Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 29

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 29
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 on hand, if needed,
from this offering to repay our outstanding $330 million of the 2028 Notes and for general corporate purposes. We anticipate delivering a redemption notice following this offering, with such redemption expected to be effective on
October 1, 2025. The redemption of the 2028 Notes is not contingent on this offering or the amount of proceeds resulting from this offering.

The 2028 Notes currently bear interest at a floating rate per annum equal to the three-month term SOFR, plus a spread of 241.161 basis points,
payable quarterly in arrears on January 1, April 1, July 1 and October 1 of each year. The 2028 Notes are scheduled to mature on April 1, 2028. We may elect to redeem early the 2028 Notes, in whole or in part, on any future
interest payment date (January 1, April 1, July 1 and October 1 of each year) at a redemption price equal to 100% of the principal amount plus any accrued and unpaid interest, subject to regulatory approval to the extent such
regulatory approval is then required. We may determine not to redeem the 2028 Notes or to redeem only a portion of the 2028 Notes. This prospectus supplement is not an offer to purchase or a solicitation of an offer to sell the 2028 Notes. In
addition, the redemption will be made solely pursuant to a redemption notice delivered pursuant to the indenture governing such existing 2028 Notes, and nothing contained in this prospectus supplement constitutes a notice of redemption of the 2028
Notes.

Our board of directors and management will have broad discretion in the application of the net proceeds from this offering, and
investors will be relying on the judgment of our board of directors and management with regard to the use of these net proceeds. Please see “Risk Factors — Our board of directors and management will have broad discretion in allocating
the net proceeds of the offering. Our failure to effectively utilize such net proceeds may have an adverse effect on our financial performance.” Pending the use of the net proceeds from this offering as described above, we may invest the net
proceeds in cash or short-term marketable securities.

The foregoing represents our intentions based upon our present plans and business
conditions. The occurrence of unforeseen events or changed business conditions, however, could result in the application of the net proceeds of the offering in a manner other than as described in this