#USA #Simmons Bank #Financial Reports #Pine Bluff #NASDAQ SFNC

Financial Overview of Simmons First National Corporation for Q4 2025

On January 20, 2026, Simmons First National Corporation (NASDAQ: SFNC) unveiled its financial results for the fourth quarter of 2025, showcasing notable growth across several key metrics. The corporation achieved a net income of $78.1 million, translating into a diluted earnings per share (EPS) of $0.54. This marks a considerable turnaround from a net loss of $562.8 million in the previous quarter, as well as a year-over-year improvement from a net income of $48.3 million in Q4 2024.

Key Highlights

Net Income and Adjusted EPS:
- The reported net income was $78.1 million.
- An adjusted net income of $79.0 million, reflecting strong operational performance.
- Diluted EPS for the quarter was $0.54, up from $0.38 the previous year.
Returns on Assets and Equity:
- Return on average assets (ROAA) was 1.28%, while return on average common equity (ROE) reached 9.08%.
- Adjusted ROAA was slightly higher at 1.29%.
* Profitability Ratios:
- The adjusted efficiency ratio improved to 53.64%, reflecting effective cost management amidst growth.
- Net interest margin increased by 31 basis points to 3.81%.

Revenue Growth

Simmons reported total revenue of $249.0 million for the fourth quarter, an increase compared to the previous quarter’s adjusted revenue of $232.5 million. This growth was primarily driven by a 20% year-over-year increase in the corporation's net interest income, which totaled $197.3 million. Moreover, the overall loan portfolio expanded by 7% on an annualized basis, reaching $17.5 billion by the end of the quarter.

The corporation’s noninterest income also rebounded significantly, achieving $51.7 million in Q4 2025, marking a stark contrast to the loss of $756.2 million experienced in the prior quarter, which was chiefly due to the sale of low-yielding securities as part of a balance sheet strategy.

Asset Quality and Loan Portfolio

Simmons First National Corporation has demonstrated a commitment to improving its asset quality. The nonperforming loan (NPL) ratio decreased from 0.90% to 0.64% for this quarter. Net charge-offs were quantified at $28.2 million, a significant increase reflecting prior relationship exposures but managed effectively through appropriate reserves.

The allowance for credit losses (ACL) remained robust, concluding at 1.28% of total loans, ensuring the bank is positioned to counter potential future losses.

Balance Sheet Positioning

The balance sheet reflects solid liquidity, maintaining total deposits at $20.2 billion, fueled by a strong influx of customer deposits in interest-bearing accounts. Total assets also grew to approximately $24.5 billion, indicating efficient management and strategic positioning within the financial landscape.

With 222 financial centers across several states, Simmons First National Corporation continues to cement its role as a significant player in the Mid-South banking sector. President and CEO Jay Brogdon emphasized the importance of these results, attributing them to the company's sound strategies and commitment to customer-centric services.

Looking Ahead

Entering 2026, the company’s leadership expresses confidence in sustaining this momentum. The anticipated focus on profitable growth coupled with efforts to enhance operational efficiency aims to deliver continued value to shareholders and clients alike.

With recent accolades, including recognition from Newsweek as one of America's Best Regional Banks and Credit Unions for 2026, Simmons Bank is poised to leverage its strong performance as it anticipates further growth and opportunities within the banking sector.