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Simmons First National
Simmons First National (SFNC) investor relations material
Simmons First National Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record loan production and strong pre-provision net revenue in Q4, with net income of $79.0M and adjusted diluted EPS of $0.54, up 22% sequentially, reversing a prior quarter net loss.
Net interest margin (NIM) rose to 3.81% in Q4, up 94 bps year-over-year and 31 bps sequentially, driven by balance sheet repositioning and disciplined pricing.
Total loans and deposits both grew 7% annualized on a linked quarter basis, with customer deposits up 8% annualized.
Asset quality improved with resolution of two problem credits and sale of Equipment Finance business, resulting in stable credit outlook.
Efficiency initiatives reduced expenses below 2022 run rates, with adjusted efficiency ratio improving to 53.6%.
Financial highlights
Net interest income for Q4 was $197.3M, up 6% sequentially and 20% year-over-year.
Adjusted total revenue reached $249.0M, up 7% sequentially and 19% year-over-year.
Adjusted PPNR was $110.4M, up 19% sequentially and 60% year-over-year.
Noninterest income for Q4 was $51.7M, up 13% sequentially and 19% year-over-year, partly due to BOLI gains.
Adjusted noninterest expense was $138.6M, down 1% sequentially and year-over-year.
Outlook and guidance
2026 outlook projects total loans to grow low-to-mid single digits, customer deposits up low single digits, and net interest income up 9-11%.
NIM expected to remain stable in 2026, with potential upside from organic low-cost deposit growth.
Adjusted noninterest income expected to be stable, with core fees up 3% and adjusted noninterest expense up 2-3%.
Net charge-offs expected at ~25 bps, with a stable credit outlook and effective tax rate of ~20%.
ROTC targeted in mid-teens, with ROA run rate in mid one-teens.
NIM expansion sustainability post-repositioning
Remaining credit risk post-specific charge-offs?
Target deposit mix and funding cost optimization
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Next Simmons First National earnings date
Q1 202616 Apr, 2026
Simmons First National
Next Simmons First National earnings date
Q1 202616 Apr, 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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