Simmons First National (US:SFNC) ZACKS·2025-10-16 23:01Core Insights - Simmons First National (SFNC) reported a revenue of $231.97 million for the quarter ended September 2025, marking a year-over-year increase of 32.7% [1] - The earnings per share (EPS) for the same period was $0.46, compared to $0.37 a year ago, although it fell short of the consensus estimate of $0.48, resulting in an EPS surprise of -4.17% [1] Financial Performance - The reported revenue exceeded the Zacks Consensus Estimate of $228.9 million, resulting in a surprise of +1.34% [1] - The efficiency ratio was reported at -25.1%, significantly better than the average estimate of 59.6% based on two analysts [4] - The net interest margin was reported at 3.5%, matching the average estimate from two analysts [4] - Total interest-earning assets (FTE) averaged $21.56 billion, slightly above the average estimate of $21.45 billion [4] - Total nonperforming assets were $160.72 million, slightly higher than the average estimate of $160.32 million [4] - Total nonperforming loans were reported at $153.94 million, compared to the average estimate of $150.16 million [4] - Annualized net charge-offs to average loans were reported at 0.3%, in line with the average estimate [4] - Net interest income (FTE) was $190.47 million, exceeding the average estimate of $188.51 million [4] - Total non-interest income was reported at $45.31 million, surpassing the average estimate of $43.96 million [4] - Net interest income was $186.66 million, compared to the average estimate of $184.99 million [4] Stock Performance - Shares of Simmons First National have returned -3.9% over the past month, while the Zacks S&P 500 composite has seen a +0.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]