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Simmons First National Corporation serves as the parent organization for Simmons Bank, delivering a broad spectrum of banking and financial solutions to both individual and business clients. Its offerings include various deposit accounts such as checking, savings, and time deposits. The bank also provides a diverse array of lending options, including consumer, real estate, and commercial loans, alongside specialized financing for agriculture, equipment, and small businesses via SBA initiatives. Beyond core banking, it furnishes trust and fiduciary services, credit cards, investment…
Simmons First National Corporation ( SFNC ) Q3 2026 Earnings Call October 16, 2026 8:30 AM EDT Company Participants Edward Bilek - Executive VP & Director of Investor and Media Relations Jay Brogdon - President, CEO & Non-Independent Director Charles Hobbs - Executive VP & CFO Christopher J. Steenberg - Executive VP & COO Conference Call Participants Gary Tenner - D.A.
Simmons First National NASDAQ: SFNC said its third-quarter strategy emphasized profitability, margin expansion and capital flexibility over loan volume, as management cited compressed risk spreads, elevated wholesale funding costs and an unusually high level of loan maturities and paydowns.
Although the revenue and EPS for Simmons First National (SFNC) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Simmons First National (SFNC) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.46 per share a year ago.
PINE BLUFF, Ark., Oct. 15, 2026 /PRNewswire/ -- FINANCIAL HIGHLIGHTS 3Q26 2Q26 3Q25 3Q26 Highlights INCOME STATEMENT SUMMARY (in millions) Comparisons reflect 3Q26 vs 2Q26 unless otherwise noted Net income of $47.1 million and diluted EPS of $0.32 Adjusted net income 1 of $79.0 million and adjusted diluted EPS 1 of $0.54 ROAA of 0.77% and ROE of 5.37% Adjusted ROAA 1 of 1.29%; adjusted ROTCE 1 of 15.50% Total revenue of $251.2 million and PPNR 1 of $69.1 million Adjusted total revenue 1 of $251.2 million and adjusted PPNR 1 of $112.3 million Net interest margin up 8 bps to 3.92% Loan yields up 5 bps and cost of deposits down 8 bps to 1.85% Efficiency ratio of 71.59%; adjusted efficiency ratio 1 of 53.31% Provision expense exceeded net charge-offs by $14.1 million for the first nine months of 2026 NCO ratio at 27 bps for 3Q26; ACL at 1.37% Total revenue $ 251.2 $ 248.6 $(569.5) Adjusted total revenue1 251.2 248.6 232.5 Pre-provision net revenue1 (PPNR) 69.1 100.8 (711.6) Adjusted pre-provision net revenue1 112.3 108.2 92.8 Provision for credit losses 12.2 17.4 12.0 Net income (loss) 47.1 66.7 (562.8) Adjusted net income1 79.0 72.2 64.9 PER SHARE DATA Diluted earnings $ 0.32 $ 0.46 $ (4.00) Adjusted diluted earnings1 0.54 0.50 0.46 Cash dividend declared 0.2150 0.2150 0.2125 BALANCE SHEET (in millions) Total loans $17,465 $18,062 $17,189 Total deposits 18,616 19,728 19,838 Total assets 24,074 24,777 24,208 Total shareholders' equity 3,350 3,482 3,354 ASSET QUALITY Net charge-off ratio (NCO ratio) 0.27 % 0.20 % 0.25 % Allowance for credit losses to loans (ACL) 1.37 1.32 1.50 CAPITAL RATIOS Equity to assets (EA) ratio 13.91 % 14.05 % 13.85 % Tangible common equity (TCE) ratio1 8.62 8.91 8.53 Common equity tier 1 (CET1) ratio 12.05 11.60 11.54 Total risk-based capital ratio 14.80 14.35 15.07 OTHER RATIOS Return on average assets (ROAA) 0.77 % 1.09 % (8.96) % Adjusted ROAA1 1.29 1.17 1.03 Return on average common equity (ROE) 5.37 7.69 (66.29) Return on average tangible common equity1 (ROTCE) 9.42 13.32 (113.56) Adjusted ROTCE1 15.50 14.37 13.62 Net interest margin (FTE)2 3.92 3.84 3.50 Efficiency ratio 71.59 58.72 (25.11) Adjusted efficiency ratio1 53.31 54.26 57.72 Jay Brogdon, Simmons' President and CEO, commented on third quarter 2026 results: "The third quarter showcased our commitment to delivering sustainable long-term value through focused execution of several strategic initiatives designed to improve profitability and further optimize our balance sheet.