Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 75

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 75
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 tax advisors regarding the possible implications of FATCA on their investment in the Notes.

The discussion of U.S. federal income tax considerations set forth above is included for general information only and may not be applicable depending upon a holder’s particular situation. Prospective

S-48

purchasers of the Notes are urged to consult their own tax advisors with respect to the tax consequences to them of the purchase, ownership and disposition of Notes, including the tax consequences under state, local, estate, foreign and other tax laws and the possible effects of changes in U.S. or other tax laws.

S-49

UNDERWRITING We have entered into an underwriting agreement, dated September 9, 2025, with Keefe, Bruyette & Woods, Inc. and Morgan Stanley & Co. LLC, as representatives of the underwriters named below. Subject to certain conditions, each underwriter has agreed, severally but not jointly, to purchase the aggregate principal amount of Notes in this offering set forth next to its name in the following table.

| Underwriters                     |     | Principal Amount of 
 Notes               |             |
|:---------------------------------|:----|:--------------------|------------:|
| Keefe, Bruyette & Woods, Inc.    |     | $                   | 162,500,000 |
| Morgan Stanley & Co. LLC         |     |                     | 113,750,000 |
| Piper Sandler & Co.              |     |                     |  16,250,000 |
| Raymond James & Associates, Inc. |     |                     |  16,250,000 |
| Stephens Inc.                    |     |                     |  16,250,000 |
| Total:                           |     | $                   | 325,000,000 |

The underwriting agreement provides that the obligations of the several underwriters to purchase the Notes offered hereby are subject to certain conditions precedent and that the underwriters are obligated to purchase all of the Notes offered by this prospectus supplement if any of the Notes are purchased. We have agreed to indemnify the underwriters against some specified types of liabilities, including liabilities under the Securities Act of 1933, as amended, and to contribute to payments the underwriters may be required to make in respect of any of these liabilities. The Notes sold by the underwriters to the public will be offered at the public offering price set forth on the cover of this prospectus supplement. The underwriters may offer the Notes to selected dealers at the public offering price