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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 2 months)
Revenue estimate$253.4M
EPS estimate$0.53

Financials

Q3 2025

Income statement

See full
Revenue-$569.5M-426%
Net income-$562.8M-2,375%
EPS (diluted)-$4.00-2,100%

Balance sheet

See full
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

See full
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

See full
Net margin-681.2%-698pp
FCF margin602.6%+506pp

Returns & leverage

See full
Return on equity-12.4%-16.2pp
Debt / equity0×0.0×

Segments

By product

See full
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%

Versus estimates

Revenue

Q2 2026$248.6MMiss by $2.4MQ1 2026$241.4MMiss by $1.7M
Q3 2025-$446.0MMiss by $679.5M
Q2 2025$357.4KMiss by $216.8MQ1 2025$206.5MMiss by $10.6MQ4 2024$205.4MMiss by $3.3M

Diluted EPS

Q2 2026$0.50Miss by $0.03Q1 2026$0.47In line
Q3 2025$0.46Miss by $0.01
Q2 2025$0.44Beat by $0.04Q1 2025$0.26Miss by $0.10Q4 2024$0.38Beat by $0.03

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Questions, answered.

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 10-Q periodic report (0001628280-25-050112) directly on SEC EDGAR. The filing index links above go to sec.gov.