SFNC FINANCIAL STATEMENTS

Simmons First National Corporation — balance sheet, income statement and cash flow trends

SFNCSimmons First National Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue568.8 M $-60.4%

Gross Profit45 M $-93.7%

Operating Income-509.4 M $-409.6%

EBITDA-426.5 M $-303.2%

Net Income-361.4 M $-347.2%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SFNC	—	—	—	-63.5%
EQB	—	—	—	6.6%
BOQ	—	—	—	2.0%
BFL	—	—	—	30.2%
BEN	—	—	—	—
KLNMA	—	—	—	58.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity3.4 B $14%
Current Liabilities8.7 M $0%
Long-term Liabilities21.2 B $86%

Key Figures

YoY change

Total Assets24.7 B $-7.8%

Total Liabilities21.3 B $-8.6%

Total Equity3.4 B $-2.7%

Cash & ST Investments3.5 B $+11.8%

Total Debt771.2 M $-40.7%

Net Debt428.6 M $-35.7%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SFNC	413.00	22.4%	6.39	13.9%
EQB	0.09	496.5%	40.36	6.2%
BOQ	0.05	258.4%	49.89	6.0%
BFL	33.68	9.1%	-3.30	12.0%
BEN	0.03	142.6%	—	6.6%
KLNMA	—	0.0%	-0.00	17.7%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SFNC	413.00	22.4%	6.39	13.9%
TOWN	3.08	17.4%	1.70	13.2%
BOH	5.43	4.9%	-1.07	7.8%
PRK	1.43	9.9%	0.07	13.1%
BANC	0.41	98.6%	7.80	10.2%
CVBF	0.28	42.8%	2.90	15.0%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow456 M $+13.7%

Capital Expenditures34.3 M $-25.2%

Free Cash Flow421.7 M $+18.7%

Dividends Paid-119.5 M $-212.9%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SFNC	80.2%	74.1%	6.0%	-126.2%
EQB	-2.9%	-7.6%	3.1%	-44.2%
BOQ	13.1%	13.0%	0.2%	668.4%
BFL	116.9%	27.7%	2.8%	386.6%
BEN	—	—	—	—
KLNMA	58.1%	57.8%	0.3%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SFNC	80.2%	74.1%	6.0%	-126.2%
TOWN	16.7%	11.8%	4.8%	112.9%
BOH	22.5%	20.5%	5.2%	109.4%
PRK	27.5%	26.2%	1.4%	106.5%
BANC	15.9%	14.7%	1.2%	117.0%
CVBF	37.5%	36.8%	0.7%	115.6%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.