Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 78

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 78
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, once
commenced, will not be discontinued without notice

Electronic Prospectus Delivery

This prospectus supplement and the accompanying prospectus may be made available in electronic format on websites or through other online
services maintained by the underwriters or their affiliates.

Other than the prospectus supplement and the accompanying prospectus in
electronic format, information on such websites and any information contained in any other website maintained by any of the underwriters or their affiliates is not part of this prospectus supplement or our registration statement of which the related
prospectus forms a part, has not been approved or endorsed by us or the underwriters in their capacity as underwriters and should not be relied on by investors.

S-51

Other Activities and Relationships

The underwriters and their respective affiliates are full service financial institutions engaged in various activities, which may include
securities trading, commercial and investment banking, financial advisory, investment management, investment research, principal investment, hedging, financing and brokerage activities. Certain of the underwriters and their respective affiliates
have, from time to time, performed, and may in the future perform, various commercial and investment banking and financial advisory services for us and our affiliates, for which they received or will receive customary fees and expenses.

Morgan Stanley, one of the joint book-running managers in this offering, provided advisory and execution services in connection with our
balance sheet repositioning transaction completed on July 23, 2025.

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). In accordance with Rule 5121, no underwriter with a conflict of interest will confirm sales to any account over which it
exercises discretionary authority without the prior specific written approval of the account holder. Separately, Stephens Inc. is also a customer of Simmons Bank, and an affiliate of Stephens Inc. serves as our insurance broker.

In addition, in the ordinary course of their various business activities, the underwriters and their respective affiliates may make or hold a
broad array of investments and actively trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans)