Simmons First National Q4 Earnings Call Highlights

2 days ago 3

MarketBeat

Wed, January 21, 2026 astatine 10:27 AM CST 8 min read

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Q4 saw the strongest indebtedness accumulation successful years—total loans grew astir 7% annualized portion absorption said "underlying" maturation was good supra that—but the slope is forecasting low-to-mid single-digit indebtedness maturation for 2026, citing timing effects, paydowns and a continued absorption connected recognition discipline.
The linked-quarter nett involvement borderline roseate 31 bps to 3.81%, driven by a prior-quarter balance-sheet restructuring and halfway NIM expansion; absorption expects a comparatively unchangeable 2026 borderline with imaginable assistance into the "mid-380s" by Q4, noting deposit premix and integrated low-cost deposit maturation arsenic cardinal upside factors and assuming Fed cuts successful May and August.
Deposit growth is simply a superior strategical precedence (management reduced astir $1.4B of brokered deposits), portion ratio efforts nether the Better Bank programme person pushed expenses beneath 4Q‑2022 run-rate and absorption said reserves were "more than adequate" aft resolving occupation credits and selling the Equipment Finance unit.
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Simmons First National (NASDAQ:SFNC) executives utilized the company’s fourth-quarter 2025 net telephone to item stronger indebtedness production, a sharply improved nett involvement borderline compared with a twelvemonth earlier, and continued advancement connected disbursal initiatives, portion besides emphasizing that deposit maturation remains a cardinal strategical priority.

Management said fourth-quarter indebtedness maturation marked the strongest accumulation gait successful astatine slightest a mates of years, much than offsetting elevated paydowns. CEO Jay Brogdon noted that immoderate parts of the portfolio were seasonally weaker successful the quarter, including cultivation lending and owe warehouse loans, and that the institution besides divested definite loans and recorded charge-offs. As a result, helium said the “underlying” maturation complaint was “well successful excess” of the astir 7% annualized maturation disclosed for full loans.

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Even with the beardown quarter, Brogdon cautioned against extrapolating that gait into adjacent year. He said the company’s outlook for 2026 is for low-to-mid single-digit indebtedness growth, citing some timing effects successful precocious 3rd 4th and aboriginal 4th fourth pipelines and the bank’s continued absorption connected recognition subject and profitability successful competitory markets.

On pipeline details, absorption described “approved and acceptable to close” commitments arsenic a peculiarly steadfast indicator of near-term backing and said that metric was astatine a multi-quarter high, supporting accumulation expectations aboriginal successful the year. Brogdon added that the wide pipeline level—typically betwixt astir $1.5 cardinal and $2 billion—was wrong a mean scope for the slope and that opportunities were broad-based crossed its footprint.