Simmons First National

SFNC

Market cap $3.18B

Simmons First National Corporation (SFNC) Q1 2026 Earnings Call Transcript

The headline numbers for Simmons First National (SFNC) give insight into how the company performed in the quarter ended March 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Simmons First National (SFNC) came out with quarterly earnings of $0.47 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.26 per share a year ago.

PINE BLUFF, Ark., April 16, 2026 /PRNewswire/ -- Financial Highlights 1Q26 4Q25 1Q25 1Q26 Highlights Income Statement Summary (in millions) Comparisons reflect 1Q26 vs 4Q25unless otherwise noted   • Net income of $68.5 million and diluted EPS of $0.47 • Adjusted net income1 of $68.6 million and adjusted diluted EPS1 of $0.47 • ROAA of 1.13% and ROE of 8.01% • Adjusted ROAA1 of 1.13%; adjusted ROTCE1 of 13.91% • Total revenue of $241.4 million and PPNR1 of $100.7 million • Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96% • Efficiency ratio of 57.56%; adjusted efficiency ratio1 of 56.16% • Broad based growth drives total loans up 10% annualized • Unfunded commitments up 5% • Total average deposits up 6% annualized • Provision expense exceeded net charge-offs by $5.5 million • NCO ratio at 21 bps for 1Q26; ACL steady at 1.28% Total revenue $  241.4 $  249.0 $209.6 Adjusted total revenue1 241.4 249.0 209.6 Pre-provision net revenue1 (PPNR) 100.7 109.1 65.0 Adjusted pre-provision net revenue1 100.7 110.4 66.0 Provision for credit losses 14.6 15.1 26.8 Net income 68.5 78.1 32.4 Adjusted net income1 68.6 79.0 33.1 Per share Data Diluted earnings $    0.47 $    0.54 $  0.26 Adjusted diluted earnings1 0.47 0.54 0.26 Cash dividend declared 0.2150 0.2125 0.2125 Balance Sheet (in millions) Total loans $17,933 $17,492 $17,094 Total deposits 20,203 20,184 21,685 Total assets 24,693 24,541 26,793 Total shareholders' equity 3,438 3,419 3,531 Asset Quality Net charge-off ratio (NCO ratio) 0.21 % 1.12 % 0.23 % Allowance for credit losses to loans (ACL) 1.28 1.28 1.48 Capital Ratios Equity to assets (EA) ratio 13.92 % 13.93 % 13.18 % Tangible common equity (TCE) ratio1 8.74 8.71 8.34 Common equity tier 1 (CET1) ratio 11.58 11.63 12.21 Total risk-based capital ratio 14.36 14.45 14.59 Other Ratios Return on average assets 1.13 % 1.28 % 0.49 % Adjusted return on average assets1 1.13 1.29 0.50 Return on average common equity 8.01 9.08 3.69 Return on average tangible common equity1 13.90 15.92 6.61 Adj.

Evaluate the expected performance of Simmons First National (SFNC) for the quarter ended March 2026, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.

Simmons First National (SFNC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

LITTLE ROCK, Ark., April 6, 2026 /PRNewswire/ -- Simmons Bank announced today its automatic savings program, Round-Up, allowed more than 25,000 customers to save more than $5.9 million during 2025.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Simmons First National (SFNC) have what it takes?

PINE BLUFF, Ark., March 24, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) today announced it is scheduled to release first quarter 2026 earnings after the market closing on Thursday, April 16, 2026.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Simmons First National (SFNC) have what it takes?