SIMMONS FIRST NATIONAL CORP — Form 8-K
Filed October 15, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
Simmons First (NASDAQ: SFNC) reported Q3 2026 adjusted net income of $79.0M ($0.54 EPS) vs. $72.2M ($0.50 EPS) in Q2 2026. Adjusted PPNR grew 21% YoY to $112.3M. The company announced closure of 26 branches (4Q26), elimination of 197 FTE, and severance/rightsizing costs of $43.1M ($31.9M after-tax impact), expected to generate $37-42M in future annual PPNR benefits. Total assets $24.1B; net loans $17.5B; deposits $18.6B; CET1 ratio 12.05%, up 45 bps.
Why this rating
Restructuring improves medium-term profitability (adjusted metrics up) but one-time charges cut reported earnings. Modest relative to $2.3B market cap; branch closures reflect selective deleveraging strategy. Positive adjusted trajectory but execution risk.
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