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Simmons First National (SFNC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Simmons First National (SFNC) Q3 2026 earnings results →
Q3 2026 19¢ of every $1 of revenue kept as net profit · operating margin 22.7%
Simmons First National made $251M in Q3 2026: Net interest income $204M, Noninterest income $47.2M. Operating margin 22.7%, net earnings $47.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $251.2M in Q3 2026, up 1% from the previous quarter. Net interest income was the largest line at 81% of revenue.
Operating profit was $57.0M, a 22.7% margin. Net earnings were $47.1M. The effective tax rate was 17.3%.
Operating cash flow was $43.5M, 92% of net earnings. Non-cash charges added back $10.1M of depreciation and amortization and $3.1M of share-based compensation. Working capital and other items used $16.8M. Capital expenditures of −$15.2M left free cash flow of $58.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $251M | — | 22.7% | $47.1M | $43.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Simmons First National
Simmons First National Corporation, an Arkansas corporation organized in 1968, is a financial holding company registered under the Bank Holding Company Act of 1956, as amended. The terms “Company,” “we,” “us,” and “our” refer to Simmons First National Corporation and, where appropriate, its subsidiaries. The Company is headquartered in Pine Bluff, Arkansas, and had total consolidated assets of $24.54 billion, total consolidated loans of $17.49 billion, total consolidated deposits of $20.18 billion and equity capital of $3.42 billion, each as of December 31, 2025. The Company, through its subsidiaries, provides banking and other financial products and services in markets located in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas.
In its own words, from its 10-K, filed Feb 25, 2026.
Simmons First National against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Operating margin: 22.7% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SFNC Simmons First National | Q3 2026 | $251M | — | 22.7% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Simmons First National 10-Q on SEC EDGAR · CIK 90498 · National Commercial Banks
Guidance and outlook
13F: who owns SFNC and who is buying
More on SFNC
History
Every quarter: Q3 2026 results