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Simmons First National SFNC Q3 2025 earnings

Reported October 16, 2025 · After market close

Revenue-$446.0MMiss by $679.5M
EPS$0.46Miss by $0.01
Revenue estimate$233.5M
EPS estimate$0.47

Next report

Oct 15, 2026 (In 1 week)
Revenue estimate$254.0M
EPS estimate$0.54

Financials

Q3 2025

Income statement

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Revenue-$569.5M-426%
Net income-$723.5M-2,937%
EPS (diluted)-$4.00-2,100%

Balance sheet

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Cash & equivalents$643.6M+6.7%
Total debt$61.9M-13.2%
Total equity$3.4B-5.0%
Total assets$24.2B-11.2%

Cash flow

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Operating cash flow$223.4M+12.0%
CapEx$6.7M-43.0%
Free cash flow$216.7M+15.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.77B+2.7%
Enterprise value$2.19B+1.1%
P/S44.2×+40.6×

Profitability

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Net margin-928.3%-949pp
FCF margin602.6%+506pp

Returns & leverage

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Return on equity-16.9%-21.5pp
Debt / equity0×0.0×

Segments

By product

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Service charges on deposit accounts$13.0M+2.6%
Wealth management fees$10.0M+9.5%
Debit and credit card fees$8.5M+4.1%
Mortgage lending income$2.3M+15.5%
Other service charges and fees$1.5M-2.3%

FAQ

When did Simmons First National report Q3 2025 earnings?
Simmons First National (SFNC) reported Q3 2025 earnings on October 16, 2025 after market close.
What were Simmons First National's Q3 2025 revenue and EPS?
Simmons First National reported revenue of -$446.0M and eps of $0.46 for Q3 2025.
Did Simmons First National beat estimates in Q3 2025?
Revenue missed the consensus estimate of $233.5M by $679.5M. EPS missed the consensus estimate of $0.47 by $0.01.
How did Simmons First National's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 359.8% from $171.6M a year earlier and eps grew 24.3% from $0.37.
Where can I find Simmons First National's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-241469) and the 10-Q periodic report (0001628280-25-050112) directly on SEC EDGAR. The filing index links above go to sec.gov.