Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 14

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 14
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 income tax purposes, such additional notes will have a separate CUSIP or other identifying number. |

| Use of Proceeds | We estimate that the net proceeds from this offering will be approximately $321.3 million, after deducting the underwriting discount and our estimated offering expenses. |

| We intend to use the net proceeds of this offering, together with cash on hand, if needed, to repay in full our outstanding $330 million principal amount of the 2028 Notes on October 1, 2025 and for general 
 corporate purposes. See “Use of Proceeds.”                                                                                                                                                                     |

| Conflict of Interest | Stephens Inc., a co-manager in this offering, is deemed to have a “conflict of interest” under FINRA Rule 5121 as a result of the service of its Chief Financial Officer, Mark Doramus, on our Board of Directors. Accordingly, this       
 offering is being conducted in compliance with Rule 5121. The Notes are rated investment grade, and therefore a qualified independent underwriter is not required pursuant to Rule 5121(a)(1)(C). See “Underwriting — Other Activities and 
 Relationships.”                                                                                                                                                                                                                            |

| Listing | The Notes will not be listed on any securities exchange or quoted on any quotation system. Currently, there is no market for the Notes, and there can be no assurances that any public market for the Notes will develop. |

| ERISA Considerations | For a discussion of certain prohibited transactions and fiduciary duty issues pertaining to purchases by or on behalf of an employee benefit plan, see “Certain ERISA Considerations.” |

| U.S. Federal Income Tax Considerations | For a discussion of material U.S. federal income tax considerations of purchasing, owning and disposing of the Notes, see “Material U.S. Federal Income Tax Considerations.” |

| Governing Law | The Notes and the Indenture will be governed by the laws of the State of New York. |

| Trustee | Wilmington Trust, National Association. |

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RISK FACTORS

An investment in our securities involves a significant degree of risk. The material risks and uncertainties that management believes affect us are described below. Before you decide to invest in our securities, you should carefully read and consider all of the information contained in this prospectus supplement, including the risks and uncertainties described below and under “Cautionary Note Regarding Forward-Looking Statements” in this prospectus supplement, and the other documents incorporated by reference into this prospectus supplement, including, among others, the