NASDAQ$SFNC

Simmons First National Corp · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Simmons reported net income and diluted earnings per share for Q3 2023.

Simmons First National Corporation reported a net income of $47.2 million and diluted earnings per share of $0.37 for the third quarter of 2023. Adjusted earnings were $48.8 million and adjusted earnings per share were $0.39. The company achieved its Better Bank Initiative cost savings target one quarter sooner than anticipated, leading to a 5% decline in noninterest expense. Average loans were up 9% and average deposits were up 3% year-over-year.

  • Net income of $47.2 million and diluted EPS of $0.37.
  • Adjusted earnings of $48.8 million and adjusted diluted EPS of $0.39.
  • Execution of Better Bank Initiative led to a 5% decline in noninterest expense.
  • Total revenue of $196.2 million; PPNR of $64.2 million; Adjusted PPNR of $66.3 million.

Headline financials

Total Revenue

$196M

Previous: $237M-17.1%
EPS (adj)

$0.39

Previous: $0.64-39.1%
Book Value per Share

$26.26

No prior period
Tangible Book Value per Share

$14.77

No prior period
Net Interest Margin

2.6%

Previous: 3.3%-21.9%
Cost of Deposits

2.4%

No prior period
Net Charge-off Ratio

0.3%

No prior period
Capital Expenditures

-$26.6M

Previous: -$25.8M-3.1%
Free Cash Flow

$20.7M

Previous: $54.8M-62.3%
Net Income

$47.2M

Previous: $80.6M-41.4%
Operating Income

-$14.7M

Previous: $154M-109.5%
Gross Profit

$188M

Previous: $237M-20.3%
Cash & Equivalents

$606M

Previous: $679M-10.9%
Total Assets

$27.6B

Previous: $27.1B+1.8%
Stock-Based Comp

$1.6M

Previous: $3.31M-51.7%

Revenue & EPS history

Simmons · Revenue · Quarterly

$196M

Q3 2023-17.1%vs Q3 2022
Beat estimate in 3 of 14 quarters(21%)
ActualEstimate

Revenue by segment

Simmons · $208M total across 2 segments · Q2 2023

  • Net Interest Income
    $163M-11.8%
  • Noninterest Income
    $45M+11.9%

Forward guidance

This press release contains forward-looking statements regarding Simmons' future growth, business strategies, lending capacity, and other financial aspects. These statements are based on various assumptions and involve inherent risks and uncertainties.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

-0.8%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+2.2%

Avg return

30 days after

42%

28 / 66 earnings

Positive

+10.6%

Q2 2019

Best reaction

-9.9%

Q4 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.4%+3.5%+0.2%
Q4 2025+8.9%+3.8%+11.4%
Q3 2025+1.6%-1.5%-0.4%
Q2 2025-0.9%+0.0%+2.3%
Q1 2025-4.0%-1.0%+10.1%
Q4 2024-1.6%-0.8%-3.6%
Q3 2024-2.3%+0.0%+5.1%
Q2 2024+1.4%-1.1%-0.9%
Q1 2024-5.1%-6.9%-6.2%
Q4 2023+6.0%+6.4%-1.5%
Q3 2023-8.1%-7.4%+5.5%
Q2 2023+0.6%+0.5%-11.0%
Q1 2023-4.6%+1.6%+1.6%
Q4 2022-5.9%-5.0%-1.8%
Q3 2022-5.8%-1.9%-3.6%
Q2 2022+0.9%+1.4%+13.2%
Q1 2022-3.0%-0.9%+5.1%
Q4 2021-2.7%-2.1%-2.1%
Q3 2021-6.5%-4.1%-2.9%
Q2 2021+1.3%+0.8%+5.5%
Q1 2021-2.6%+0.6%+4.0%
Q4 2020-1.9%-6.6%+12.1%
Q3 2020-2.4%+3.4%+16.3%
Q2 2020+7.2%+9.3%+6.8%
Q1 2020-4.3%-2.4%-10.0%
Q4 2019-2.9%-4.8%-4.3%
Q3 2019+1.2%+2.1%+3.4%
Q2 2019+10.6%+11.4%+7.0%
Q1 2019-3.6%-3.1%-4.6%
Q4 2018-4.6%-5.2%+3.4%
Q3 2018-0.9%-3.5%+5.6%
Q2 2018+0.6%-3.8%+0.5%
Q1 2018+5.4%+5.6%+9.2%
Q4 2017+0.5%-0.1%-0.3%
Q3 2017-1.4%-1.6%-8.5%
Q2 2017+1.9%+3.1%-1.2%
Q1 2017+0.4%+2.1%-2.5%
Q4 2016+3.5%+3.7%+2.8%
Q3 2016-0.5%+0.9%+21.6%
Q2 2016-1.9%-4.2%-0.6%
Q1 2016-1.0%
Q4 2015-9.9%
Q3 2015+9.3%
Q2 2015-3.7%
Q1 2015-1.2%
Q4 2014+2.9%
Q3 2014-2.0%
Q2 2014-5.1%
Q1 2014+3.6%
Q4 2013-1.5%
Q3 2013+0.4%
Q2 2013+0.1%
Q1 2013+0.3%
Q4 2012+1.0%
Q3 2012+0.9%
Q2 2012-0.7%
Q1 2012-0.9%
Q4 2009+2.8%
Q1 2011+2.8%
Q4 2011+2.8%
Q3 2011-5.4%
Q3 2010-5.4%
Q2 2010-6.6%
Q4 2010-6.6%
Q2 2011-6.6%
Q1 2010+0.1%

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