Credit and interest ratesnegative · 4 filings
“Interest expense decreased $20.1 million due to the decrease in rate of 58 basis points on interest-bearing deposit accounts.”10-Q · May 6, 2026 ↗
Simmons First National Corporation
SFNC
Market read
Simmons First National Corporation's current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 15 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Company+0.2% todayVolume comparison unavailable
Market group0 of 15 activeRegional Banks · unavailable
Disclosed network0 of 1 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- Interest expense decreased materially due to lower deposit account rates (58 bps), reducing interest expense by $20.1 million in the period.
Invalidation: The isolated read changes if SFNC's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 15 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- Interest expense decreased materially due to lower deposit account rates (58 bps), reducing interest expense by $20.1 million in the period.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods0
Price observations328
Usable filing statements96
Verified relationships1
Evidence supporting the case
No qualifying supportive evidence was identified.
Evidence challenging the case
- Credit and interest rates has repeated adverse evidence across 4 filings.
Questions before a position
No credible peer-relative valuation comparison is available yet.
Longer-term price context
Price as of Sep 11, 2026
23.206m+22.7%12m+13.0%24m—
What management says matters
Persistent and emerging business drivers
Legal and regulatory exposuremixed · 2 filings
“The proceeds of this issuance were used to redeem $330.0 million of our 5.00% Fixed-to-Floating Rate Subordinated Notes (“2018 Notes”), which qualified as Tier 2 regulatory capital but were subject to amortizing regulatory capital treatment as they approached…”10-K · Feb 25, 2026 ↗
Macroeconomic conditionsnegative · 1 filings
“The decrease in nonaccrual loans was primarily due to an overall improvement in economic conditions from pandemic related stresses.”10-K · Feb 25, 2026 ↗
Restructuring and cost reductionsmixed · 1 filings
“Excluding the FDIC special assessment of $1.8 million recorded during the year ended December 31, 2024, which was levied to support the Deposit Insurance Fund following the failure of certain banks in 2023, deposit insurance expense decreased by $1.9 million…”10-K · Feb 25, 2026 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales — · EV/sales —. Comparisons use only industry-matched filing peers.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
23.20+0.2% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 11 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for SFNC. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for SFNC. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind SFNC
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depended on by
PBTPermian Basin Royalty TrustinvesteeMar 27, 2026 ▾
“Effective October 19, 2017, Simmons First National Corporation (“SFNC”) completed its acquisition of First Texas BHC, Inc., the parent company of Southwest Bank.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 6 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
SFNC is currently a Follower in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.