SIMMONS FIRST NATIONAL CORP

For the period ended Sep 30, 2026. Filed Nov 4, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 4, 2026

SFNC$23.68-0.5%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Cash Flows

Nine Months Ended September 30, 2026 and 2025

(In thousands)	September 30, 2026	September 30, 2025
	(Unaudited)	(Unaudited)
OPERATING ACTIVITIES
Net income (loss)	$182,348	$(475,631)
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization	29,999	30,952
Provision for credit losses	44,223	50,708
Loss on sale of investments	—	801,492
Net amortization of investment securities and assets	5,434	10,297
Net amortization on borrowings	296	158
Stock-based compensation expense	10,073	12,538
Loss (gain) on sale of closed branches	3,164	(152)
Gain on sale of foreclosed assets and other real estate owned	(325)	(506)
Gain on sale of mortgage loans held for sale	(6,296)	(5,998)
Loss on sale of loans	—	22
Loss on early extinguishment of debt	—	565
Fair value write-down of branch closures	13,308	—
Deferred income taxes	21,819	(166,587)
Income from bank owned life insurance	(13,836)	(11,949)
Originations of mortgage loans held for sale	(232,265)	(203,824)
Proceeds from sale of mortgage loans held for sale	243,083	205,732
Changes in assets and liabilities:
Interest receivable	(5,942)	18,860
Assets held in trading accounts	4,811	(12,695)
Other assets	(102,398)	60,904
Accrued interest and other liabilities	26,951	32,343
Income taxes payable	3,891	(13,390)
Net cash provided by operating activities	228,338	333,839
INVESTING ACTIVITIES
Net change in loans	(82,837)	(315,554)
Proceeds from sale of loans	78,992	97,863
Decrease in due from banks - time	100	—
Proceeds from sale of closed branches	3,530	16,595
Purchases of premises and equipment, net	(10,101)	(28,155)
Proceeds from sale of foreclosed assets and other real estate owned	7,922	10,316
Proceeds from sale of available-for-sale securities	—	2,363,220
Proceeds from maturities of available-for-sale securities	371,023	278,783
Purchases of available-for-sale securities	(18,594)	(581,732)
Proceeds from maturities of held-to-maturity securities	—	41,009
Purchases of bank owned life insurance	—	(15,697)
Surrender of bank owned life insurance	—	19,025
Proceeds from bank owned life insurance death benefits	5,718	1,055
Net cash provided by investing activities	355,753	1,886,728
FINANCING ACTIVITIES
Net change in deposits	(1,567,895)	(2,048,017)
Proceeds from issuance of other borrowed funds	2,705,000	1,480,000
Proceeds from issuance of subordinated notes	—	321,234
Repayments of other borrowed funds	(1,641,502)	(2,206,540)
Repayments of subordinated debt	—	(37,000)
Dividends paid on common stock	(93,340)	(84,282)
Net change in federal funds purchased and securities sold under agreements to repurchase	78,061	(14,761)
Issuance of common stock	—	327,431
Net shares cancelled under stock compensation plans	(3,224)	(3,228)
Shares issued under employee stock purchase plan	838	836
Repurchases of common stock	(14,320)	—
Net cash used in financing activities	(536,382)	(2,264,327)
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	47,709	(43,760)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	711,913	687,377
CASH AND CASH EQUIVALENTS, END OF PERIOD	$759,622	$643,617

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.