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Simmons First National (SFNC)
NASDAQ:SFNC
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.48Last Year’s EPS
0.26Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call portrayed strong operational and financial momentum: meaningful NIM expansion, elevated loan production, robust revenue and pre-provision income growth, improved funding mix and notable profitability (ROA ~1.29%, ROTCE ~mid-teens). Management also resolved legacy asset-quality issues, reduced expenses versus multi-year run rates, and signaled investments in talent and deposit-growth initiatives. Offsetting items include competitive pressure on loan pricing (especially CRE), deposit competition in select markets, some nonrecurring Q4 items (BOLI gains and favorable tax rate), planned modest expense growth to fund investments, and management’s cautious guidance for 2026 loan growth and the potential sensitivity to future rate cuts. On balance, the positive operational and financial developments materially outweigh the challenges.Company Guidance
Strong Loan Production and Growth
Highest quarterly loan production in a couple of years; underlying fourth-quarter loan growth was stated to be well in excess of a 7% annualized rate despite elevated paydowns and some seasonality (agri and mortgage warehouse declines). Pipeline size remains healthy at roughly $1.5–$2.0 billion with rate-ready-to-close at a multi-quarter high; guidance for 2026 is low- to mid-single-digit loan growth.
Net Interest Margin Expansion
Fourth-quarter linked-quarter NIM improved by ~31 basis points to 3.81%; year-over-year NIM expanded ~94 basis points. ~19–20 bps of the quarter's improvement was from the partial-quarter impact of the balance sheet restructure; ~11 bps from core NIM expansion (3 bps loan growth, 8 bps rate/mix).
Back-Book Repricing Tailwind
Over $2.5 billion of loans with rates below 4% are scheduled to reprice over the next two years, providing an ongoing tailwind to loan yields and NIM even after recent rate cuts.
Revenue and Pre-Provision Net Revenue Gain
Fourth-quarter revenue rose nearly 20% year-over-year and pre-provision net revenue increased ~60% year-over-year, reflecting improved net interest income and stronger fee income.
Strong Profitability Metrics
Fourth-quarter annualized ROA was 1.29%; quarterly ROTCE printed around mid-teens (~16% referenced for the quarter). Management reiterated targets of an ROA ~1.25%+ and ROTCE in the mid-teens over the medium term.
Improved Funding Profile and Liability Mix
Balance sheet repositioning materially reduced wholesale/brokered funding (about $1.4 billion less brokered deposits), shifting sensitivity from liability sensitive to asset sensitive beyond the short end and lowering funding risk.
Asset Quality Actions and Resolution
Resolution of two problem credits with less impact than initially expected, sale of the equipment finance business and targeted charge-offs; management concluded reserves and specific loss recognition were adequate and characterized credit as stable after a deep-dive.
Efficiency and Expense Discipline
2025 expenses are below the run rate of Q4 2022 despite years of inflation and investments; facilities reduced square footage by ~6%; procurement and automation initiatives cited as ongoing drivers of efficiency while funding continued investments.
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 |
|---|---|---|---|
Jan 20, 2026 | $19.28 | $21.00 | +8.92% |
Oct 16, 2025 | $17.82 | $18.09 | +1.50% |
Jul 17, 2025 | $19.27 | $19.64 | +1.88% |
Apr 16, 2025 | $17.53 | $16.83 | -3.98% |
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 Apr 28, 2026, After Close (Confirmed).
What is Simmons First National (SFNC) earnings time?
Simmons First National (SFNC) earnings time is at Apr 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 (Q1) is 0.48.