Financial insights of SFNC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$68,544K
EPS
$0.47
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Non-interest income-Mortgage Loans	-	-	-	1,687
Non-interest income-Deposit Account	12,656	12,488*	13,045	12,588
Non-interest income-Financial Service Other	-	-	-	1,321
Non-interest income-Credit And Debit Card	8,503	8,584*	8,478	8,567
Non-interest income-Fiduciary And Trust	10,533	10,252*	9,965	9,464
Non-interest income-Mortgage Loans	1,854	1,414*	2,259	-
Non-interest income-Financial Service Other	1,606	1,209*	1,474	-
Bank owned life insurance income	4,218	3,942	3,943	3,890
Gain on sale of securities, net	-	1,456*	-801,492	-
Other income	4,827	12,365	6,141	4,837
Total noninterest income	44,197	51,708	-756,187	42,354
Loans, including fees	267,287	270,868	269,210	265,373
Interest bearing balances due from banks and federal funds sold	2,320	2,485	6,421	2,531
Investment securities	31,882	33,833	37,464	46,898
Mortgage loans held for sale	203	227	229	221
Assets held in trading accounts	122	118	99	-
Total interest income	301,814	307,531	313,423	315,023
Deposits	97,602	102,505	116,610	126,339
Federal funds purchased and securities sold under agreements to repurchase	36	57	72	59
Other borrowings	1,746	2,138	2,957	10,613
Subordinated notes and debentures	5,262	5,535	7,123	6,188
Total interest expense	104,646	110,235	126,762	143,199
Net interest income	197,168	197,296	186,661	171,824
Loans	14,622	13,509*	15,180	-
Unfunded commitments	0	0*	0	-
Securities - htm	0	1,607*	-3,214	-
Securities - afs	0	0*	0	-
Provision for credit losses	14,622	15,116	11,966	11,945
Net interest income after provision for credit losses	182,546	182,180	174,695	159,879
Salaries and employee benefits	75,885	72,924	76,249	73,862
Occupancy expense, net	12,218	11,636	12,106	11,844
Furniture and equipment expense	5,423	5,304	5,275	5,474
Other real estate and foreclosure expense	315	432	200	216
Deposit insurance	2,295	4,736	5,175	4,917
Merger related costs	-	0	-	-
Professional services	-	5,935	-	-
Postage	-	2,393	-	-
Telephone	-	1,461	-	-
Credit card expense	-	3,101	-	-
Marketing	-	7,725	-	-
Software and technology	-	11,036	-	-
Operating supplies	-	813	-	-
Amortization of intangibles	-	3,097	-	-
Branch right sizing expense	-	85	-	-
Other expense	-	9,184	-	-
Other operating expenses	44,537	44,830	43,027	42,276
Total noninterest expense	140,673	139,862	142,032	138,589
Income before income taxes	86,070	94,026	-723,524	63,644
Actual tax provision	17,526	15,948	-160,732	8,871
Net income	68,544	78,078	-562,792	54,773

Basic EPS	0.47	0.538	-4.01	0.43
Diluted EPS	0.47	0.537	-4	0.43
Basic Average Shares	144,899,000	145,004,000	140,234,000	125,962,000
Diluted Average Shares	145,340,000	145,532,000	140,649,000	126,406,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$68,544K
EPS
$0.47
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$68,544K
EPS
$0.47
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$68,544KEPS$0.47Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$68,544KEPS$0.47Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$68,544K
EPS
$0.47
Unit: Thousand (K) dollars

Net Income
$68,544K
EPS
$0.47
Unit: Thousand (K) dollars