)

Simmons First National (SFNC) investor relations material
Simmons First National Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 rose to $54.8M ($0.43 EPS), with adjusted net income at $56.1M ($0.44 EPS), reflecting strong revenue growth and disciplined expense management.
Total revenue reached $214.2M, up 2% sequentially and 9% year-over-year; net interest margin (NIM) surpassed 3% for the first time in five quarters.
Management expressed strong confidence in ongoing business trends, with momentum exceeding expectations and a positive outlook for profitability improvement in the second half of 2025.
Asset quality remained stable, with credit quality healthy and allowance for credit losses (ACL) at 1.48% of total loans.
Capital ratios remained robust, with CET1 at 12.36% and total risk-based capital at 14.42%.
Financial highlights
Net interest income for Q2 2025 was $171.8M, up 5% sequentially; NIM expanded to 3.06%, up 11 bps from Q1 2025 and 37 bps year-over-year.
Noninterest income was $42.4M, down 8% sequentially due to lower swap fee and SBIC valuation adjustment.
Adjusted pre-provision net revenue was $77.3M, up 17% from Q1 2025.
Noninterest expense for Q2 2025 was $138.6M, down 4.1% sequentially; adjusted noninterest expense was $136.8M, down 5% sequentially.
Book value per share was $28.17; tangible book value per share was $16.97.
Outlook and guidance
Management expects continued NIM expansion, supported by fixed-rate asset repricing, lower deposit costs, and strong loan pipelines.
No mid-year formal guidance update; management remains confident in achieving ambitious performance targets set at the start of the year.
Positive momentum is expected to continue into the second half of 2025, with a strong loan pipeline and robust liquidity.
Payoff levels are anticipated to be consistent with or lower than the first half of the year.
A $604M after-tax loss from securities sales will be recorded in Q3 2025 as part of a balance sheet repositioning.
Next Simmons First National earnings date

Next Simmons First National earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage