Simmons First National Corporation (SFNC) Income Statement
SFNC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsSFNC revenue and net income
Where SFNC's revenue goes
2025Each bar shows an amount and its share of revenue. SFNC kept −63.4% of revenue as net income.
SFNC profit margins
SFNC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −56.7% | −15.0% | −8.6% | +5.0% |
| Gross profit | −94.9% | −65.2% | −45.9% | −20.4% |
| Operating income | −408.0% | — | — | — |
| Net income | −360.4% | — | — | — |
| EPS (diluted) | +20.6% | −10.7% | −6.7% | +0.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
SFNC quarterly EPS vs estimates
Simmons First National beat the analyst EPS estimate in 5 of the last 8 quarters.
SFNC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $626.8M | $1.45B | $1.34B | $1.02B | $847.9M | $980.9M | $972.0M | $810.2M | $521.6M | $429.1M |
| Cost of revenue | $590.4M | $730.4M | $591.2M | $158.5M | $48.3M | $195.0M | $224.6M | $166.3M | $66.5M | $41.9M |
| Gross profit | $36.4M | $716.0M | $750.4M | $861.1M | $799.6M | $786.0M | $747.4M | $644.0M | $455.1M | $387.2M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $367.6M | $335.4M | $340.1M | $327.5M | $275.5M | $271.1M | $248.7M | $233.9M | $169.2M | $143.9M |
| Total operating expenses | $564.0M | $544.7M | $549.8M | $554.5M | $467.2M | $466.2M | $444.9M | $377.9M | $300.2M | $243.8M |
| Operating income | −$527.7M | $171.3M | $200.6M | $306.6M | $332.5M | $319.8M | $302.4M | $266.1M | $154.9M | $143.4M |
| Interest income | $1.24B | $1.31B | $1.15B | $861.7M | $671.1M | $759.7M | $786.6M | $680.7M | $395.0M | $301.0M |
| Interest expense | $524.6M | $683.6M | $560.0M | $144.4M | $79.5M | $120.0M | $181.4M | $128.1M | $40.1M | $21.8M |
| Income before taxes | −$527.7M | $171.3M | $200.6M | $306.6M | $332.5M | $319.8M | $302.4M | $266.1M | $154.9M | $143.4M |
| Income taxes | −$130.1M | $18.6M | $25.5M | $50.1M | $61.3M | $64.9M | $64.3M | $50.4M | $62.0M | $46.6M |
| Net income | −$397.6M | $152.7M | $175.1M | $256.4M | $271.2M | $254.9M | $238.2M | $215.7M | $92.9M | $96.8M |
| EBITDA | −$475.0M | $217.4M | $248.5M | $355.5M | $379.7M | $368.8M | $338.7M | $294.5M | $176.0M | $160.2M |
| EPS (diluted) | $1.70 | $1.41 | $1.64 | $2.39 | $2.53 | $2.40 | $2.74 | $2.38 | $1.70 | $1.65 |
| Gross margin | 5.8% | 49.5% | 55.9% | 84.5% | 94.3% | 80.1% | 76.9% | 79.5% | 87.3% | 90.2% |
| Operating margin | −84.2% | 11.8% | 15.0% | 30.1% | 39.2% | 32.6% | 31.1% | 32.8% | 29.7% | 33.4% |
| Net margin | −63.4% | 10.6% | 13.0% | 25.1% | 32.0% | 26.0% | 24.5% | 26.6% | 17.8% | 22.6% |
| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $356.2M | $355.6M | $301.8M | $358.8M | $0 | $354.2M | $351.0M | $366.4M | $348.2M | $369.2M | $362.5M | $343.4M |
| Cost of revenue | $117.2M | $124.5M | $104.6M | $125.4M | $138.7M | $155.1M | $171.2M | $174.4M | $188.7M | $186.3M | $180.9M | $179.1M |
| Gross profit | $239.0M | $231.1M | $197.2M | $233.5M | −$584.7M | $199.0M | $179.8M | $192.0M | $159.5M | $182.9M | $181.6M | $164.3M |
| Sales, general & admin | $95.2M | $96.0M | $140.7M | $89.9M | $88.3M | $85.4M | $87.0M | $84.4M | $81.8M | $82.8M | $86.4M | $88.2M |
| Total operating expenses | $182.0M | $147.7M | $140.7M | $139.4M | $138.8M | $135.4M | $141.6M | $138.0M | $134.0M | $136.1M | $136.6M | $144.9M |
| Operating income | $57.0M | $83.4M | $56.5M | $94.0M | −$723.5M | $63.6M | $38.2M | $54.1M | $25.5M | $46.8M | $45.0M | $19.4M |
| Interest income | — | $307.7M | $301.8M | $307.5M | $313.4M | $315.0M | $307.8M | $326.0M | $334.3M | $329.1M | $322.6M | $323.5M |
| Interest expense | $105.1M | $107.1M | $104.6M | $110.2M | $126.8M | $143.2M | $144.4M | $161.0M | $176.6M | $175.2M | $170.7M | $167.9M |
| Income before taxes | $57.0M | $83.4M | $86.1M | $94.0M | −$723.5M | $63.6M | $38.2M | $54.1M | $25.5M | $46.8M | $45.0M | $19.4M |
| Income taxes | $9.9M | $16.7M | $17.5M | $15.9M | −$160.7M | $8.9M | $5.8M | $5.7M | $761,000 | $6.0M | $6.1M | −$4.5M |
| Net income | $47.1M | $66.7M | $68.5M | $78.1M | −$562.8M | $54.8M | $32.4M | $48.3M | $24.7M | $40.8M | $38.9M | $23.9M |
| EBITDA | $57.0M | $93.3M | $66.5M | $103.9M | −$713.5M | $73.9M | $49.0M | $65.3M | $37.2M | $58.4M | $56.5M | $31.4M |
| EPS (diluted) | $0.54 | $0.50 | $0.47 | $0.54 | $0.46 | $0.44 | $0.26 | $0.39 | $0.37 | $0.33 | $0.32 | $0.40 |
| Gross margin | 67.1% | 65.0% | 65.3% | 65.1% | — | 56.2% | 51.2% | 52.4% | 45.8% | 49.5% | 50.1% | 47.8% |
| Operating margin | 16.0% | 23.5% | 18.7% | 26.2% | — | 18.0% | 10.9% | 14.8% | 7.3% | 12.7% | 12.4% | 5.7% |
| Net margin | 13.2% | 18.8% | 22.7% | 21.8% | — | 15.5% | 9.2% | 13.2% | 7.1% | 11.0% | 10.7% | 7.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in SFNC's financial statements (latest annual report filed February 25, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
SFNC financial results
In fiscal year 2025 (ended December 31, 2025), Simmons First National reported revenue of $626.8 million, down 56.7% from the year before. It had a net loss of $397.6 million, a net profit margin of −63.4%. Diluted earnings per share came to $1.70. Over five years revenue grew at an average rate of −8.6% a year.
See the SFNC stock overview for the latest quote and news, or the SFNC chart for price history and technical indicators.
SFNC income statement FAQ
What is Simmons First National's annual revenue?
Simmons First National reported total revenue of $626.8 million for fiscal year 2025, which ended on December 31, 2025. That was down 56.7% from $1.4 billion the previous year.
Is Simmons First National profitable?
No. Simmons First National reported a net loss of $397.6 million in fiscal 2025, a net profit margin of −63.4%; its operating margin was −84.2%.
What is Simmons First National's gross margin?
Simmons First National's gross margin was 5.8% in fiscal 2025: for every $100 of revenue, Simmons First National kept $6 after the direct cost of its products and services.
How fast is Simmons First National growing?
Revenue grew −8.6% a year on average over the last five fiscal years, from $980.9 million to $626.8 million.
What are Simmons First National's earnings per share?
Simmons First National earned $1.70 per diluted share in fiscal 2025, compared with $1.41 a year earlier.
When does Simmons First National's fiscal year end?
Simmons First National's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 25, 2026.