SFNCSimmons First National Corporation

$3B

Q4 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$359M-2.1% YoY

Gross Profit

$233M65.1% margin

Operating Income

$94M26.2% margin

Net Income

$78M21.8% margin

EPS (Diluted)

$0.54

QoQ Revenue Growth

+180.5%

Cash Flow

Operating Cash Flow

$450M

Free Cash Flow

$440M

Stock-Based Comp.

$11M

Balance Sheet

Total Assets

$24.5B

Total Liabilities

$21.1B

Stockholders' Equity

$3.4B

Cash & Equivalents

$380M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$359M	$366M	-2.1%
Gross Profit	$233M	$192M	+21.6%
Operating Income	$94M	$54M	+74.0%
Net Income	$78M	$48M	+61.6%

Revenue Segments

Deposit Account

$13M36%

Fiduciary and Trust

$10M29%

Credit and Debit Card

$9M24%

Mortgage Loans

$2M6%

Financial Service, Other

$2M4%

SFNC Q4 2025 Earnings — Simmons First National Corporation Revenue & Financial Results | Market Cap Arena