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Sep 30, 2025
Simmons Q3 2025 Earnings Report
Simmons reported a significant net loss in Q3 2025 due to a major one-time bond sale but showed improvement in core profitability metrics.
Key Takeaways
Simmons First National Corporation posted a net loss driven by a $801.5 million bond sale, but adjusted earnings and net interest margin improved. The company also completed a $327 million equity raise and took actions to reduce high-cost funding.
Reported a net loss of $562.8 million due to a $801.5 million pre-tax bond sale loss
Adjusted net income reached $64.9 million, with adjusted EPS of $0.46
Net interest income increased 9% QoQ to $186.7 million
Net interest margin expanded for the sixth consecutive quarter to 3.50%
Revenue by Segment
Forward Guidance
Simmons expects improved profitability going forward following balance sheet repositioning, equity raise, and cost reductions.
Positive Outlook
- Successful $327M equity capital raise
- Improved net interest margin to 3.50%
- Partial realization of funding cost savings with more to come
- Adjusted EPS and profitability increased QoQ
- Deleveraging actions reduce risk and support future growth
Challenges Ahead
- One-time $801.5M bond sale loss heavily impacted GAAP earnings
- Book value per share fell significantly
- Noninterest income distorted by securities loss
- Lower total deposits due to funding changes
- Net charge-offs remained steady, but provisions increased
Historical Earnings Impact
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Avg. Return Before/After Earnings
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