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Simmons First National SFNC Provision for Credit Losses

Provision for Credit Losses at other companies

BOK Financial logo
BOK FinancialBOKF
$0
Regions Financial logo
Regions FinancialRF
$68M-46.0%
FB Financial logo
FB FinancialFBK
$3.82M+101%
First Financial Bancorp logo
First Financial BancorpFFBC
$12.93M+42.4%
First Financial Bankshares logo
First Financial BanksharesFFIN
$4.18M+33.6%
Customers Bancorp logo
Customers BancorpCUBI
$600K-62.5%

Segments

By segment

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Community and Commercial Banking$17.43M+46.0%

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:ProvisionForLoanLeaseAndOtherLosses.

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
Subordinated notes and debentures5,2226,18810,48412,322
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

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's provision for credit losses?
Simmons First National (SFNC) reported provision for credit losses of $17.43M in Q2 2026.
How has Simmons First National's provision for credit losses changed year-over-year?
Simmons First National's provision for credit losses increased by 46.0% year-over-year, from $11.95M to $17.43M.
What is the long-term trend for Simmons First National's provision for credit losses?
Over 4 years (2021 to 2025), Simmons First National's provision for credit losses has grown at a 19.1% compound annual growth rate (CAGR), from -$32.7M to $65.82M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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