The earnings call indicated strong financial performance and strategic growth initiatives, particularly in NIM improvement and loan production. However, challenges such as elevated loan payoffs and diminishing repricing opportunities on deposits were noted. Nevertheless, the positive highlights, including strong talent acquisition and unfunded loan commitments, outweighed the lowlights, suggesting a positive outlook.

Company Guidance -

Q3 2025

During the Simmons First National Corporation's Second Quarter 2025 Earnings Call, the company emphasized its positive outlook for the remainder of the year and beyond, despite not providing specific guidance updates in the call. Key financial metrics were highlighted, including a net interest margin (NIM) that surpassed the 3% mark ahead of schedule, driven by "repricing dynamics" on loans and a strategic remixing of deposits from higher cost to lower cost options. The call also addressed the company's disciplined approach to loan growth, with a focus on maintaining credit quality and pricing discipline, resulting in a strong loan pipeline and production. Unfunded commitments showed a steady increase, suggesting favorable conditions for loan growth into 2026. Additionally, the company continues to prioritize talent acquisition and retention, leveraging disruptions in the market to attract skilled personnel, particularly in competitive regions like Nashville and Texas. The management expressed confidence in achieving their performance targets, buoyed by robust employee engagement and a commitment to continuous improvement in profitability.

Net Interest Margin (NIM) Improvement

The company's net interest margin hit the 3% level ahead of schedule, indicating strong financial performance in managing interest income and expenses.

Loan Pipeline and Production

The loan pipeline and production remain strong, with a focus on credit and pricing discipline. 75% of the new loan production is variable rate, which supports future NIM expansion.

Continued Talent Acquisition Success

The company is successfully acquiring talent and investing in technology, indicating strong human resource strategies and future growth potential.

Strong Unfunded Loan Commitments

The steady increase in unfunded commitments suggests favorable conditions for future loan growth into the second half of the year and into 2026.

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

Daily Earnings Calendar >

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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing