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SIMMONS FIRST NATIONAL CORP
National Commercial Banks · AR · CIK 90498
It provides banking and financial products and services through its subsidiaries
red 8-K · 90d
$3.27B
Market cap
$22.67
Last close
-1.1%
1D
+2.3%
5D
1.4M
Volume
Price · last 39 sessions+7.3%
May 4L $20.51 · H $22.97Jun 29
162
Total filings
May 13, 2026
Last filing
12/31
Fiscal year end
8-KExecutive Change · Shareholder VoteMay 13, 202610-Q10-QMay 6, 20268-KResults of Operations · Reg FD DisclosureApr 16, 2026DEF 14ADEF 14AApr 8, 20268-KExecutive ChangeMar 3, 202610-KFORM 10-KFeb 25, 20268-KCompany UpdateFeb 17, 20268-K/AExecutive ChangeFeb 2, 20268-KResults of Operations · Reg FD DisclosureJan 20, 20268-KExecutive ChangeDec 23, 20258-KExecutive ChangeDec 9, 202510-QFORM 10-QNov 6, 20258-KResults of Operations · Reg FD DisclosureOct 16, 20258-KMaterial Agreement · New Debt / ObligationSep 12, 2025424B5424B5Sep 10, 20258-KMaterial Agreement · Reg FD DisclosureSep 9, 2025424B5424B5Sep 9, 20258-KExecutive ChangeAug 6, 202510-Q10-QAug 5, 20258-KExecutive Change · Reg FD DisclosureAug 4, 20258-KAcquisition / DispositionJul 25, 20258-KMaterial AgreementJul 23, 2025424B5424B5Jul 23, 20258-KReg FD DisclosureJul 22, 2025424B5424B5Jul 21, 20258-KResults of Operations · Reg FD DisclosureJul 17, 20258-KShareholder VoteMay 8, 202510-Q10-QMay 8, 20258-KResults of Operations · Reg FD DisclosureApr 16, 2025DEF 14APROXY STATEMENTApr 2, 20258-KExecutive ChangeMar 10, 202510-K10-KFeb 27, 20258-KResults of Operations · Reg FD DisclosureJan 21, 20258-KExecutive Change · Reg FD DisclosureNov 12, 202410-QFORM 10-QNov 7, 20248-KResults of Operations · Reg FD DisclosureOct 18, 202410-Q10-QAug 6, 20248-KResults of Operations · Reg FD DisclosureJul 24, 202410-Q10-QMay 7, 20248-KShareholder VoteApr 26, 20248-KResults of Operations · Reg FD DisclosureApr 24, 2024DEF 14APROXY STATEMENTMar 20, 20248-KExecutive ChangeMar 14, 20248-KExecutive ChangeMar 1, 202410-K10-KFeb 27, 20248-KExecutive ChangeJan 26, 20248-KResults of Operations · Reg FD DisclosureJan 24, 20248-KExecutive ChangeJan 8, 20248-KExecutive ChangeJan 3, 20248-KBylaw Amendment · Code of EthicsDec 26, 20238-KExecutive Change · Company UpdateNov 28, 202310-QFORM 10-QNov 6, 20238-KResults of Operations · Reg FD DisclosureOct 24, 202310-QFORM 10-QAug 4, 20238-KExecutive ChangeJul 28, 20238-KResults of Operations · Reg FD DisclosureJul 25, 20238-KExecutive ChangeJul 7, 202310-QFORM 10-QMay 5, 20238-K/AReg FD DisclosureApr 26, 20238-KResults of Operations · Reg FD DisclosureApr 25, 20238-K/AShareholder VoteApr 20, 20238-KExecutive Change · Shareholder VoteApr 19, 2023DEF 14ADEF 14AMar 14, 202310-KFORM 10-KFeb 27, 20238-KExecutive ChangeJan 25, 20238-K/AExecutive ChangeJan 24, 20238-KResults of Operations · Reg FD DisclosureJan 24, 20238-KExecutive Change · Reg FD DisclosureDec 19, 202210-Q10-QNov 4, 20228-KResults of Operations · Reg FD DisclosureOct 25, 202210-Q10-QAug 5, 20228-KResults of Operations · Reg FD DisclosureJul 21, 20228-KExecutive ChangeMay 31, 202210-Q10-QMay 6, 20228-KExecutive Change · Shareholder VoteMay 2, 20228-KResults of Operations · Reg FD DisclosureApr 28, 20228-KAcquisition / Disposition · Reg FD DisclosureApr 11, 2022DEF 14ADEF 14AMar 23, 202210-K10-KFeb 25, 20228-KBylaw AmendmentFeb 18, 2022
Insider Activity
◆ Cluster Buy · 2 insidersIn the 90 days to Oct 30, 2025: 2 insiders bought $203K.
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| Oct 30, 2025 | Cosse Steven ADirector | Buy | 8,603 | $17.44 | $150K |
| Oct 22, 2025 | Garner David WEVP, Chief Accounting Officer | Buy | 3,000 | $17.66 | $53K |
Open-market buys & sells (Form 4, transaction codes P/S). Source: SEC structured insider data.
What Changed
Risk factors · Feb 27, 2025 → Feb 25, 202654 added · 19 removed between the two most recent 10-Ks. The risks a company starts — or stops — disclosing are often the story.
Newly disclosed
- Events in the financial services industry can cause general uncertainty and concern regarding the adequacy of liquidity in the financial services industry generally, for example following certain significant bank closures during 2023.
- The use of artificial intelligence models developed by third parties introduces risks related to how those models are developed, trained, and deployed, including unauthorized material in training data and limited visibility into risk mitigation steps.
- We, our customers, regulators and other third parties, including other financial services institutions and companies engaged in data processing, have been subject to, and are likely to continue to be the target of, cyber-attacks.
- Although we believe our tax estimates are reasonable, the final determination of tax audits and any related litigation could be materially different than reflected in historical income tax provisions and accruals.
- Should additional taxes be assessed as a result of an audit or litigation, an adverse effect on our income tax provision and net income in the period or periods for which that determination is made could result.
- During the third quarter of 2025, we completed a balance sheet repositioning focused on our investment securities portfolio in which we reclassified our held-to-maturity securities to available-for-sale and then sold approximately $3.2 billion (amortized cost basis) of investment securities.
- We may be exposed to the risk that generative artificial intelligence models may produce incorrect outputs, release confidential information, reflect biases, or otherwise cause harm.
- Our efforts to combat fraud might not be successful in mitigating or reducing fraudulent attempts resulting in financial losses, increased litigation risk and reputational harm.
- The legal and regulatory environment for artificial intelligence is uncertain and rapidly involving, potentially increasing compliance costs and risks of noncompliance.
- Recently, the financial services industry has experienced rapid developments in artificial intelligence, including agentic artificial intelligence.
- Core deposit levels may be affected by various industry factors, including general interest rate levels, returns available to customers on alternative investments, conditions in the financial services industry specifically and general economic conditions that impact the amount of liquidity in the economy and savings levels, and also by factors that impact customers’ perception of our financial condition and capital and liquidity levels.
- If a large number of our depositors or depositors with a high concentration of deposits sought to withdraw their deposits suddenly, we could encounter difficulty meeting such a significant deposit outflow, which could negatively impact our profitability, reputation, and liquidity.
No longer disclosed
- While we continue to experience a better performance with respect to net charge-offs than the national average in our credit card portfolio, our net charge-offs were 2.93% and 2.20% of our average outstanding credit card balances for the years ended December 31, 2024 and 2023, respectively.
- Prior events in the financial services industry, such as the 2023 closures of Silicon Valley Bank, Signature Bank and First Republic Bank, have caused general uncertainty and concern regarding the adequacy of liquidity of the financial services industry generally.
- As of December 31, 2024, we owned $6.17 billion of investment securities, which included $3.64 billion in held-to-maturity securities and $2.53 billion in available for sale securities.
- The transition from LIBOR has resulted in and could continue to result in added costs and employee efforts and could present additional risk. 19 Since alternative reference rates are calculated differently than LIBOR, payments under contracts referencing new alternative reference rates will differ from those referencing LIBOR.
- Increasing unemployment and diminished asset values may prevent our credit card customers from repaying their credit card balances which could result in an increased amount of our net charge-offs that could have a material adverse effect on our unsecured credit card portfolio.
- Department of the Treasury approved actions enabling the FDIC to complete its resolution of Silicon Valley Bank and Signature Bank in a manner that fully protected depositors by utilizing the Deposit Insurance Fund, and the Federal Reserve announced it would make available additional funding for eligible depository institutions to help assure banks have the ability to meet the needs of their depositors.
- If the Company were required to sell such securities, including to meet liquidity needs, the Company would realize any previously unrealized losses which could adversely impact the Company’s financial condition and results of operations.
- In response to the closures of Silicon Valley Bank and Signature Bank, in 2023 the Secretary of the U.S.
- As a result of fluctuations in interest rates, the market value of previously issued debt securities in the held-to-maturity portion of our securities portfolio has declined significantly, resulting in unrealized losses.
- Changes in the method pursuant to which benchmark rates are determined, as well as the discontinuance and replacement of reference rates, could adversely impact our business and results of operations.
- Significant portions of our loan portfolio include commercial real estate, construction and development, and commercial and industrial loans, each of which presents heightened lending risks.
- Risks Related to the Company’s Operations We are subject to fraud risk, which could have a material adverse effect on our business and results of operations.
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