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Simmons First National SFNC Community and Commercial Banking — Net Income

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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:NetIncomeLoss.

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)Three Months Ended / June 30, 2026 / Community and Commercial BankingThree Months Ended / June 30, 2026 / OtherThree Months Ended / June 30, 2026 / ConsolidatedThree Months Ended / June 30, 2025 / Community and Commercial BankingThree Months Ended / June 30, 2025 / OtherThree Months Ended / June 30, 2025 / Consolidated
Income before provision for credit losses and income taxes96,5674,260100,82773,3572,23275,589
Provision for credit losses17,43417,43411,94511,945
Income tax expense16,70216,7028,86658,871
Net income$62,431$4,260$66,691$52,546$2,227$54,773
Six Months Ended
June 30, 2026June 30, 2025
(In thousands)Community and Commercial BankingOtherConsolidatedCommunity and Commercial BankingOtherConsolidated
Net interest income (loss)$396,862$933$397,795$335,262$(16)$335,246

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's community and commercial banking — net income?
Simmons First National (SFNC) reported community and commercial banking — net income of $62.43M in Q2 2026.
How has Simmons First National's community and commercial banking — net income changed year-over-year?
Simmons First National's community and commercial banking — net income increased by 18.8% year-over-year, from $52.55M to $62.43M.
What does community and commercial banking — net income mean?
This represents the final bottom-line profitability of the Community and Commercial Banking segment after accounting for all interest income, noninterest income, operating expenses, credit loss provisions, and taxes. It serves as the primary indicator of the segment's financial performance and its ability to generate value for the parent company. Investors use this to evaluate the segment's contribution to overall corporate earnings.

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