PR Newswire·Jan 20, 2026, 4:30 PM ET

Simmons First National Corporation Reports Fourth Quarter EPS of $0.54

SFNC

Simmons First National Corporation reported net income of $78.1 million for the fourth quarter of 2025, resulting in diluted earnings per share of $0.54.
Adjusted net income for the quarter was $79.0 million with adjusted diluted earnings per share of $0.54.
Return on average assets (ROAA) was 1.28%, while return on average common equity (ROE) was 9.08%.
Total revenue reached $249.0 million, with pre-provision net revenue (PPNR) of $109.1 million.
The net interest margin increased by 31 basis points to 3.81%, driven by a 21 basis point decrease in the cost of deposits.
The efficiency ratio was 55.52%, with an adjusted efficiency ratio of 53.64%.
Total loans grew 7% on an annualized basis to $17.492 billion, while total deposits increased 8% annually to $20.184 billion.
Nonperforming loan ratio decreased 26 basis points to 0.64%, and the allowance for credit losses (ACL) ratio stood at 1.28%.
Net charge-off ratio was 1.12%, including charge-offs related to two previously disclosed credit relationships and a run-off portfolio.
Tangible common equity ratio was 8.71%, and the Common Equity Tier 1 (CET1) ratio was 11.63%.
The company redeemed $330 million in subordinated notes on October 1, 2025, as part of its balance sheet repositioning strategy.
No shares were repurchased during the fourth quarter of 2025 under the existing authorization program.
Simmons Bank operates 222 financial centers with 2,917 full-time equivalent employees.
Cash dividends declared for the quarter were $0.2125 per common share.