For the quarter ending 2025-09-30, SFNC had -$845K decrease in cash & cash equivalents over the period. $216,731K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Income (loss) before provision for credit losses and income taxes | -711,558 | - |
| Provision for credit losses | 11,966 | - |
| Income tax expense (benefit) | -146,049 | - |
| Net income (loss) | -562,792 | 87,161 |
| Depreciation and amortization | 9,985 | 20,967 |
| Loans | 15,180 | - |
| Unfunded commitments | 0 | - |
| Securities - htm | -3,214 | - |
| Securities - afs | 0 | - |
| Provision for credit losses | 11,966 | 38,742 |
| Loss on sale of investments | -801,492 | - |
| Net amortization of investment securities and assets | -2,090 | -8,207 |
| Net amortization on borrowings | 82 | 76 |
| Stock-based compensation expense | 3,926 | 8,612 |
| Gain on sale of closed branches | -93 | 245 |
| Gain on sale of foreclosed assets and other real estate owned | 292 | 214 |
| Gain on sale of mortgage loans held for sale | 2,142 | 3,856 |
| Loss on sale of loans | 0 | -22 |
| Loss on early extinguishment of debt | -565 | - |
| Deferred income taxes | 163,842 | 2,745 |
| Income from bank owned life insurance | 3,960 | 7,989 |
| Originations of mortgage loans held for sale | 70,631 | 133,193 |
| Proceeds from sale of mortgage loans held for sale | 74,238 | 131,494 |
| Interest receivable | -16,060 | -2,800 |
| Assets held in trading accounts | 12,695 | - |
| Other assets | -79,505 | 18,601 |
| Accrued interest and other liabilities | 42,415 | -10,072 |
| Income taxes payable | -2,663 | -10,727 |
| Net cash provided by operating activities | 223,400 | 110,439 |
| Net change in loans | 169,191 | 146,363 |
| Proceeds from sale of loans | 79,049 | 18,814 |
| Proceeds from sale of closed branches | 1,393 | 15,202 |
| Purchases of premises and equipment, net | 6,669 | 21,486 |
| Proceeds from sale of foreclosed assets and other real estate owned | 5,135 | 5,181 |
| Proceeds from sale of available-for-sale securities | 2,363,220 | - |
| Proceeds from maturities of available-for-sale securities | 60,366 | 218,417 |
| Purchases of available-for-sale securities | 526,179 | 55,553 |
| Proceeds from maturities of held-to-maturity securities | -143 | 41,152 |
| Purchases of held-to-maturity securities | 0 | - |
| Purchases of bank owned life insurance | 0 | 15,697 |
| Surrender of bank owned life insurance | -378 | 19,403 |
| Proceeds from bank owned life insurance death benefits | 448 | 607 |
| Net cash provided by (used in) investing activities | 1,807,051 | 79,677 |
| Net change in deposits | -1,987,257 | -60,760 |
| Proceeds from issuance of other borrowed funds | 0 | 1,480,000 |
| Proceeds from issuance of subordinated notes | 321,234 | - |
| Repayments of other borrowed funds | 615,517 | 1,591,023 |
| Repayments of subordinated debt | 37,000 | - |
| Dividends paid on common stock | 30,750 | 53,532 |
| Net change in federal funds purchased andsecurities sold under agreements to repurchase | -8,958 | -5,803 |
| Issuance of common stock | 327,431 | - |
| Net shares cancelled under stock compensation plans | -479 | -2,749 |
| Shares issued under employee stock purchase plan | 0 | 836 |
| Net cash used in financing activities | -2,031,296 | -233,031 |
| Decrease in cash and cash equivalents | -845 | -42,915 |
| Cash and cash equivalents at beginning of period | 687,377 | - |
| Cash and cash equivalents at end of period | 643,617 | - |
SIMMONS FIRST NATIONAL CORP (SFNC)
SIMMONS FIRST NATIONAL CORP (SFNC)