Core Viewpoint - Simmons First National Corporation (SFNC) is expected to report an increase in third-quarter 2025 earnings and revenues compared to the same quarter last year, driven by higher net interest income and improved lending activity, despite lower non-interest income impacting overall results [1][9]. Earnings Performance - SFNC has a solid earnings surprise history, outperforming the Zacks Consensus Estimate in three of the last four quarters, with an average beat of 1.44% [2]. Factors Influencing Q3 Earnings - The Federal Reserve's recent interest rate cut of 25 basis points to 4.00-4.25% is likely to have stabilized funding and deposit costs, supporting growth in net interest income (NII) for SFNC [3]. - The Zacks Consensus Estimate for NII is projected at $184.9 million, reflecting a 7.7% increase from the previous quarter [4]. Non-Interest Revenues - Mortgage rates have declined significantly during the third quarter, leading to decent refinancing activity and origination volumes, which is expected to boost SFNC's mortgage income [5]. - The consensus estimate for mortgage lending income is $1.8 million, indicating a 3.6% increase from the prior quarter [6]. - Wealth management fees are estimated at $38.2 million, a rise of 16.5% from the previous quarter, while debit and credit card fees are projected at $34.3 billion, reflecting a 4.3% increase [6]. - Total non-interest income is estimated at $176.8 billion, showing a marginal increase from the prior quarter [7]. Asset Quality - SFNC is expected to maintain a modest reserve for potential delinquent loans, particularly in light of anticipated interest rate cuts and the impact of tariffs on inflation [8]. - The Zacks Consensus Estimate for non-performing assets is $160.3 million, indicating a 3.9% decrease from the previous quarter [9]. Earnings Estimates - The consensus estimate for third-quarter earnings is 48 cents per share, representing a 29.7% increase from the year-ago figure, while revenues are expected to reach $228.9 million, a 30.9% rise from the same period last year [11].

Group 1 - Jodie Cochran has been appointed as the National Sales and Production Manager of mortgage warehouse lending at Simmons Bank, bringing nearly 25 years of experience in the industry [1][2] - Cochran's responsibilities will include client acquisition, training, marketing, and developing referral sources within the mortgage banking sector [1][2] - David Frase, president of warehouse lending at Simmons Bank, highlighted Cochran's expertise and leadership as significant assets for the bank's expansion efforts [2] Group 2 - Prior to joining Simmons Bank, Cochran held various positions in correspondent sales, retail, wholesale, and warehouse lending at two large money center banks [2] - Cochran holds multiple professional designations, including Accredited Mortgage Professional (AMP), Certified Mortgage Banker (CMB), and Certified Mortgage Leader (CML) [2] - Simmons Bank, a subsidiary of Simmons First National Corporation, operates over 220 branches across several states and has a long history of paying cash dividends for 116 consecutive years [3]

Core Viewpoint - Income investors prioritize generating consistent cash flow from liquid investments, with dividends being a significant component of long-term returns [1][2]. Company Overview - Simmons First National (SFNC) is a finance stock that has experienced a price decline of 12.71% this year [3]. - The company currently pays a dividend of $0.21 per share, resulting in a dividend yield of 4.39%, which is significantly higher than the Banks - Southeast industry's yield of 2.28% and the S&P 500's yield of 1.49% [3]. Dividend Analysis - The annualized dividend of SFNC is $0.85, reflecting a 1.2% increase from the previous year [4]. - Over the past five years, SFNC has increased its dividend five times, achieving an average annual increase of 5.01% [4]. - The current payout ratio for SFNC is 58%, indicating that the company distributes 58% of its trailing 12-month earnings per share as dividends [4]. Earnings Growth Expectations - For the fiscal year, SFNC anticipates solid earnings growth, with the Zacks Consensus Estimate for 2025 projected at $1.72 per share, representing a year-over-year growth rate of 21.99% [5]. Investment Considerations - SFNC is positioned as an attractive investment opportunity due to its strong dividend yield and a favorable Zacks Rank of 2 (Buy) [6].

Group 1 - Simmons First National Corporation is scheduled to release its third quarter 2025 earnings on October 16, 2025, after market closing [1] - A live conference call will be held on October 17, 2025, at 7:30 a.m. Central Time to discuss the earnings [1] - The conference call can be accessed by dialing a toll-free number and will also be available live and recorded on the company's website for at least 60 days [1] Group 2 - Simmons First National Corporation has paid cash dividends to shareholders for 116 consecutive years [2] - The company operates over 220 branches across six states: Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas [2] - Simmons Bank has received multiple accolades, including recognition as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025 [2]

Group 1 - Newmont Corporation (NEM) has seen a 14.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Simmons First National Corporation (SFNC) has experienced a 7.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Vertiv Holdings Co (VRT) has recorded a 7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Dorman Products, Inc. (DORM) has seen an 11.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Masco Corporation (MAS) has also experienced an 11.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Group 1 - Simmons First National Corporation (SFNC) has seen a 7.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days and offers a dividend yield of 4.2%, significantly higher than the industry average of 2.3% [1] - Newmont Corporation (NEM) has experienced a 14.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days and has a dividend yield of 1.2%, compared to the industry average of 0.0% [2] - Masco Corporation (MAS) has had an 11.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2]

Event Overview - The inaugural Caddie Shootout will take place on October 21, 2025, from 6-9 p.m. at Pleasant Valley Country Club, Little Rock, Arkansas [1] - This competition will feature caddies paired in two-man teams for an alternate-shot format on Holes 16, 17, and 18, with eliminations on each hole until a champion is determined [2] Ticket Information - Tickets for the event are priced at $75, which includes entry to the Western-themed event, access to hospitality areas, live music, and food and drinks from local restaurants [2] - Ticket availability is limited, and early purchase is encouraged through the tournament's official website [2] Tournament Context - The Caddie Shootout is part of the Simmons Bank Championship presented by Stephens, scheduled for October 20-26, 2025, at Pleasant Valley Country Club [3] - The Simmons Bank Championship is a PGA TOUR Champions Charles Schwab Cup Playoff event featuring a 54-player field and a total purse of $2.3 million, emphasizing charitable contributions [5] Company Background - Simmons Bank, a subsidiary of Simmons First National Corporation, operates over 220 branches across several states and has a long history of paying cash dividends for 116 consecutive years [6] - The bank has received multiple accolades, including recognition as one of America's Best Regional Banks and Best Companies to Work For in the South [6]

Core Points - Simmons First National (NASDAQ:SFNC) announced a public underwritten offering of $325 million in subordinated notes with a fixed-to-floating rate of 6.25%, maturing in 2035 [2] - The notes were priced at par, indicating a stable market reception [2] - The net proceeds from this offering, along with existing cash, are intended for unspecified uses [2]

Core Viewpoint - Simmons First National Corporation has announced the pricing of a public offering of $325 million in 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035, priced at par [1][2]. Group 1: Offering Details - The net proceeds from the offering will be used to repay the outstanding $330 million principal amount of Fixed-to-Floating Rate Subordinated Notes due 2028 and for general corporate purposes [2]. - The offering is expected to close on or about September 12, 2025, subject to customary conditions [3]. - The offering is made under an effective automatic shelf registration statement previously filed with the SEC, and the Notes will be issued under a Subordinated Indenture [4]. Group 2: Company Background - Simmons First National Corporation is a financial holding company based in the Mid-South, with a history of paying cash dividends for 116 consecutive years [7]. - Its principal subsidiary, Simmons Bank, operates over 220 branches across several states, including Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas [7]. - Simmons Bank has received multiple recognitions, including being named one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025 [7].

Company Overview - Simmons First National (SFNC) is a bank holding company based in Pine Bluff, operating in the Finance sector. The company's shares have experienced a price change of -10.05% this year [3]. Dividend Information - SFNC currently pays a dividend of $0.21 per share, resulting in a dividend yield of 4.26%, which is significantly higher than the Banks - Southeast industry's yield of 2.34% and the S&P 500's yield of 1.51% [3]. - The annualized dividend of $0.85 has increased by 1.2% from the previous year. Over the last five years, SFNC has raised its dividend five times, achieving an average annual increase of 5.01% [4]. Earnings Growth - The Zacks Consensus Estimate for SFNC's earnings in 2025 is projected at $1.66 per share, indicating a year-over-year earnings growth rate of 17.73% [5]. Payout Ratio - SFNC has a current payout ratio of 58%, meaning it distributes 58% of its trailing 12-month earnings per share as dividends [4]. Investment Appeal - SFNC is characterized as an attractive dividend play and a compelling investment opportunity, holding a Zacks Rank of 1 (Strong Buy) [6].