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Simmons First National SFNC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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BOK FinancialBOKF
$351.83M+7.2%
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$1.21B+6.7%
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$142.94M+35.7%
First Financial Bancorp logo
First Financial BancorpFFBC
$182.19M+22.7%
First Financial Bankshares logo
First Financial BanksharesFFIN
$132.73M+10.1%
Customers Bancorp logo
Customers BancorpCUBI
$170.3M+9.2%

Other financials

Income statement

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Revenue$248.6M+16.1%
Net income$66.7M+21.8%
EPS (diluted)$0.46+7.0%

Balance sheet

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Cash & equivalents$589.5M-8.5%
Total debt$38.8M-40.2%
Total equity$3.5B-1.9%
Total assets$24.8B-7.2%

Cash flow

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Operating cash flow$144.6M+86.2%
CapEx$19.0M+67.9%
Free cash flow$125.5M+89.3%

Valuation

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Market cap$3.4B+24.6%
Enterprise value$2.85B+32.6%
P/S20.1×+16.7×

Profitability

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Net margin-928.3%-949pp
FCF margin284.5%+241pp

Returns & leverage

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Return on equity-16.9%-21.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Simmons First National in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Simmons First National’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-053273
(In thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
TOTAL INTEREST EXPENSE107,053143,199211,699287,614
NET INTEREST INCOME200,627171,824397,795335,246
Provision for credit losses17,43411,94532,05638,742
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES183,193159,879365,739296,504
NONINTEREST INCOME
Service charges on deposit accounts12,32912,58824,98525,223
Debit and credit card fees9,0088,56717,51117,013
Wealth management fees10,2409,46420,77319,093

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's net interest income (after provisions)?
Simmons First National (SFNC) reported net interest income (after provisions) of $183.19M in Q2 2026.
How has Simmons First National's net interest income (after provisions) changed year-over-year?
Simmons First National's net interest income (after provisions) increased by 14.6% year-over-year, from $159.88M to $183.19M.
What is the long-term trend for Simmons First National's net interest income (after provisions)?
Over 4 years (2021 to 2025), Simmons First National's net interest income (after provisions) has grown at a 1.1% compound annual growth rate (CAGR), from $624.24M to $653.38M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for credit losses, which accounts for expected future loan defaults. This metric provides a more accurate view of the bank's net earnings potential after adjusting for the inherent risk in its loan portfolio. It serves as a key indicator of the quality of the bank's interest-earning assets.

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