Simmons First National: Q3 Earnings Snapshot

Simmons First National Corp. (SFNC) reported Q3 net income of $47.1M, or 32 cents per share. Adjusted EPS was 54 cents, beating estimates. Revenue was $356.2M, but net revenue of $254.3M missed forecasts.

Original reporting
Published Oct 15, 2026, 8:37 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 15, 2026, 8:47 PM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
Simmons First National: Q3 Earnings Snapshot — source image
Decision brief

The 30-second read

$SFNCBullishMed
01

Why it matters

This is a first-report earnings disclosure with specific beat/miss figures, which can drive near-term repricing of SFNC’s earnings power and valuation expectations.

02

Market read

SFNC’s adjusted EPS beat consensus, while revenue net of interest expense slightly missed, creating a mixed earnings signal for traders.

03

What to watch

The article does not break out credit quality, NIM, or deposit trends, so traders may discount the beat if those drivers are weaker than implied by adjusted EPS.

Relevance 8/10Novelty 8/10Timing: reported Q3 results on Thursday

Background

The piece is an AP earnings snapshot generated from Zacks data, reporting Q3 income, EPS (reported and adjusted), and revenue versus analyst estimates.

Company-level read

Ticker impact

$SFNCBullishMedium confidence
Context

Simmons First National reported Q3 net income of $47.1M and EPS of 32 cents, beating the 53-cent adjusted EPS estimate.

Expected impact

Likely mild upward pressure as traders price the adjusted EPS beat, tempered by the revenue shortfall.

Evidence & confidence

The article provides a clear EPS beat versus consensus and a specific revenue net of interest expense miss, which typically drives a mixed but generally positive near-term reaction.

Market effects

Adds incremental datapoint on regional bank earnings quality, but no sector-wide guidance or macro catalyst is provided.

Primarily affects sentiment around Arkansas and broader regional banking exposure, with limited spillover.

Low, as this is a single-company earnings print with no cross-market policy or systemic signal.

Counterpoint

The revenue net of interest expense fell short of forecasts, which could indicate underlying margin or demand pressure despite the adjusted EPS beat.

Key entities

  • Simmons First National Corp.

    Regional bank holding company reporting Q3 net income, EPS, and revenue versus Wall Street expectations.

  • Zacks Investment Research

    Provided the consensus estimates cited in the article.

Related articles

$SFNCMed

Simmons First National stock price target raised to $25 by DA Davidson

DA Davidson raised its price target for Simmons First National (SFNC) to $25, citing strong Q3 results that exceeded net interest margin and EPS expectations. The firm expects continued net interest margin expansion and modest net interest income growth. SFNC's Q3 earnings met estimates, but revenue missed slightly. Keefe, Bruyette & Woods also adjusted its price target to $25, maintaining an Outperform rating.

$SFNCMed

Simmons First National Corp (SFNC) Q3 2026 Earnings Call Highlights: Margin Expansion

Simmons First National Corp (SFNC) reported Q3 2026 earnings, highlighting margin expansion and strategic reinvestments. CFO Daniel Hobbs noted expense growth may be flat or slightly down for 2026, with savings from initiatives not yet fully realized. CEO Jay Brogdon emphasized deposit growth and talent investment, while CFO Hobbs discussed a 3.92% net interest margin with upside potential. The bank added $550 million in swaps for downside protection and saw deposit costs fall 8 basis points.

$SFNCMed

DA Davidson maintains Neutral on Simmons First stock after mixed Q3

DA Davidson reiterated a Neutral rating on Simmons First National (SFNC) with a $24.00 price target after mixed Q3 results. SFNC reported sequential net interest income growth and stronger-than-expected net interest margin, but loans declined by $600M. EPS met expectations at $0.54, while revenue of $251.2M missed forecasts. Credit metrics weakened slightly, with non-performing assets increasing to 1.07%.

$SFNCMed

What Simmons First National (SFNC) Said on Its Q3 Earnings Call

Simmons First National (SFNC) reported Q3 net interest margin of 3.92%, up 8 basis points from Q2, with earnings per share rising by $0.04. Management expects margin upside from asset replacement and funding strategies, while cautioning about near-term balance-sheet contraction. The company plans to reinvest savings in growth areas and maintain disciplined lending.

$SFNCMedAI 8/10

Simmons First National reports $47.1 million third quarter profit

Simmons First National Corporation reported a $47.1 million profit in Q3 2026, reversing a $562.8 million loss from Q3 2025 due to balance sheet restructuring. Earnings per share improved to a 32-cent profit from a $4 loss. Total assets decreased slightly to $24 billion, while net interest income rose by $4 million from Q2. The company's shares closed at $22.26, up 1%.