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Simmons First National (SFNC) investor relations material
Simmons First National Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Completed a transformative balance sheet repositioning, including a $327M equity raise and sale of up to $3.2B in securities, resulting in a $625.6M–$626M after-tax loss but improving future earnings potential and operational efficiency.
Issued $325M in new subordinated notes and redeemed $330M in older notes, strengthening regulatory capital.
Net loss for Q3 2025 was $562.8M, driven by the one-time securities loss; adjusted Q3 earnings were $64.9M ($0.46 per share), both up sequentially.
Net interest margin increased for the sixth consecutive quarter, reaching 3.50%, with net interest income up 9% sequentially.
Leadership succession plan is firmly established, with optimism for future opportunities.
Financial highlights
Net interest margin (NIM) rose to 3.50% in Q3 2025, up from 3.06% in Q2, and has grown each quarter since Q1 2024.
Adjusted efficiency ratio improved to 57.72%, and adjusted pre-provision net revenue rose 20% sequentially.
Total loans reached $17.2B; total deposits were $19.8B, reflecting a shift away from higher-cost funding.
Allowance for credit losses to loans was 1.50%; nonperforming loan ratio was 0.90%.
Book value per share was $23.18; tangible book value per share was $13.45.
Outlook and guidance
4Q25 NIM expected to be 3.65% or higher, with management focused on organic growth and improved profitability.
Loan growth outlook remains positive, with low single-digit growth targeted and potential upside from restructuring.
Additional liquidity sources total $9.53B; uninsured, non-collateralized deposit coverage ratio is 2.1x.
Capital ratios remain strong: CET1 at 11.54%, total risk-based capital at 15.07%.
Formal loan growth guidance for 2026 to be provided in January.
Expected full NIM impact from repositioning?
Future loan growth drivers and pipeline conversion
Outlook for NPLs, given specific credit relationships?
Post-restructuring, what are top strategic priorities?
How will NIM be defended with expected rate cuts?
How will loan growth discipline impact market share?
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Next Simmons First National earnings date
Q4 202521 Jan, 2026
Next Simmons First National earnings date
Q4 202521 Jan, 2026
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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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