SFNC at a glance
SIMMONS FIRST NATIONAL CORP (SFNC, SEC CIK 90498) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 3, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), SIMMONS FIRST NATIONAL CORP (SFNC) reported revenue of $1.2 billion (down 5.2% from FY2024) and a net loss of $397.6 million. Diluted EPS was -$2.95.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding SIMMONS FIRST NATIONAL CORP (SFNC) shares worth $1.8 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.2B
- −5.2% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 32 funds
- $1.8B · +0 vs prior quarter
- Latest 8-K
- Sep 3, 2026
- Item 7.01 · Item 2.05
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional bank holding company providing lending, deposit, and financial services primarily secured by real estate
- No new products or segments introduced; increased emphasis on regulatory compliance and litigation risk management
- Strategic focus on capital allocation constrained by Federal Reserve "source of strength" doctrine affecting acquisitions and dividends
- Notable risk from environmental liabilities related to foreclosed real estate properties impacting financial condition
- Geographic concentration in Mid-South and Great Plains with exposure to severe weather and seismic risks affecting operations and collateral values
Risk Factors
- Regulatory risk: Impact of ASC Topic 326-20 ("Financial Instruments - Credit Losses") on allowance for credit losses estimates
- Macroeconomic threat: Provision for credit losses rose to $65.8M in 2025 from $46.8M in 2024 due to updated economic assumptions and loan growth
- Operational risk: Balance sheet repositioning included sale of $3.16B low-yielding securities causing $625.6M after-tax loss to deleverage higher rate borrowings
- Market disruption: Competition from peer banks influences goodwill valuation using pricing multiples affecting impairment testing assumptions
- Financial risk: Reliance on key capital issuances with $325M 6.25% subordinated notes in 2025 to redeem $330M 5.00% notes, impacting Tier 2 capital structure
Management Discussion & Analysis
- No management outlook, guidance, or emerging risk information in excerpt
AI summary of the SFNC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $66.7M versus $68.5M sequentially; no same-quarter prior-year revenue disclosed
- Net interest income $203.7M, up 1.7% sequentially; net interest margin 3.84% versus 3.01% YoY
- Noninterest income $47.9M, up 8.5% sequentially; wealth management fees up $1.7M year-to-date
- Provision for credit losses $17.4M versus $14.6M sequentially; nonperforming assets 0.72% versus 0.62% YoY
- Loans $18.06B versus $17.49B at December 31, 2025; commercial pipeline $1.43B versus $1.54B
Risk Factors
- Newly added risk: third-party artificial intelligence models may expose confidential information or generate incorrect outputs
- Most materially updated risk: cyber-attacks increasingly use generative AI and deepfakes, with quantum computing anticipated
- Regulatory risk: evolving artificial intelligence rules may increase compliance costs and noncompliance exposure
- Operational risk: remote-work networks may be less secure than office infrastructure
- Financial risk: $175 million 2026 repurchase authorization may reduce available capital through January 31, 2028
AI summary of the SFNC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Disclosure signals expense reduction and organizational optimization initiatives, including branch network rationalization
- Potential impacts include workforce reductions, associate retention risks, and customer attrition from branch closures
Item 2.05: Costs Associated with Exit or Disposal Activities
- Closure of 26 branches across six states, effective December 4, 2026
- Approximately 100 associates affected, with approximately 70% expected to be retained elsewhere
Item 7.01: Regulation FD Disclosure
- Investor presentation issued July 16, 2026 under Regulation FD
- Exhibit 99.2 contains the substantive investor-facing disclosures and financial information
Item 2.02: Results of Operations and Financial Condition
- July 16, 2026 earnings release covered fiscal-year 2026 results
- Full financial results and management commentary contained in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- 2Q26 net income $66.7M, diluted EPS $0.46; adjusted EPS $0.50, up from $0.44 year over year
- Net interest income rose 17% year over year to $200.6M, while NIM expanded to 3.84% from 3.06%
Item 5.07: Submission of Matters to a Vote of Security Holders
- Shareholders elected all 14 director nominees, preserving existing board composition and governance continuity
- Director-count resolution approved with 125,857,676 votes for and 650,879 against
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Shareholders approved the Amended 2023 Stock and Incentive Plan, effective May 13, 2026
- Share reserve increased by 3,550,000 shares to 7,350,000, creating potential future dilution
AI summaries of SFNC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SFNC
Don't miss the next SFNC filing
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- Fund moves. Which tracked funds opened, added or cut SFNC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| COSSE STEVEN A | M | Oct 1, 2026 | 975 | - |
| TEUBNER RUSSELL WILLIAM | M | Oct 1, 2026 | 975 | - |
| Purvis Tom E. | M | Oct 1, 2026 | 975 | - |
| Shoptaw Robert L | M | Oct 1, 2026 | 975 | - |
| COSSE STEVEN A | M | Oct 1, 2026 | 975 | - |
| TEUBNER RUSSELL WILLIAM | M | Oct 1, 2026 | 975 | - |
| DORAMUS MARK C | M | Oct 1, 2026 | 975 | - |
| Purvis Tom E. | M | Oct 1, 2026 | 975 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.2B | $1.3B | $1.2B |
| Net Income | $175.1M | $152.7M | -$397.6M |
| Net Margin | 14.5% | 11.6% | -32.0% |
| Balance Sheet | |||
| Total Assets | $27.3B | $26.9B | $24.5B |
| Equity | $3.4B | $3.5B | $3.4B |
| ROE | 5.1% | 4.3% | -11.6% |
| Per Share | |||
| EPS | - | $1.21 | $-2.95 |
| Cash Flow | |||
| Operating CF | $541.0M | $425.9M | $449.5M |
| CapEx | $33.1M | $45.5M | $38.1M |
Source: XBRL data in SIMMONS FIRST NATIONAL CORP (SFNC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SFNC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $1.75B |
| Q1 2026 | 32 | $1.46B |
| Q4 2025 | 31 | $1.43B |
| Q3 2025 | 33 | $1.42B |
| Q2 2025 | 32 | $1.24B |
| Q1 2025 | 28 | $929.1M |
| Q4 2024 | 23 | $894.1M |
| Q3 2024 | 19 | $559.5M |
- Morgan Stanley+898.5K (+56%)
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- Citadel Advisors LLC+241.9K (+20%)
- JPMorgan Chase & Co+188.9K (+13%)
- WESTWOOD HOLDINGS GROUP INC−426.2K (-12%)
- Millennium Management−165.8K (-36%)
- Dimensional Fund Advisors−134.9K (-2%)
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- Renaissance Technologies LLC−55.1K (-18%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 230 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SFNC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 8-K | Sep 3, 2026 | - | Analysis | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 16, 2026 | - | Analysis | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
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SFNC SEC filings: frequently asked questions
Which institutions hold SFNC stock?
As of June 30, 2026, the largest SIMMONS FIRST NATIONAL CORP (SFNC) holders among the 13F filers tracked by SignalX were BlackRock ($471.3 million), Vanguard Portfolio Management LLC ($199.6 million), State Street Corp ($186.0 million), Vanguard Capital Management LLC ($149.8 million), Dimensional Fund Advisors ($138.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SFNC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), SIMMONS FIRST NATIONAL CORP (SFNC) reported revenue of $1.2 billion (down 5.2% from FY2024) and a net loss of $397.6 million. Diluted EPS was -$2.95. The figures come from the XBRL data in the 10-K.
What are the main risks in SFNC's latest 10-K?
In the 10-K filed February 25, 2026, SIMMONS FIRST NATIONAL CORP (SFNC) flagged: Regulatory risk: Impact of ASC Topic 326-20 ("Financial Instruments - Credit Losses") on allowance for credit losses estimates. Macroeconomic threat: Provision for credit losses rose to $65.8M in 2025 from $46.8M in 2024 due to updated economic assumptions and loan growth. (AI summary of the Risk Factors section.)
What did SFNC report in its latest 8-K?
SIMMONS FIRST NATIONAL CORP (SFNC) filed an 8-K on September 3, 2026 reporting Item 7.01 (Regulation FD Disclosure) and Item 2.05 (Costs Associated with Exit or Disposal Activities). Disclosure signals expense reduction and organizational optimization initiatives, including branch network rationalization.
What are the latest SFNC SEC filings?
SIMMONS FIRST NATIONAL CORP (SFNC) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 3, 2026 and a Form 4 insider filing on October 5, 2026.
What is SFNC's SEC CIK number?
SIMMONS FIRST NATIONAL CORP (SFNC)'s SEC Central Index Key (CIK) is 90498. EDGAR lists every SFNC filing under that number.
Ask anything about SFNC
The research agent reads SFNC's filings, financials, insider trades and 13F holders, then answers with sources.