Simmons First National (SFNC) Q3 FY2026 earnings: revenue $251 million

Simmons First National Corp. (SFNC) announced its results for Q3 FY2026, the quarter ended 30 September 2026, on 15 October 2026. Revenue was $251 million. Net income was $47 million, and diluted earnings per share $0.32. The figures are from the company's earnings press release; the 10-Q with the full statements is not filed yet, and this page fills in when it is.

Revenue$251 million

Net income$47 million

Diluted EPS$0.32-$4.00 a year earlier

QuarterQ3 FY2026ended 30 September 2026

What management said

Net income and EPS fell from second quarter: Net income was $47.1 million, down from $66.7 million in the second quarter. Diluted EPS was $0.32 against $0.46. Net income was $562.8 million lower in the third quarter of 2025, which included an $801.5 million securities loss.
Adjusted earnings rose linked quarter: Adjusted earnings were $79.0 million and adjusted diluted EPS was $0.54, compared with $72.2 million and $0.50 in the second quarter. Adjusted earnings exclude certain items described in the reconciliation tables.
Returns fell from second quarter: Return on average assets was 0.77 percent and return on average common equity was 5.37 percent. Adjusted ROAA was 1.29 percent and adjusted ROTCE was 15.50 percent.

Read the earnings call summary

The quarter, against the one before and a year earlier

Line	Q3 FY2026	Q2 FY2026	Q3 FY2025	Change on the year
Revenue (net interest income plus noninterest income)	251	249	-570	n/a
Net income	47.1	66.7	-563	n/a
Diluted EPS	$0.32	$0.46	-$4.00	n/a

$ million except per share.

Q3 FY2026 is from the company's press release of 15 October 2026; the other columns are from its 10-Q and 10-K filings. A release figure is shown when the release's own figure for an earlier quarter matches the filed one, so the line and its units are read right.

Quarterly results, the last 20 quarters filed

	Q3 FY2021	Q4 FY2021 * †	Q1 FY2022	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	194	200	188	225	237	238	224	208	196	178	195	197	175	208	210	214	-570	249	241	249
Interest expense	18.7	17.7	16.1	19.7	37.0	71.6	101	134	157	168	171	175	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net income	80.6	48.2	65.1	27.5	80.6	83.3	45.6	58.3	47.2	23.9	38.9	40.8	24.7	48.3	32.4	54.8	-563	78.1	68.5	66.7
Net margin	42%	24%	35%	12%	34%	35%	20%	28%	24%	13%	20%	21%	14%	23%	15%	26%	n/a	31%	28%	27%
Diluted EPS	$0.74	$0.41	$0.58	$0.21	$0.63	$0.65	$0.36	$0.46	$0.37	$0.19	$0.31	$0.32	$0.20	$0.38	$0.26	$0.43	-$4.00	$0.54	$0.47	$0.46
Operating cash flow	43.6	57.9	60.5	117	48.4	96.0	98.7	60.2	-38.5	421	57.6	86.1	199	82.9	32.8	77.6	223	116	40.3	145
Capital expenditure	31.0	11.0	7.2	9.8	8.8	9.5	10.5	8.2	7.8	6.5	9.8	13.4	11.7	10.6	10.2	11.3	6.7	10.0	6.3	19.0
Free cash flow	12.6	46.8	53.4	107	39.6	86.5	88.3	52.0	-46.3	414	47.7	72.7	188	72.3	22.6	66.3	217	106	34.0	126
Buybacks	51.4	77.9	16.1	50.0	45.0	0.0	0.0	20.0	20.0	0.3	n/a	n/a	0.0	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Dividends paid	19.3	20.5	21.4	24.5	24.1	24.1	25.5	25.4	25.1	25.0	26.3	26.4	26.4	26.4	26.8	26.8	30.8	30.8	31.2	31.1
Shares outstanding	107m	113m	113m	129m	127m	127m	127m	126m	125m	125m	125m	125m	126m	126m	126m	126m	145m	145m	145m	144m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Earnings press release for the quarter ended 30 September 2026, filed with the SEC on 15 October 2026 with a Form 8-K: the release.