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Dec 31, 2025
Simmons Q4 2025 Earnings Report
Simmons reported strong Q4 results with solid earnings, margin expansion, and improved credit metrics.
Key Takeaways
Simmons First National Corporation posted a robust Q4 2025, reversing prior quarter losses with a return to profitability. The company benefited from higher net interest income, margin expansion, and disciplined expense control.
Net income for Q4 2025 was $78.1 million, with diluted EPS of $0.54.
Adjusted diluted EPS for Q4 2025 was $0.54, aligning with reported EPS.
Total revenue reached $249.0 million, and adjusted pre-provision net revenue (PPNR) was $110.4 million.
Net interest margin improved significantly, up 31 basis points to 3.81%, while the cost of deposits decreased by 21 basis points.
Revenue by Segment
Forward Guidance
Simmons enters 2026 with positive momentum, supported by margin expansion, solid credit metrics, and strategic balance sheet repositioning.
Positive Outlook
- Net interest margin expanded to 3.81% due to balance sheet repositioning.
- Strong adjusted PPNR driven by disciplined expense management.
- Credit quality improved with NPL ratio down 26 bps to 0.64%.
- Customer deposit growth of 8% annualized in Q4.
- Tangible book value per share increased from Q3 to $13.91.
Challenges Ahead
- High net charge-offs related to specific credit relationships.
- Year-over-year decline in book value per share due to Q3 equity offering.
- Decrease in allowance for credit losses as reserves were utilized.
- No share repurchases during the quarter.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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