Simmons First National (SFNC)
NASDAQ:SFNC
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Earnings Data
Report Date
Jul 28, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.52Last Year’s EPS
0.44Same Quarter Last Year
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong organic loan growth (10% annualized this quarter), improving margin dynamics (linked-quarter NIM +3 bps and deposit-cost improvement of ~48 bps YoY), successful talent hires (wealth team bringing ~$350M AUM) and continued expense discipline driving positive operating leverage. Offsetting items were isolated credit migrations (≈$30M nonaccruals, ~$18M from one relationship), continued elevated paydowns, and heightened deposit competition in certain markets. Management reiterated constructive 2026 guidance for NII (9%–11%) and operating leverage (5%+), expressed confidence in credit and capital positions, and signaled measured capital deployment. Overall, positive operational momentum and margin tailwinds materially outweigh the isolated credit and competitive headwinds.Company Guidance
Strong Loan Growth
10% annualized loan growth in the quarter (management cited prior quarters of ~7%–10% annualized), driven by diversified pipelines and successful execution of an organic growth strategy focused on quality relationships.
Net Interest Margin and NII Momentum
Linked-quarter NIM increased ~3 basis points. Management reiterated 2026 NII growth guidance of 9%–11% and expects NIM in the mid-3.80% range by year-end, with a bias toward the high end of NII guidance given the current forward curve.
Deposit Cost Reduction Year-over-Year
Interest-bearing deposit costs were down ~48 basis points year-over-year; cumulative interest-bearing deposit beta has decreased ~63 basis points, contributing to margin improvement.
Operating Leverage and Expense Discipline
Management is pacing above prior expectations for positive operating leverage; reiterated prior target of 5%+ operating leverage for 2026 and highlighted continued expense discipline while funding strategic investments.
Wealth Team Acquisition Driving Fee Income
Newly hired wealth management team has already brought in or verbally committed approximately $350 million in AUM, with early cross-referral activity into commercial and private banking noted as a catalyst for fee growth.
Capital Position and Strategy
Management maintains an optimal CET1 target of ~10.5%, views proposed regulatory capital rule changes (LTV treatment) as likely beneficial, and intends to prioritize funding growth and the dividend (117 consecutive years) before buybacks.
Deposit Remixing and Consumer Deposit Stabilization
Management reported consumer NIB/ID deposit growth in the ~2%–3% year-over-year range and active remixing of CDs (management cited CDs that matured in 1Q repricing down from ~3.56% to ~3.13% on replacement), which supports funding flexibility and NIM expansion.
SFNC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SFNC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 16, 2026 | $20.46 | $21.52 | +5.18% |
Jan 20, 2026 | $19.06 | $20.76 | +8.92% |
Oct 16, 2025 | $17.62 | $17.89 | +1.50% |
Jul 17, 2025 | $19.05 | $19.41 | +1.88% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Simmons First National (SFNC) report earnings?
Simmons First National (SFNC) is schdueled to report earning on Jul 28, 2026, After Close (Confirmed).
What is Simmons First National (SFNC) earnings time?
Simmons First National (SFNC) earnings time is at Jul 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SFNC EPS forecast?
SFNC EPS forecast for the fiscal quarter 2026 (Q2) is 0.52.