SIMMONS FIRST NATIONAL CORP (SFNC) FY2025 10-K Annual Report
SIMMONS FIRST NATIONAL CORP (SFNC) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 25, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
SIMMONS FIRST NATIONAL CORP FY2025 10-K Analysis
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
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in provided MDA excerpt
- • No segment performance data available
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
SIMMONS FIRST NATIONAL CORP FY2025 Key Financial MetricsXBRL
Revenue
$1.2B
▼ -5.2% YoY
Net Income
-$398M
▼ -360.4% YoY
Net Margin
-32.0%
▼ -4360bp YoY
ROE
-11.6%
▼ -1595bp YoY
Total Assets
$24.5B
▼ -8.7% YoY
EPS (Diluted)
$-2.95
▼ -343.8% YoY
Operating Cash Flow
$450M
▲ +5.5% YoY
Source: XBRL data from SIMMONS FIRST NATIONAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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