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Simmons First National SFNC Community and Commercial Banking — Occupancy expense, net

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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:OccupancyNet.

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
Total net revenue237,80810,758248,566205,1569,022214,178
Noninterest expense:
Salaries and employee benefits70,6374,95375,59069,1764,68673,862
Occupancy expense, net14,26944614,71511,36148311,844
Furniture and equipment expense5,689505,7395,4745,474
Deposit insurance4,4504,4504,9174,917
Other operating expenses (1)46,1961,04947,24540,8711,62142,492
Total noninterest expense141,2416,498147,739131,7996,790138,589

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's community and commercial banking — occupancy expense, net?
Simmons First National (SFNC) reported community and commercial banking — occupancy expense, net of $14.27M in Q2 2026.
How has Simmons First National's community and commercial banking — occupancy expense, net changed year-over-year?
Simmons First National's community and commercial banking — occupancy expense, net increased by 25.6% year-over-year, from $11.36M to $14.27M.
What is the long-term trend for Simmons First National's community and commercial banking — occupancy expense, net?
Over 3 years (2022 to 2025), Simmons First National's community and commercial banking — occupancy expense, net has grown at a 1.5% compound annual growth rate (CAGR), from $44.3M to $46.31M.
What does community and commercial banking — occupancy expense, net mean?
This represents the net costs associated with maintaining physical branch locations and office facilities used by the community and commercial banking segment, including rent, utilities, and maintenance. It serves as a proxy for the segment's physical footprint and infrastructure overhead. Managing these costs is critical for maintaining operational efficiency in a retail and commercial banking environment.

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