Simmons First (SFNC) Q1 2026 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Fri, April 17, 2026 astatine 9:48 AM CDT 34 min read

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Friday, April 17, 2026 astatine 8:30 a.m. ET

• President and Chief Executive Officer — Jay Brogdon

• Chief Financial Officer — Daniel Hobbs

• Executive Vice President, Director of Investor Relations — Edward Bilek

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Edward Bilek: Good morning, and invited to Simmons First National Corporation's First Quarter 2026 Earnings Call. Joining maine contiguous are respective members of our enforcement absorption team, including President and CEO, Jay Brogdon; and CFO, Daniel Hobbs. Today's telephone volition beryllium successful a Q&A format. Before we begin, I would similar to punctual you that our archetypal 4th net materials including the net merchandise and presumption platform are disposable connected our website astatine simmonsbank.com nether the Investor Relations tab. During today's call, we volition marque forward-looking statements astir our aboriginal plans, goals, expectations, estimates, projections and outlook including, among others, our outlook regarding aboriginal economical conditions, involvement rates, lending and deposit activity, recognition quality, liquidity and nett involvement margin.

These statements impact risks and uncertainties, and you should truthful not spot undue reliance connected immoderate forward-looking statements arsenic existent results could disagree materially from those expressed successful oregon implied by the forward-looking statements owed to a assortment of factors. Additional accusation concerning immoderate of these factors is contained successful our net merchandise and capitalist presumption furnished with our Form 8-K yesterday arsenic good arsenic our Form 10-K for the twelvemonth ended December 31, 2025, including the hazard factors contained successful that filing. These forward-looking statements talk lone arsenic of the day they are made, and Simmons assumes nary work to update oregon revise immoderate forward-looking statements oregon different information.

Finally, successful this presentation, we volition sermon definite non-GAAP fiscal metrics we judge supply utile accusation to investors. Additional disclosures regarding non-GAAP metrics including the reconciliations of these non-GAAP metrics to GAAP are contained successful our net merchandise and capitalist presentation, which are furnished arsenic exhibits to the Form 8-K we filed yesterday with the SEC and are besides disposable connected the Investor Relations leafage of our website, simmonsbank.com. Operator, we're acceptable to statesman the Q&A session.

Operator: [Operator Instructions] The archetypal question comes from David Feaster with Raymond James.

David Feaster: I wanted to commencement connected the maturation front. It was a terrific 4th for growth. 10% annualized, it was diverse, pipelines stay solid. I deliberation 1 of the concerns that the markets had implicit the past fewer years, we've truly questioned your quality to turn similar this. And you're intelligibly showing what you tin do. I conjecture my question is, is what's changed to get here? Is this a relation of demand? Is payoffs and paydowns improving?