Simmons First National Corp (SFNC) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Simmons First National reported revenue of $103.2M, down 86.7% from $775.6M the year before. Net income was -$397.6M (a -385.1% net margin), or -$2.95 per diluted share. Net interest income was $719.2M, and the efficiency ratio (noninterest expense / revenue) was 547.4%. Operating activities generated $449.5M of cash, leaving $411.4M of free cash flow. At fiscal year end, Simmons First National held $24.54B in total assets against $21.12B in total liabilities.
Open the full interactive Simmons First National financials → Quarterly statements, key ratios, valuation history and price charts.
Simmons First National Key Stats
| Share Price | $22.16 |
|---|---|
| Market Cap | $3.22B |
| Revenue YoY Growth | -86.7% |
| 52-Week Range | $16.56 – $23.90 |
| Shares Outstanding | 144.9 million (basic, 2026 Q2) |
Simmons First National Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $639.7M | $591.5M | $717.3M | $650.1M | $628.5M | $719.2M |
| Provision for Credit Losses | $75.0M | -$32.7M | $14.1M | $42.0M | $46.8M | $65.8M |
| Noninterest Income | $248.5M | $191.8M | $170.1M | $155.6M | $147.2M | -$616.0M |
| Noninterest Expense | $493.5M | $483.6M | $566.7M | $563.1M | $557.5M | $565.1M |
| Revenue | $888.3M | $783.3M | $887.4M | $805.7M | $775.6M | $103.2M |
| Pre-Tax Income | $319.8M | $332.5M | $306.6M | $200.6M | $171.3M | -$527.7M |
| Income Tax | $64.9M | $61.3M | $50.1M | $25.5M | $18.6M | -$130.1M |
| Net Income | $254.9M | $271.2M | $256.4M | $175.1M | $152.7M | -$397.6M |
| Diluted EPS | $2.31 | $2.46 | $2.06 | $1.38 | $1.21 | -$2.95 |
Simmons First National Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | -$569.5M | $249.0M | $241.4M | $248.6M |
| Net Income | -$562.8M | $78.1M | $68.5M | $66.7M |
| Diluted EPS | -$4.00 | $0.58 | $0.47 | $0.46 |
Simmons First National Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $11.81B | $15.95B | $16.62B | $16.77B | $17.27B |
| Total Assets | $22.36B | $24.72B | $27.46B | $27.35B | $26.88B | $24.54B |
| Deposits | $16.99B | $19.37B | $22.55B | $22.24B | $21.89B | $20.18B |
| Total Long-Term Debt | $1.72B | $1.72B | $1.23B | $1.34B | $1.11B | $620.0M |
| Total Liabilities | $19.38B | $21.48B | $24.19B | $23.92B | $23.35B | $21.12B |
| Shareholders' Equity | $2.98B | $3.25B | $3.27B | $3.43B | $3.53B | $3.42B |
Simmons First National Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $202.5M | $277.8M | $322.2M | $541.0M | $425.9M | $449.5M |
| Cash From Investing | $1.19B | -$2.54B | -$946.2M | -$183.6M | $369.5M | $1.57B |
| Cash From Financing | $1.08B | $438.5M | -$344.5M | -$425.4M | -$722.1M | -$2.00B |
| Free Cash Flow | $189.3M | $229.9M | $286.9M | $507.9M | $380.4M | $411.4M |
Figures from Simmons First National's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Simmons First National financials page for every line item.
Simmons First National Company Profile
| Ticker | SFNC |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Pine Bluff, Arkansas |
| Incorporated in | Arkansas |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000090498 |
Frequently Asked Questions
What was Simmons First National's revenue in fiscal 2025?
Simmons First National (SFNC) reported revenue of $103.2M for fiscal 2025.
What is Simmons First National's annual revenue history?
Simmons First National's annual revenue by fiscal year: 2020: $888.3M; 2021: $783.3M; 2022: $887.4M; 2023: $805.7M; 2024: $775.6M; 2025: $103.2M.
What was Simmons First National's net income in fiscal 2025?
Simmons First National reported net income of -$397.6M for fiscal 2025.
What was Simmons First National's earnings per share (EPS) in fiscal 2025?
Simmons First National's diluted EPS was -$2.95 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Simmons First National generate in fiscal 2025?
Simmons First National generated $411.4M of free cash flow in fiscal 2025.
What was Simmons First National's revenue last quarter?
In its most recent reported quarter (2026 Q2), Simmons First National reported revenue of $248.6M.
How much debt does Simmons First National have?
Simmons First National reported $620.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Simmons First National are outstanding?
Simmons First National reported a weighted average of 144.9 million basic shares outstanding in 2026 Q2.
What is Simmons First National's market cap?
Based on its latest closing price, Simmons First National (SFNC) has a market capitalization of about $3.22B.
When does Simmons First National's fiscal year end?
Simmons First National's fiscal year end, as registered with the SEC, is December 31.
Where is Simmons First National headquartered?
Simmons First National lists its business address in Pine Bluff, Arkansas in its SEC filings.