SIMMONS FIRST NATIONAL CORP financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data SIMMONS FIRST NATIONAL CORP files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Interest expense	21.8	40.1	128	181	120	79.5	144	560
Interest income	33.5	40.1	53.5	63.4	64.5	112	158	207	216	165
Income tax	46.6	62	50.4	64.3	64.9	61.3	50.1	25.5	18.6	-130
Net income	96.8	92.9	216	238	255	271	256	175	153	-398
EPS, basic	1.58	1.34	2.34	2.42	2.32	2.47	2.07	1.39	1.22	-2.96
EPS, diluted	1.56	1.33	2.32	2.41	2.31	2.46	2.06	1.38	1.21	-2.95
Shares, basic (weighted)	61.3	69.4	92.3	98.4	110	110	124	126	125	134
Shares, diluted (weighted)	61.9	69.9	92.8	98.8	110	110	124	127	126	135
Dividend per share	0.48	0.50	0.60	0.64	0.68	0.72	0.76	0.80	0.84	0.85

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	286	598	833	997	3,472	1,651	682	614	687	712
Short-term investments				164
Property, plant and equipment	199	287	295	492
Lease right-of-use assets				40.7	31.3	48.9	46.8	67.3	67.2	51.2
Goodwill	349	843	846	1,056	1,075	1,146	1,320	1,321	1,321	1,321
Intangible assets	53	106	91.3	127	111	106	129	113	97.2	84.4
Total assets	8,400	15,000	16,543	21,259	22,360	24,725	27,461	27,346	26,876	24,541
Long-term debt	334	219	369	436	1,725	1,722	390	389	387	335
Total liabilities	7,249	12,971	14,297	18,270	19,383	21,476	24,192	23,919	23,347	21,122
Total debt	334	1,521	1,699	1,686	1,725	1,722	1,225	1,339	1,112	620
Paid-in capital	712	1,586	1,598	2,117	2,014	2,165	2,530	2,500	2,512	2,847
Retained earnings	454	515	675	849	901	1,093	1,256	1,330	1,377	864
Other comprehensive income	-15.2	-17.3	-27.4	20.9	59.7	-10.5	-518	-404	-361	-293
Shareholders' equity	1,151	2,085	2,246	2,989	2,977	3,249	3,269	3,426	3,529	3,419
Total equity	1,151	2,085	2,246	2,989	2,977	3,249	3,269	3,426	3,529	3,419
Total liabilities and equity	8,400	15,056	16,543	21,259	22,360	24,725	27,461	27,346	26,876	24,541
Shares outstanding	62.6	92	92.3	114	108	113	127	125	126	145

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	96.8	92.9	216	238	255	271	256	175	153	-398
Depreciation and amortization	17	21.1	28.4	36.3	49	47.2	49	47.9	46.1	40.8
Stock-based compensation	3.42	10.7	9.73	12.9	13.2	15.9	15.3	12.2	11.3	10.8
Deferred income tax	9.83	23.3	8.41	34.9	-0.12	10.9	14.9	-2.46	-2.78
Cash from operations	91.1	115	227	256	203	278	322	541	426	450
Capital expenditures	-18.9	-34.2	-29.7	-67.8	-13.3	-47.9	-35.3	-33.1	-45.5	-38.1
Acquisitions	0	-48.1	0	178	0
Purchases of investments	-862	-855	-784	-1,709	-4,141	-5,266	-261	-7.52	-7.07	-597
Sales and maturities of investments	257	488	258	793	2,347	1,002	1,138	303	300	338
Cash from investing	-251	-338	-1,395	604	1,190	-2,538	-946	-184	370	1,572
Stock issued								0	0	327
Share buybacks		0	0	-10.1	-113	-132	-111	-40.3	0	0
Dividends paid	-28.7	-35.1	-55.6	-63.9	-74.6	-78.8	-94.1	-101	-105	-115
Cash from financing	193	536	1,404	-697	1,083	438	-344	-425	-722	-1,997
Net change in cash	33.4	312	235	163	2,476	-1,821	-969	-68	73.3	24.5
Free cash flow	72.2	80.3	197	188	189	230	287	508	380	411
Interest paid	22.1	39.4	123	183	124	82.9	135	541	652	557
Income taxes paid	39.8	35.8	25.7	52	47.8	55.2	25.1	20.9	9.96	19.3

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $23.23 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Return on equity (ROE)	-10.0%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	-1.4%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	-360.4%	Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y	-343.8%	EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y	5.5%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	11.7%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	17.3%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	8.1%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	12.8%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	16.8%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	1.2%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	3.8%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	4.6%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	-3.1%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	1.5%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	2.8%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	-8.7%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-3.7%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	1.9%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	6.8%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	2.7%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	4.1%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.36x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	5.1%	Total debt / total assets.
Liabilities / assets	85.9%	Total liabilities / total assets.
Net debt	$663.8M	Total debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets	5.6%	(Goodwill + intangible assets) / total assets.
Tangible book value	$2.08B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Capex / operating cash flow	8.0%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	-$2.40	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$3.32	Free cash flow / diluted weighted shares.
Operating cash flow per share	$3.61	Cash from operations / diluted weighted shares.
Book value per share	$24.11	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$14.42	Tangible book value / shares outstanding.
Cash per share	$4.08	(Cash + short-term investments) / shares outstanding.
Dividends / FCF	25.7%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$3.36B	Share price x shares outstanding.
Enterprise value	$4.02B	Market cap + total debt - cash - short-term investments.
P/B	0.96x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.61x	Market cap / tangible book value, when positive.
P/FCF	6.97x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	6.41x	Market cap / cash from operations, when positive.
EV/FCF	8.34x	Enterprise value / free cash flow, when both are positive.
FCF yield	14.4%	Free cash flow / market cap.
Earnings yield	-10.4%	Net income / market cap (the inverse of P/E).
Dividend yield	3.7%	Dividends paid over the period / market cap.
Shareholder yield	3.7%	(Dividends paid + share buybacks) / market cap.

Was SIMMONS FIRST NATIONAL CORP profitable in fiscal 2025?

No. It reported a net loss of $397.6M.

How much free cash flow did SIMMONS FIRST NATIONAL CORP generate in fiscal 2025?

Cash from operations of $449.5M minus capital expenditures of $38.1M left free cash flow of $411.4M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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