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Simmons First National SFNC Debit and credit card fees — Non-interest income

Other product segments

Service charges on deposit accounts
$12.33M-2.1%
Wealth management fees
$10.24M+8.2%
Mortgage lending income
$1.99M+18.2%
Other service charges and fees
$1.55M+17.4%

Similar metrics at other companies

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FNLCDebit card income — Non-interest income
$1.38M+6.9%
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FNLCInvestment management and fiduciary income — Non-interest income
$1.55M+15.9%
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CBSHBank card transaction fees — Non-interest income
$48.12M+3.8%
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FNLCService charges on deposit accounts — Non-interest income
$585K+8.5%
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FNLCMortgage origination and servicing income, net of amortization — Non-interest income
$195K-11.8%
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CBSHTrust fees — Non-interest income
$71.51M+28.7%

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:RevenueFromContractWithCustomerExcludingAssessedTax.

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
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
Mortgage lending income1,9941,6873,8483,700
Bank owned life insurance income4,2183,8908,4367,982
Other service charges and fees1,5511,3213,1572,654

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's debit and credit card fees — non-interest income?
Simmons First National (SFNC) reported debit and credit card fees — non-interest income of $9.01M in Q2 2026.
How has Simmons First National's debit and credit card fees — non-interest income changed year-over-year?
Simmons First National's debit and credit card fees — non-interest income increased by 5.1% year-over-year, from $8.57M to $9.01M.
What is the long-term trend for Simmons First National's debit and credit card fees — non-interest income?
Over 4 years (2021 to 2025), Simmons First National's debit and credit card fees — non-interest income has grown at a 4.9% compound annual growth rate (CAGR), from $28.25M to $34.15M.
What does debit and credit card fees — non-interest income mean?
This metric represents the total non-interest revenue generated from interchange fees, processing fees, and other service charges associated with debit and credit card transactions. It serves as a key indicator of consumer spending activity and the bank's ability to monetize its payment processing services. Growth in this area reflects increased customer adoption of card products and higher transaction volumes within the bank's retail and commercial client base.

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