52.19% | 66.86% | 33.00% | 11.74% | |
| Free Cash Flow Per Share | 3.06 | 3.02 | 4.01 | 2.31 | 0.87 | |
| Cash Interest Paid | 557.04M | 652.11M | 540.82M | 134.98M | 82.91M | |
| Cash Income Tax Paid | 19.32M | 9.98M | 20.95M | 25.08M | 55.20M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 3.35B | 2.73B | 2.79B | 2.48B | 2.74B | 3.40B |
| Last Close Price | 23.17 | 18.29 | 20.61 | 17.66 | 18.39 | 24.39 |
| PE Ratio | 12.87 | 18.24 | 14.19 | 10.69 | 12.53 | |
| PS Ratio | 3.60 | 72.92 | 3.82 | 3.27 | 3.15 | 4.16 |
| PB Ratio | 1.00 | 0.80 | 0.79 | 0.72 | 0.84 | 1.04 |
| P/FCF Ratio | 6.95 | 6.63 | 7.32 | 4.89 | 9.55 | 35.47 |
| P/OCF Ratio | 6.39 | 6.07 | 6.54 | 4.59 | 8.50 | 12.23 |
| Debt / Equity Ratio | 0.53 | 0.20 | 0.34 | 0.43 | 0.44 | 0.60 |
| Debt / FCF Ratio | 1.70 | 3.20 | 2.90 | 5.00 | 20.44 | |
| Net Debt / Equity Ratio | 0.30 | -0.03 | 0.12 | 0.22 | 0.20 | 0.09 |
| Net Debt / FCF Ratio | -0.21 | 1.12 | 1.49 | 2.25 | 3.07 | |
| Return on Equity (ROE) | 7.77% | -11.44% | 4.39% | 5.23% | 7.87% | 8.71% |
| Return on Assets (ROA) | 1.08% | -1.55% | 0.56% | 0.64% | 0.98% | 1.15% |
| Earnings Yield | 7.77% | -14.57% | 5.48% | 7.05% | 9.36% | 7.98% |
| FCF Yield | 14.39% | 15.08% | 13.66% | 20.45% | 10.47% | 2.82% |
| Dividend Yield | 3.71% | 4.51% | 3.79% | 4.03% | 3.52% | 2.39% |
| Payout Ratio | 47.77% | 69.05% | 57.67% | 36.70% | 29.09% | |
| Buyback Yield / Dilution | -11.68% | -6.45% | 0.52% | -1.85% | -12.95% | -0.02% |
| Total Shareholder Return | -7.97% | -1.94% | 4.31% | 2.18% | -9.43% | 2.37% |