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Sep 30
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%
Simmons
Simmons
Simmons Revenue by Segment
Revenue by Segment
Net Interest Income Revenue
CapyFin.comNoninterest Income Revenue
CapyFin.com 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