Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 79

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 79
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 for their own account and for the accounts of their customers, and such investment and
securities activities may involve securities or instruments issued by us and our affiliates. If the underwriters or their respective affiliates have a lending relationship with us, they routinely hedge their credit exposure to us consistent with
their customary risk management policies. The underwriters and their respective affiliates may hedge such exposure by entering into transactions which consist of either the purchase of credit default swaps or the creation of short positions in our
securities or the securities of our affiliates. Any such short positions could adversely affect future trading prices of the securities offered hereby. The underwriters and their respective affiliates may also communicate independent investment
recommendations, market color or trading ideas or publish or express independent research views in respect of such securities or instruments and may at any time hold, or recommend to clients that they acquire, long or short positions in such
securities and instruments.

S-52

LEGAL MATTERS

The validity of the securities offered hereby and certain other legal matters in connection with the offering will be passed upon for us by
Troutman Pepper Locke LLP. Nelson Mullins Riley
& Scarborough, LLP will pass upon certain legal matters for the underwriters.

EXPERTS

The consolidated financial statements of Simmons First National Corporation as of December 31, 2024 and 2023 and for each of the years in
the three-year period ended December 31, 2024 and the effectiveness of internal control over financial reporting as of December 31, 2024 incorporated in this prospectus supplement by reference from the Annual Report have been audited by
Forvis Mazars, LLP, an independent registered public accounting firm, as stated in their reports thereon, incorporated herein by reference, and have been incorporated in this prospectus supplement in reliance upon such reports and upon the authority
of such firm as experts in accounting and auditing.

S-53

PROSPECTUS

Class A Common Stock

Preferred Stock

Debt Securities

Depositary Shares

Warrants

Purchase Contracts

Subscription Rights

Units

We may offer and sell from time to time, together or separately, in one or more offerings, any combination of the securities listed above. The
securities we may offer may be convertible into or exchangeable for other securities. The securities listed above may be offered by us and/or may be offered and sold, from time to time, by one or more selling shareholders to be identified in the
future. Each time we offer any securities pursuant to this prospectus