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Simmons First National (SFNC)
NASDAQ:SFNC
Earnings Data
Report Date
Jul 29, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.39Last Year’s EPS
0.33Same Quarter Last Year
Based on 5 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 16, 2025
|% Change Since: 8.67%
|Next Earnings Date:Jul 29, 2025
Earnings Call Sentiment|Neutral
The earnings call presented a mix of positive and negative aspects. While there were significant achievements in loan pipeline growth, customer deposits, revenue, and net interest margin expansion, these were offset by challenges related to credit deterioration in specific loans and a significant fraud expense. The bank demonstrated a proactive approach in addressing credit issues and expressed confidence in navigating uncertainties.Company Guidance
During the first quarter 2025 earnings call, Simmons First National Corporation provided detailed guidance on several key financial metrics. The company reported a 2% increase in total period-end loans on a linked quarter annualized basis, though average loans were down due to back-end loaded funded growth. The commercial loan pipeline increased by 43% linked quarter. Total deposits slightly decreased due to reduced brokered funding, but customer deposits grew by $183 million, reflecting a 4% linked quarter annualized increase, with consumer checking accounts up 1.5% year-over-year. Revenue rose by $1.1 million linked quarter, marking the fourth consecutive quarter of adjusted revenue growth. The net interest margin expanded to 2.95%, up 8 basis points linked quarter and 29 basis points year-over-year. Non-interest income grew by 6% linked quarter, while adjusted non-interest expenses increased by $4.3 million, including a $4.3 million fraud charge. The company proactively addressed two non-performing credit relationships, resulting in a total provision expense of $26.8 million and an increase in the ACL ratio to 1.48%. Despite credit challenges, Simmons reaffirmed its 2025 outlook for 3%+ positive operating leverage and mid-teens growth in PPNR, with expectations of the net interest margin crossing 3% sooner than anticipated.Commercial Loan Pipeline Growth
The commercial loan pipeline increased by 43% from the previous quarter and reached its highest level since the second quarter of 2022.
Customer Deposits Growth
Customer deposits grew by $183 million, approximately 4% on a linked quarter annualized basis, showcasing positive remixing into lower-cost transaction accounts.
Revenue and Net Interest Margin Expansion
Total revenue increased by $1.1 million from the previous quarter, marking the fourth consecutive quarter of top-line adjusted revenue growth. The net interest margin expanded to 2.95%, up 8 basis points from the previous quarter and 29 basis points year-over-year.
Non-Interest Income Growth
Non-interest income grew by 6% from the previous quarter, driven by strong swap fee income and diversified growth from other fee-based businesses.
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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
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SFNC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 16, 2025 | $18.11 | $17.39 | -3.98% |
Jan 21, 2025 | $22.55 | $22.12 | -1.91% |
Oct 18, 2024 | $22.85 | $22.83 | -0.09% |
Jul 24, 2024 | $20.87 | $20.48 | -1.87% |
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.
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FAQ
When does Simmons First National (SFNC) report earnings?
Simmons First National (SFNC) is schdueled to report earning on Jul 29, 2025, TBA Not Confirmed.
What is Simmons First National (SFNC) earnings time?
Simmons First National (SFNC) earnings time is at Jul 29, 2025, TBA Not 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 (Q2) is 0.39.
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