Item 2.02 - Results of Operations and Financial Condition: The filing reports on the company's results of operations and financial condition as of January 20, 2026. Item 7.01 - Regulation FD Disclosure: The company is making a disclosure under Regulation Fair Disclosure, indicating material information is being disclosed to the public. Item 9.01 - Financial Statements and Exhibits: The filing…

Our analysis rates this filing CAUTIOUS. Simmons First National Corporation presents an elevated concern profile characterized by a defensive balance sheet posture offset by modest operational improvements. The bank is experiencing simultaneous pressures across multiple dimensions: (1) realized…

Concern level: HIGH (6.8/10). Key factors: Credit Quality Deterioration: Material charge-offs from two previously disclosed credit relationships materialized, indicating concentrated credit risk moved from monitoring to realization phase (severity 7/10); Investment Securities Portfolio Collapse: 47% year-over-year decline ($6.2B to $3.3B) suggests significant mark-to-market losses or forced…

Notable risk changes: Material credit losses materialized from two previously disclosed credit relationships, indicating concentrated credit risk that moved from monitoring to realization phase; Investment securities portfolio contracted 47% YoY ($6.2B to $3.3B), suggesting significant mark-to-market losses or strategic de-risking in fixed income holdings; Total deposits declined 7.8% YoY despite positive sequential…

The model predicts SFNC will outperform the S&P 500 by about 0.0% over 30 days. This is model analysis for research, not investment advice.