SIMMONS FIRST NATIONAL CORP (SFNC) Form 8-K — Oct 15, 2026
Simmons First National (SFNC) reported 3Q26 net income of $47.1 million, or $0.32 diluted EPS, down from $66.7 million and $0.46 in 2Q26, versus a $562.8 million loss in 3Q25. GAAP results were dragged by $43.2 million of pre-tax one-time charges tied to branch rightsizing, severance, professional services and accelerated prepayments. On an adjusted basis, earnings improved to $79.0 million and $0.54 EPS, with adjusted ROTCE of 15.50% and adjusted efficiency ratio improving to 53.31%. Net interest margin expanded 8 bps to 3.92% on loan repricing and lower deposit costs, while the CET1 ratio rose 45 bps to 12.05%.
Key figures
- Eps
- 0.32
- Revenue
- 251200000
- Net Income
- 47100000
- Total Assets
- 24074481000
- Cash Position
- 759622000
- Acl ratio
- 1.37%
- Cet1 ratio
- 12.05%
- Total loans
- 17465000000
- Adjusted roaa
- 1.29%
- Nco ratio bps
- 27
- Adjusted rotce
- 15.50%
- Total deposits
- 18616000000
- Efficiency ratio
- 71.59%
- Dividend per share
- 0.215
- Adjusted net income
- 79000000
- Nonperforming loans
- 179900000
- Adjusted diluted eps
- 0.54
- Net interest margin fte
- 3.92%
- One time charges pretax
- 43200000
- Adjusted efficiency ratio
- 53.31%
- Share repurchase authorization remaining
- 161000000
AI analysis
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