Simmons First National Corporation Class A (SFNC)

Over the past six months, SFNC's stock price has declined, with a share price of $17.87 as of October 24, 2025, a 24.22% decrease from October 28, 2024. The stock was down 7.49% over the past 30 days and 21.50% for the past 12 months as of October 17, 2025, but rose 8.52% compared to the previous week and 3.94% over the last month as of August 15, 2025. Key events include a net loss reported in the Q3 2025 earnings report due to a pre-tax loss on the sale of low-yielding securities, Q2 2025 earnings falling short of market revenue expectations but exceeding profit estimates, an equity capital raise and balance sheet repositioning, and quarterly dividend declarations.

Information detailing demand seasonality for Simmons First National Corp.'s specific products and services is not explicitly provided. However, demand for loans and deposits can be influenced by broader economic cycles, local economic conditions, and interest rate environments. General banking activities may experience fluctuations based on factors like tax seasons, holiday spending, and business investment cycles. Net interest income is generally viewed as predictable, while Simmons First National's revenue has declined over the last five years, suggesting weak demand. Seasonal patterns might exist for its stock performance.

Simmons First National Corporation (SFNC) is a financial holding company that operates primarily through its subsidiary, Simmons Bank, offering a range of banking and financial services to individuals and businesses. The company's products and services include deposit products like checking and savings accounts, loan products such as consumer and commercial loans, specialized lending in agricultural finance and SBA loans, and other financial services like trust services and credit cards. Convenience services include ATM access, internet and mobile banking, and safe deposit boxes.

Simmons First National Corp. operates through a network of over 220 financial centers across six states in the Mid-South region of the United States, including Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.

Simmons Bank has received several recognitions in the past year, including being named one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025 by Newsweek. It was also recognized as one of the Best Companies to Work For in the South by U.S. News & World Report and one of America's Best-In-State Banks 2024 in Tennessee by Forbes. These awards highlight the bank's commitment to customer service and employee satisfaction.

Simmons First National Corp. has significant institutional ownership, with institutions holding 73% of the company's shares. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., and Dimensional Fund Advisors LP. Individual investors hold approximately 19.20% of the company, while insiders own 2.73%. George Makris Jr., the CEO, is the largest individual shareholder. Insider buying has been reported.