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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,066	1,084	989.75	698.03	556.57	690.8
Interest Income on Investments	196.45	228.24	220.41	163.7	114.49	68.92
Total Interest Income	1,262	1,312	1,210	861.74	671.06	759.72
Interest Paid on Deposits	516.43	600.24	472.92	99.05	41.17	79.86
Interest Paid on Borrowings	58.98	83.36	87.12	45.37	38.36	40.12
Total Interest Expense	575.42	683.6	560.04	144.42	79.53	119.98
Net Interest Income	686.85	628.47	650.13	717.32	591.53	639.73
Net Interest Income Growth (YoY)	10.93%	-3.33%	-9.37%	21.26%	-7.54%	6.31%
Trust Income	36.05	32.81	30.2	31.9	31.17	30.39
Mortgage Banking Activities	7.79	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	-801.49	-28.39	-20.61	-0.28	15.5	54.81
Other Non-Interest Income	82.29	84.78	83.71	77.48	74.43	68.29
Total Non-Interest Income	-624.12	147.17	151.57	166.15	191.45	239.4
Non-Interest Income Growth (YoY)	-	-2.90%	-8.77%	-13.22%	-20.03%	20.98%
Revenues Before Loan Losses	62.73	775.64	801.69	883.46	782.98	879.13
Provision for Loan Losses	64.04	46.79	42.03	14.07	-32.7	74.97
Revenue	-1.31	728.85	759.66	869.39	815.68	804.16
Revenue Growth (YoY)	-	-4.06%	-12.62%	6.58%	1.43%	6.31%
Salaries and Employee Benefits	282.06	272.3	267.73	265.47	230.47	226.38
Occupancy Expenses	48.48	48.21	46.74	44.32	38.8	37.56
Federal Deposit Insurance	21.03	23.94	29.99	11.61	6.97	9.18
Selling, General & Administrative	54.99	60.71	56.94	64.85	57.99	56.63
Other Non-Interest Expense	152.43	148.41	147.69	147.35	131.87	131.71
Total Non-Interest Expense	559.93	554.26	549.98	534.6	468.22	463.21
EBT Excluding Unusual Items	-561.24	174.59	209.69	334.79	347.47	340.95
Legal Settlements	-	-	4	-	-	-
Pretax Income	-567.63	171.31	200.6	306.56	332.46	319.79
Income Tax Expense	-140.32	18.62	25.55	50.15	61.31	64.89
Net Income	-427.31	152.69	175.06	256.41	271.16	254.9
Preferred Dividends & Other Adjustments	-	-	-	-	0.05	0.05
Net Income to Common	-427.31	152.69	175.06	256.41	271.11	254.85
Net Income Growth	-	-12.78%	-31.73%	-5.44%	6.38%	7.03%
Basic Shares Outstanding	129	125	126	124	110	110
Diluted Shares Outstanding	129	126	127	124	110	110
Shares Change (YoY)	2.82%	-0.52%	1.85%	12.95%	0.02%	11.52%
EPS (Basic)	-3.30	1.22	1.39	2.07	2.47	2.32
EPS (Diluted)	-3.30	1.21	1.38	2.06	2.46	2.31
EPS Growth	-	-12.32%	-33.01%	-16.26%	6.49%	-4.15%
Dividend Per Share	0.848	0.840	0.800	0.760	0.720	0.680
Dividend Growth	2.11%	5.00%	5.26%	5.56%	5.88%	6.25%
Effective Tax Rate	-	10.87%	12.73%	16.36%	18.44%	20.29%

Updated Oct 16, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q