Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 2

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 2
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| Legal Matters                                         |     |      | S-53 |
| Experts                                               |     |      | S-53 |

Prospectus

|                                     |     | Page |   |
| About This Prospectus               |     |      | 1 |
| Where You Can Find More Information |     |      | 2 |
| The Company                         |     |      | 3 |
| Risk Factors                        |     |      | 4 |
| Use of Proceeds                     |     |      | 4 |
| Legal Matters                       |     |      | 4 |
| Experts                             |     |      | 4 |

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ABOUT THIS PROSPECTUS SUPPLEMENT AND THE ACCOMPANYING PROSPECTUS

This document is composed of two parts. The first part is this prospectus supplement, which describes the specific terms
of this offering, the risks of investing in the Notes and certain other matters relating to us and our financial condition. This prospectus supplement also adds to and updates information contained in the accompanying prospectus and the documents
incorporated by reference into this prospectus supplement and the accompanying prospectus. The second part of this document is the accompanying prospectus, dated May 17, 2024, which is included as part of our automatic shelf registration
statement on Form S-3ASR (File No. 333-279502). That registration statement and the accompanying prospectus provide more general information about securities that we may offer from time to time, some
of which may not apply to this offering. It is important for you to read and consider carefully all information contained or incorporated by reference in this prospectus supplement, the accompanying prospectus and any permitted free writing
prospectuses we have authorized for use with respect to this offering before investing in our securities. See “Where You Can Find More Information” and “Incorporation by Reference” for additional information.

This prospectus supplement, or the information incorporated by reference in this prospectus supplement, may add, update or change information
in the accompanying prospectus. If information in this prospectus supplement is inconsistent with the accompanying prospectus, this prospectus supplement will supersede the information in the accompanying prospectus.

In various places in this prospectus supplement and the accompanying prospectus, we refer you to sections of other documents for additional
information by indicating the caption heading of the other sections. All cross-references in this prospectus supplement are to captions contained in this prospectus supplement and not in the accompanying prospectus