For the year ending 2025-12-31, SFNC had $24,536K increase in cash & cash equivalents over the period. $411,362K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Income (loss) before provision for credit losses and income taxes | -461,830 |
| Provision for credit losses | 65,824 |
| Provision for (benefit from) income taxes | -130,101 |
| Net income (loss) | -397,553 |
| Depreciation and amortization | 40,802 |
| Loans | 69,038 |
| Unfunded commitments | 0 |
| Securities - htm | -3,214 |
| Securities - afs | 0 |
| Provision for credit losses | 65,824 |
| Loss on sale of investments | -801,492 |
| Net amortization of investment securities and assets | -11,886 |
| Net amortization on borrowings | 257 |
| Stock-based compensation expense | 10,763 |
| Gain on sale of closed branches-Closed Branches | 495 |
| Gain on sale of closed branches-Equipment Finance Business | -1,118 |
| Gain on sale of foreclosed assets and other real estate owned | 500 |
| Gain on sale of mortgage loans held for sale | 8,229 |
| (gain) loss on sale of loans | 109 |
| Loss on early extinguishment of debt | -565 |
| Deferred income taxes | 153,519 |
| Income from bank owned life insurance | 19,192 |
| Originations of mortgage loans held for sale | 280,597 |
| Proceeds from sale of mortgage loans held for sale | 282,805 |
| Interest receivable | -19,181 |
| Assets held in trading accounts | 11,685 |
| Other assets | -90,537 |
| Accrued interest and other liabilities | 2,145 |
| Income taxes payable | -5,993 |
| Net cash provided by operating activities | 449,503 |
| Net change in loans | 708,627 |
| Proceeds from sale of loans | 121,788 |
| Proceeds from sale of closed branches | 18,843 |
| Decrease in due from banks - time | 0 |
| Purchases of premises and equipment, net | 38,141 |
| Proceeds from sale of foreclosed assets and other real estate owned | 11,497 |
| Proceeds from sale of available-for-sale securities | 2,363,220 |
| Proceeds from maturities of available-for-sale securities | 337,593 |
| Purchases of available-for-sale securities | 597,219 |
| Proceeds from maturities of held-to-maturity securities | 41,009 |
| Purchases of held-to-maturity securities | 0 |
| Proceeds from bank owned life insurance death benefits | 7,669 |
| Purchases of bank owned life insurance | 15,697 |
| Surrender of bank owned life insurance | 19,025 |
| Sale of equipment finance business | 11,198 |
| Net cash provided by (used in) investing activities | 1,572,158 |
| Net change in deposits | -1,701,712 |
| Proceeds from issuance of other borrowed funds | 1,765,000 |
| Proceeds from issuance of subordinated notes | 321,054 |
| Repayments of other borrowed funds | 2,208,119 |
| Repayments of subordinated debentures | 367,000 |
| Dividends paid on common stock | 115,041 |
| Net change in federal funds purchased and securities sold under agreements to repurchase | -15,726 |
| Issuance of common stock | 327,107 |
| Net shares cancelled under stock compensation plans | -3,524 |
| Shares issued under employee stock purchase plan | 836 |
| Repurchase of common stock | 0 |
| Net cash used in financing activities | -1,997,125 |
| Increase (decrease) in cash and cash equivalents | 24,536 |
| Cash and cash equivalents, beginning of year | 687,377 |
| Cash and cash equivalents, end of year | 711,913 |
SIMMONS FIRST NATIONAL CORP (SFNC)
SIMMONS FIRST NATIONAL CORP (SFNC)