For the quarter ending 2025-09-30, SFNC made $481,970,000 in revenue. -$562,792,000 in net income. Net profit margin of -116.77%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 269,210,000 | 265,373,000 | 257,755,000 | 267,108,500 |
| Interest bearing balances due from banks and federal funds sold | 6,421,000 | 2,531,000 | 2,703,000 | 2,961,500 |
| Investment securities | 37,464,000 | 46,898,000 | 47,257,000 | 54,081,500 |
| Mortgage loans held for sale | 229,000 | 221,000 | 122,000 | 164,000 |
| Assets held in trading accounts | 99,000 | - | - | - |
| Total interest income | 313,423,000 | 315,023,000 | 307,837,000 | 324,315,500 |
| Deposits | 116,610,000 | 126,339,000 | 130,454,000 | 147,481,500 |
| Federal funds purchased and securities sold under agreements to repurchase | 72,000 | 59,000 | 113,000 | 154,000 |
| Other borrowings | 2,957,000 | 10,613,000 | 7,714,000 | 11,517,500 |
| Subordinated notes and debentures | 7,123,000 | 6,188,000 | 6,134,000 | 6,738,500 |
| Total interest expense | 126,762,000 | 143,199,000 | 144,415,000 | 169,007,666.667 |
| Net interest income | 186,661,000 | 171,824,000 | 163,422,000 | 158,424,000 |
| Loans | 15,180,000 | - | - | - |
| Unfunded commitments | 0 | - | - | - |
| Securities - htm | -3,214,000 | - | - | - |
| Securities - afs | 0 | - | - | - |
| Provision for credit losses | 11,966,000 | 11,945,000 | 26,797,000 | 11,769,000 |
| Net interest income after provision for credit losses | 174,695,000 | 159,879,000 | 136,625,000 | 146,655,000 |
| Non-interest income-Mortgage Loans | - | 1,687,000 | - | - |
| Non-interest income-Deposit Account | 13,045,000 | 12,588,000 | - | - |
| Non-interest income-Financial Service Other | - | 1,321,000 | - | - |
| Non-interest income-Credit And Debit Card | 8,478,000 | 8,567,000 | - | - |
| Non-interest income-Fiduciary And Trust | 9,965,000 | 9,464,000 | - | - |
| Non-interest income | - | - | 34,056,000 | 33,205,500 |
| Non-interest income-Mortgage Loans | 2,259,000 | - | - | - |
| Bank owned life insurance income | 3,943,000 | 3,890,000 | 4,092,000 | 3,797,000 |
| Non-interest income-Financial Service Other | 1,474,000 | - | - | - |
| Loss on sale of securities, net | -801,492,000 | - | - | 0 |
| Other income | 6,141,000 | 4,837,000 | 8,007,000 | 6,368,500 |
| Total noninterest income (loss) | -756,187,000 | 42,354,000 | 46,155,000 | 43,371,000 |
| Salaries and employee benefits | 76,249,000 | 73,862,000 | 74,824,000 | 72,120,500 |
| Occupancy expense, net | 12,106,000 | 11,844,000 | 12,651,000 | 12,067,000 |
| Furniture and equipment expense | 5,275,000 | 5,474,000 | 5,465,000 | 5,406,000 |
| Other real estate and foreclosure expense | 200,000 | 216,000 | 198,000 | 248,000 |
| Deposit insurance | 5,175,000 | 4,917,000 | 5,391,000 | 6,342,500 |
| Other operating expenses | 43,027,000 | 42,276,000 | 46,051,000 | 44,314,000 |
| Total noninterest expense | 142,032,000 | 138,589,000 | 144,580,000 | 140,498,000 |
| Income (loss) before income taxes | -723,524,000 | 63,644,000 | 38,200,000 | 49,528,000 |
| Provision (benefit) for income taxes | -160,732,000 | 8,871,000 | 5,812,000 | 5,933,000 |
| Net income (loss) | -562,792,000 | 54,773,000 | 32,388,000 | 43,595,000 |
| Average common shares outstanding (in shares) | 140,234,000 | 125,962,000 | 125,800,000 | -62,759,000 |
| Average diluted common shares (in shares) | 140,649,000 | 126,406,000 | 126,337,000 | -62,820,500 |
| Basic earnings per share (in dollars per share) | -4.01 | 0.43 | 0.26 | 0.35 |
| Diluted earnings per share (in dollars per share) | -4 | 0.43 | 0.26 | 0.345 |
SIMMONS FIRST NATIONAL CORP (SFNC)
SIMMONS FIRST NATIONAL CORP (SFNC)