Simmons First National Corporation (SFNC) Q3 FY2026 earnings

Reported results

• Adjusted net income (non-GAAP) of $79.0 million and adjusted diluted EPS (non-GAAP) of $0.54 for 3Q26, compared to $72.2 million and $0.50 in 2Q26
• Net interest margin (FTE) expanded 8 basis points to 3.92% in 3Q26 from 3.84% in 2Q26, driven by loan yields up 5 basis points and cost of deposits down 8 basis points to 1.85%
• Adjusted ROAA (non-GAAP) of 1.29% and adjusted ROTCE (non-GAAP) of 15.50% for 3Q26, compared to 1.17% and 14.37% in 2Q26
• Total loans of $17.465 billion at end of 3Q26 versus $18.062 billion at end of 2Q26; total deposits of $18.616 billion versus $19.728 billion
• Net charge-off ratio of 27 basis points for 3Q26 versus 20 basis points for 2Q26; allowance for credit losses at 1.37% of total loans versus 1.32%
• Adjusted efficiency ratio (non-GAAP) of 53.31% for 3Q26 versus 54.26% for 2Q26

Notes

The release presents adjusted (non-GAAP) measures that exclude branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid expenses, loss on sale of securities, and loss on early extinguishment of debt. The company indicated an upcoming Investor Day in December to outline strategic objectives and future financial targets but provided no forward guidance figures in this release.

Price and volatility reaction

The stock moved -0.8% on the print. No front-expiry chain was on file, so there is no straddle expected move.

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-15 (8-K, Item 2.02). Read the original filing on sec.gov.