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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.Q2 2025 earnings summary18 Jul, 2025
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.
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Next Simmons First National earnings date
Q3 202517 Oct, 2025
Next Simmons First National earnings date
Q3 202517 Oct, 2025
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Frequently asked questions
Simmons First National Corporation is a financial holding company that provides a range of banking and financial services. Through its subsidiary bank, the company offers consumer and commercial banking, mortgage lending, wealth management, and insurance products. It serves individuals, businesses, and government entities through a network of branches primarily in the southern United States. The company is headquartered in Pine Bluff, Arkansas, and its shares are listed on the NASDAQ.
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