The earnings call reflected a positive sentiment with significant improvements in net interest margin and strong loan production, alongside successful talent management. Although there are challenges such as elevated loan payoffs and reduced deposit repricing opportunities, the positive elements outweigh the negatives.

Company Guidance

During the Simmons First National Corporation's Q2 2025 earnings call, the executive team did not provide specific updated guidance for the latter half of the year, maintaining their tradition of offering outlook commentary primarily in January. However, they expressed confidence in their ability to achieve ambitious performance targets, highlighting ongoing trends in net interest income (NII) and net interest margin (NIM), which exceeded expectations. The NIM has reached the 3% level ahead of schedule, with further expansion anticipated due to asset repricing, particularly from lower rate fixed-rate loans, and strong loan pipeline and production. On the deposit side, a remixing from higher to lower-cost deposits was noted, although the opportunity for further repricing is diminishing as recent Fed rate cuts take effect. Additionally, the company indicated a stable outlook for payoffs, expecting a consistent environment in the second half of the year, while emphasizing ongoing investments in talent and technology to drive future growth.

Net Interest Margin (NIM) Improvement

The company achieved a NIM of 3% ahead of schedule, with continued opportunities for expansion from repricing dynamics on the asset side, particularly on lower rate fixed-rate loans.

Strong Loan Pipeline and Production

Despite elevated payoffs, the loan pipeline and production remain strong, with a shift towards variable rate loans and a focus on maintaining pricing discipline.

Successful Talent Acquisition and Engagement

The company continues to successfully recruit and retain talent, emphasizing investments in talent and technology, and is preparing for potential opportunities arising from industry disruptions.

Positive Trends in Deposit Repricing

The company reported positive remixing trends from higher-cost deposits to lower-cost deposits, contributing to improved financial metrics.

Simmons 1st Nat'l (SFNC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SFNC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.47 / -	0.37	―	―	―
Jul 17, 2025	2025 (Q2)	0.39 / 0.44	0.33	33.33% (+0.11)
Apr 16, 2025	2025 (Q1)	0.35 / 0.26	0.32	-18.75% (-0.06)
Jan 21, 2025	2024 (Q4)	0.36 / 0.39	0.4	-2.50% (-0.01)
Oct 18, 2024	2024 (Q3)	0.33 / 0.37	0.39	-5.13% (-0.02)
Jul 24, 2024	2024 (Q2)	0.31 / 0.33	0.48	-31.25% (-0.15)
Apr 24, 2024	2024 (Q1)	0.33 / 0.32	0.37	-13.51% (-0.05)
Jan 24, 2024	2023 (Q4)	0.35 / 0.40	0.64	-37.50% (-0.24)
Oct 24, 2023	2023 (Q3)	0.35 / 0.39	0.64	-39.06% (-0.25)
Jul 25, 2023	2023 (Q2)	0.40 / 0.48	0.52	-7.69% (-0.04)

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
Jul 17, 2025	$19.69	$20.06	+1.88%
Apr 16, 2025	$17.91	$17.20	-3.96%
Jan 21, 2025	$22.30	$21.88	-1.88%
Oct 18, 2024	$22.60	$22.58	-0.09%

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 Oct 28, 2025, After Close (Confirmed).

What is Simmons First National (SFNC) earnings time?

Simmons First National (SFNC) earnings time is at Oct 28, 2025, 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 2025 (Q3) is 0.47.

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