SIMMONS FIRST NATL CORP-CL A (NASDAQ:SFNC) Misses Q3 2025 Earnings and Revenue Estimates

Simmons First National Corp (NASDAQ:SFNC) reported financial results for the third quarter of 2025 that fell short of analyst expectations, contributing to negative price action in the stock. The company's earnings release highlighted a significant strategic capital raise and a balance sheet repositioning as central themes of the quarter.

Earnings and Revenue Versus Estimates

The bank's performance for the quarter did not meet the forecasts set by Wall Street analysts. The primary figures fell below consensus estimates.

• Non-GAAP Earnings Per Share (EPS): Reported $0.46 versus an estimate of $0.48.
• Revenue: Reported $231.97 million versus an estimate of $236.43 million.

This dual miss on both the top and bottom lines has been a key focus for investors following the report.

Market Reaction

The market's response to the earnings release has been negative. While the official trading session saw a decline, the immediate after-market reaction indicates a continuation of the downward pressure. This price action suggests investor disappointment with the earnings miss and potentially with the implications of the company's strategic moves announced alongside the results. The stock's performance over recent weeks has also been challenging, with shares down over 11% in the last month, reflecting broader sector concerns and company-specific developments.

Strategic Moves from the Press Release

Chairman and CEO George Makris, Jr. described the quarter as "transformative," centering on a major financial maneuver. The company successfully raised $327 million in equity capital. Management stated the primary goal was to reposition the balance sheet by addressing a "negative arbitrage" between long-term bond yields and shorter-term funding costs. This involved selling a portfolio of bonds, which resulted in a significant one-time loss. Company leadership believes this move, despite the immediate financial hit, will strengthen the bank's financial position and unlock future earnings potential by freeing up capital for growth initiatives.

Analyst Outlook and Forward Estimates

With the third quarter results now public, attention turns to the remainder of the fiscal year and the upcoming quarter. Analyst estimates provide a benchmark for future performance.

• Q4 2025 EPS Estimate: $0.50
• Q4 2025 Revenue Estimate: $243.06 million
• Full-Year 2025 EPS Estimate: $1.73
• Full-Year 2025 Revenue Estimate: $920.49 million

The press release did not provide specific quantitative financial guidance from management to compare against these analyst projections. The company's ability to meet these future estimates will be closely watched as it seeks to demonstrate that its recent balance sheet restructuring will indeed translate into improved earnings.

For a detailed breakdown of historical earnings and future analyst estimates, you can review the data here.

Disclaimer: This article is for informational purposes only and does not constitute financial advice, a recommendation, or an offer or solicitation to buy or sell any securities. The content presented is based on data believed to be reliable but its accuracy cannot be guaranteed. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.