Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 76

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 76
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 set forth on the cover of this prospectus supplement less a concession not in excess of 0.50% of the principal amount per note. After the initial offering, the underwriters may change the offering price and the other selling terms. The offering of the Notes by the underwriters is subject to receipt and acceptance and subject to the underwriters’ right to reject any order in whole or in part. Underwriting Discounts, Commissions and Expenses The following table shows the public offering price, the underwriting discounts and commissions that we are to pay the underwriters and the proceeds, before expenses, to us in connection with this offering (expressed as a percentage of the principal amount of the Notes offered hereby).

|                                        |     | Per Note |        |   |     | Total |             |
|:---------------------------------------|:----|:---------|-------:|:--|:----|:------|------------:|
| Public Offering Price(1)               |     |          | 100.00 | % |     | $     | 325,000,000 |
| Underwriting discounts and commissions |     |          |   1.00 | % |     | $     |   3,250,000 |
| Proceeds to us (before expenses)       |     |          |  99.00 | % |     | $     | 321,750,000 |

| (1) | Plus accrued interest from September 12, 2025, to the date of delivery. |

We estimate expenses payable by us in connection with this offering, other than, in each case, underwriting discounts and commissions, will be approximately $500,000. This estimate reflects that we may reimburse the underwriters for certain of their reasonable out-of-pocketexpenses incurred in connection with their engagement as underwriters, including certain expenses attributable to legal fees and marketing, syndication and travel. The underwriters may also reimburse us for certain of our expenses related to the offering. S-50

Indemnity

We have agreed to indemnify the underwriters and their affiliates, selling agents and controlling persons against certain liabilities,
including certain liabilities under the Securities Act. If we are unable to provide this indemnification, we will contribute to the payments the underwriters and their affiliates, selling agents and controlling persons may be required to make in
respect of those liabilities.

No Public Trading Market

There is currently no public trading market for the Notes. In addition, we have not applied and do not intend to apply to