10-Q quarterly report · filed May 6, 2026

SIMMONS FIRST NATIONAL CORP (SFNC) Q1 2026 10-Q Quarterly Report

Short answer

SIMMONS FIRST NATIONAL CORP (SFNC) filed its Q1 2026 10-Q quarterly report on May 6, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $302M (down 2.0% year over year) with net income of $69M.

Q1 2026 key financials · XBRL

Revenue
$302M
−2.0% YoY
Net income
$69M
+111.6% YoY
EPS (diluted)
$0.47
+80.8% YoY

Source: XBRL data from the SIMMONS FIRST NATIONAL CORP (SFNC) Q1 2026 10-Q on SEC EDGAR. USD.

SIMMONS FIRST NATIONAL CORP Q1 2026 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net income $32.4M, up from $32.4M YoY to $68.5M; diluted EPS $0.47 vs $0.26
  • Net interest margin 3.84% vs 2.95% YoY; net interest income $200.2M vs $169.8M
  • Wealth management fees best performer at $10.5M, up 9.4% YoY; mortgage lending income $1.9M, down 7.9%
  • Loans $17.93B vs $17.49B sequentially; commercial pipeline $1.56B vs $1.54B
  • Nonperforming assets 0.63% vs 0.61% YoY; management cited conservative underwriting amid current economic conditions

Risk Factors

  • Newly emphasized AI risk: generative and agentic models may produce incorrect outputs, expose confidential information, or create bias
  • Most materially updated technology risk: cyber-attacks increasingly use generative AI and deepfakes, with quantum-computing threats anticipated
  • Regulatory and compliance exposure: evolving AI rules may increase compliance costs and documentation requirements
  • Operational risk: third-party technology providers’ system failures or security breaches could materially harm results
  • Competitive risk: failure to adapt products and services to changing technology and customer preferences could weaken performance

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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