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 -

Q2 2025

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.

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
Jul 17, 2025	2025 (Q2)	0.39 / -	0.33	―	―	―
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)
Apr 25, 2023	2023 (Q1)	0.47 / 0.37	0.59	-37.29% (-0.22)

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, 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%
Jul 24, 2024	$20.64	$20.25	-1.89%

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 17, 2025, After Close (Confirmed).

What is Simmons First National (SFNC) earnings time?

Simmons First National (SFNC) earnings time is at Jul 17, 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 (Q2) is 0.39.

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