Simmons First National Corp.

Banks - Regional • Financial Services • Pine Bluff, AR, United States • SFNC (NMS)

870 541 1000 501 Main Street, Pine Bluff, AR 71601, United States

Quarter: Q4 2025 Reported: October 16, 2025 Sentiment: Neutral

Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers checking, savings, time deposits, and corporate deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investments; treasury management, agency, and custodial services; and insurance products. It also provides ATM services; lines of credit; internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

Analysis Summary

A comprehensive analysis of SFNC's Q4 2025 earnings call cannot be performed based on the provided transcript. The document exclusively details legal boilerplate information, specifically Item 2.02 and Item 7.01, pertaining to the furnishing of Exhibit 99.1 and an investor presentation (Exhibit 99.2) under Regulation FD. There are no financial performance breakdowns, strategic initiatives, management commentary, forward guidance, competitive positioning, market trends, risk factors, or analyst Q&A highlights present in the text. Consequently, a detailed premium tier summary is not feasible.

Key Highlights

• The transcript contains only legal boilerplate and no financial or operational information.
• No Q4 2025 earnings results or performance metrics were disclosed.
• No management commentary or strategic updates were provided.
• No forward guidance or outlook was included.
• The document primarily addresses compliance with SEC filing requirements (Item 2.02, Item 7.01).

Financial Metrics

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revenue

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guidance

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Stock Performance (90 Days)

Data through Dec 26, 2025

Layoff Events

Earnings Calls

Positive Signals

• No positive signals or confidence indicators could be extracted as the transcript lacks substantive content regarding financial performance or outlook.