Simmons First National Corporation (SFNC)

Simmons First National Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,075	1,084	989.75	698.03	556.57	690.8
Interest Income on Investments	208.61	228.24	220.41	163.7	114.49	68.92
Total Interest Income	1,283	1,312	1,210	861.74	671.06	759.72
Interest Paid on Deposits	552.07	600.24	472.92	99.05	41.17	79.86
Interest Paid on Borrowings	73.16	83.36	87.12	45.37	38.36	40.12
Total Interest Expense	625.23	683.6	560.04	144.42	79.53	119.98
Net Interest Income	657.9	628.47	650.13	717.32	591.53	639.73
Net Interest Income Growth (YoY)	7.00%	-3.33%	-9.37%	21.26%	-7.54%	6.31%
Trust Income	35.23	32.81	30.2	31.9	31.17	30.39
Mortgage Banking Activities	7.48	8.08	7.73	10.52	21.8	34.47
Gain (Loss) on Sale of Assets	-	-	-	-	5.32	8.37
Gain (Loss) on Sale of Investments	-28.39	-28.39	-20.61	-0.28	15.5	54.81
Other Non-Interest Income	83.97	84.78	83.71	77.48	74.43	68.29
Total Non-Interest Income	149.2	147.17	151.57	166.15	191.45	239.4
Non-Interest Income Growth (YoY)	-1.35%	-2.90%	-8.77%	-13.22%	-20.03%	20.98%
Revenues Before Loan Losses	807.1	775.64	801.69	883.46	782.98	879.13
Provision for Loan Losses	64.22	46.79	42.03	14.07	-32.7	74.97
Revenue	742.88	728.85	759.66	869.39	815.68	804.16
Revenue Growth (YoY)	2.18%	-4.06%	-12.62%	6.58%	1.43%	6.31%
Salaries and Employee Benefits	275.26	272.3	267.73	265.47	230.47	226.38
Occupancy Expenses	48.59	48.21	46.74	44.32	38.8	37.56
Federal Deposit Insurance	21.43	23.94	29.99	11.61	6.97	9.18
Selling, General & Administrative	55.58	60.71	56.94	64.85	57.99	56.63
Other Non-Interest Expense	155.06	148.41	147.69	147.35	131.87	131.71
Total Non-Interest Expense	556.74	554.26	549.98	534.6	468.22	463.21
EBT Excluding Unusual Items	186.14	174.59	209.69	334.79	347.47	340.95
Legal Settlements	-	-	4	-	-	-
Pretax Income	181.4	171.31	200.6	306.56	332.46	319.79
Income Tax Expense	21.18	18.62	25.55	50.15	61.31	64.89
Net Income	160.22	152.69	175.06	256.41	271.16	254.9
Preferred Dividends & Other Adjustments	-	-	-	-	0.05	0.05
Net Income to Common	160.22	152.69	175.06	256.41	271.11	254.85
Net Income Growth	6.25%	-12.78%	-31.73%	-5.44%	6.38%	7.03%
Basic Shares Outstanding	126	125	126	124	110	110
Diluted Shares Outstanding	127	126	127	124	110	110
Shares Change (YoY)	0.63%	-0.52%	1.85%	12.95%	0.02%	11.52%
EPS (Basic)	1.27	1.22	1.39	2.07	2.47	2.32
EPS (Diluted)	1.27	1.21	1.38	2.06	2.46	2.31
EPS Growth	6.65%	-12.32%	-33.01%	-16.26%	6.49%	-4.15%
Dividend Per Share	0.845	0.840	0.800	0.760	0.720	0.680
Dividend Growth	3.05%	5.00%	5.26%	5.56%	5.88%	6.25%
Effective Tax Rate	11.67%	10.87%	12.73%	16.36%	18.44%	20.29%

Updated May 8, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q