Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 25

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 25
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 |             |      15.80 | % |

| (1) | Does not give effect to the use of the net proceeds of this offering or the contemplated balance sheet 
 repositioning.                                                                                         |

S-22

DESCRIPTION OF COMMON STOCK

The following description of our common stock and the relevant provisions of our amended and restated articles of incorporation (as amended)
(“Articles”) and amended and restated by-laws (“By-laws”) is a summary and does not purport to be complete. The description is not exhaustive and is
subject to and qualified in its entirety by reference to our Articles and By-laws, as well as to applicable federal and state law. For more information on how you can obtain our Articles and By-laws, see “Where You Can Find More Information.” We urge you to read our Articles of Incorporation and our By-laws in their entirety.

Authorized Capital Stock

Pursuant to the
Articles, we are authorized to issue 350,000,000 shares of common stock, $0.01 par value per share, and 40,040,000 shares of preferred stock, $0.01 par value per share (“preferred stock”). Our common stock is registered under the Exchange
Act.

As of July 18, 2025, 126,030,023 shares of our Class A common stock are outstanding and there are approximately 2,211
holders of record of our common stock.

Common Stock

The holders of our common stock are entitled to receive ratably dividends when and if declared by our board of directors out of funds legally
available therefor. In the event of our bankruptcy, dissolution or liquidation, the holders of our debt securities must be satisfied before any distributions can be made to the holders of our common stock.

A majority of the votes entitled to be cast, represented in person or by proxy, shall constitute a quorum at a meeting of the shareholders.
The holders of our common stock have one vote per share on all matters submitted to a vote of our shareholders. In an uncontested election, directors are elected by a majority of the votes cast by the shares present in person or represented by proxy
at the meeting and entitled to vote thereon. In a contested election, directors are elected by a plurality of the votes cast by the shares present in person or represented by proxy at the meeting and entitled to vote thereon. There are no cumulative
voting rights for the election of directors, and our board of directors is not classified