For the quarter ending 2026-03-31, SFNC had -$163,430K decrease in cash & cash equivalents over the period. $34,039K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Income before provision for credit losses and income taxes | 100,692 | 109,142 | -711,558 | - |
| Operating Segments-Reportable Segment | -36,086 | - | - | - |
| Corporate Non Segment | 0 | - | - | - |
| Provision for credit losses | 14,622 | 15,116 | 11,966 | - |
| Income tax expense | 17,526 | 15,948 | -146,049 | - |
| Net income | 68,544 | 78,078 | -562,792 | 87,161 |
| Depreciation and amortization | 10,004 | 9,850 | 9,985 | 20,967 |
| Loans | 14,622 | 15,116 | 15,180 | - |
| Unfunded commitments | 0 | 0 | 0 | - |
| Securities - htm | 0 | 0 | -3,214 | - |
| Securities - afs | 0 | 0 | 0 | - |
| Provision for credit losses | 14,622 | 15,116 | 11,966 | 38,742 |
| Loss on sale of investments | - | 0 | -801,492 | - |
| Net amortization of investment securities and assets | -1,328 | -1,589 | -2,090 | -8,207 |
| Net amortization on borrowings | 99 | 99 | 82 | 76 |
| Stock-based compensation expense | 3,572 | -1,775 | 3,926 | 8,612 |
| Gain on sale of closed branches-Closed Branches | - | 495 | - | - |
| Gain on sale of closed branches-Equipment Finance Business | - | -1,118 | - | - |
| Loss on sale of closed branches | -152 | - | -93 | 245 |
| Gain on sale of foreclosed assets and other real estate owned | 23 | -6 | 292 | 214 |
| Gain on sale of mortgage loans held for sale | 2,057 | 2,231 | 2,142 | 3,856 |
| Loss on sale of loans | 0 | 131 | 0 | -22 |
| Loss on early extinguishment of debt | - | 0 | -565 | - |
| Deferred income taxes | -12,946 | -13,068 | 163,842 | 2,745 |
| Income from bank owned life insurance | 4,750 | 7,243 | 3,960 | 7,989 |
| Originations of mortgage loans held for sale | 70,852 | 76,773 | 70,631 | 133,193 |
| Proceeds from sale of mortgage loans held for sale | 76,036 | 77,073 | 74,238 | 131,494 |
| Interest receivable | -2,505 | -321 | -16,060 | -2,800 |
| Assets held in trading accounts | 2,858 | -1,010 | 12,695 | - |
| Other assets | 54,258 | -29,633 | -79,505 | 18,601 |
| Accrued interest and other liabilities | -9,535 | -30,198 | 42,415 | -10,072 |
| Income taxes payable | -5,015 | 7,397 | -2,663 | -10,727 |
| Net cash provided by operating activities | 40,308 | 115,664 | 223,400 | 110,439 |
| Surrender of bank owned life insurance | - | 0 | -378 | 19,403 |
| Net change in loans | 481,474 | 393,073 | 169,191 | 146,363 |
| Proceeds from sale of loans | 31,498 | 23,925 | 79,049 | 18,814 |
| Proceeds from sale of closed branches | 0 | 2,248 | 1,393 | 15,202 |
| Decrease in due from banks - time | - | 0 | - | - |
| Purchases of premises and equipment, net | 6,269 | 9,986 | 6,669 | 21,486 |
| Proceeds from sale of foreclosed assets and other real estate owned | 640 | 1,181 | 5,135 | 5,181 |
| Proceeds from sale of available-for-sale securities | - | 0 | 2,363,220 | - |
| Proceeds from maturities of available-for-sale securities | 144,754 | 58,810 | 60,366 | 218,417 |
| Purchases of available-for-sale securities | 13,338 | 15,487 | 526,179 | 55,553 |
| Proceeds from maturities of held-to-maturity securities | 0 | 0 | -143 | 41,152 |
| Purchases of held-to-maturity securities | - | 0 | 0 | - |
| Purchases of bank owned life insurance | 0 | 0 | 0 | 15,697 |
| Sale of equipment finance business | - | 11,198 | - | - |
| Proceeds from bank owned life insurance death benefits | 2,265 | 6,614 | 448 | 607 |
| Net cash used in investing activities | -321,924 | -314,570 | 1,807,051 | 79,677 |
| Net change in deposits | 18,745 | 346,305 | -1,987,257 | -60,760 |
| Proceeds from issuance of other borrowed funds | 430,000 | 285,000 | 0 | 1,480,000 |
| Proceeds from issuance of subordinated notes | - | -180 | 321,234 | - |
| Repayments of other borrowed funds | 285,497 | 1,579 | 615,517 | 1,591,023 |
| Repayments of subordinated debentures | - | 330,000 | 37,000 | - |
| Dividends paid on common stock | 31,189 | 30,759 | 30,750 | 53,532 |
| Net change in federal funds purchased andsecurities sold under agreements to repurchase | -12,675 | -965 | -8,958 | -5,803 |
| Issuance of common stock | - | -324 | 327,431 | - |
| Net shares cancelled under stock compensation plans | -2,036 | -296 | -479 | -2,749 |
| Shares issued under employee stock purchase plan | 838 | 0 | 0 | 836 |
| Repurchase of common stock | - | 0 | - | - |
| Net cash provided by (used in) financing activities | 118,186 | 267,202 | -2,031,296 | -233,031 |
| Decrease in cash and cash equivalents | -163,430 | 68,296 | -845 | -42,915 |
| Cash and cash equivalents, beginning of period | 711,913 | 643,617 | 687,377 | - |
| Cash and cash equivalents, end of period | 548,483 | 711,913 | 643,617 | - |
SIMMONS FIRST NATIONAL CORP (SFNC)
SIMMONS FIRST NATIONAL CORP (SFNC)