Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 8

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 8
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, credit unions, securities brokerage firms, insurance companies, money market and other mutual funds, and
other financial institutions operating in our market area and elsewhere, including institutions operating regionally, nationally, and internationally, together with such competitors offering banking products and services by mail, cellphone/tablet,
telephone, computer, and the internet; the failure of assumptions underlying the establishment of reserves for possible credit losses, fair value for loans, other real estate owned, and those factors set forth under “Risk Factors” and
elsewhere in this prospectus supplement and in other filings that have been filed with the SEC. Many of these factors are beyond our ability to predict or control, and actual results could differ materially from those in the forward-looking
statements due to these factors and others. In addition, as a result of these and other factors, our past financial performance should not be relied upon as an indication of future performance.

The foregoing factors and the other risks described in “Risk Factors” in our Annual Report, in our Quarterly Report on Form 10-Q
for the quarter ended June 30, 2025 and any report subsequently filed with the SEC, and the risks described in this prospectus supplement and the accompanying prospectus should be considered in evaluating any forward-looking statements included
or incorporated by reference in this prospectus supplement or the accompanying prospectus. The actual results or developments anticipated by such forward-looking statements may not be realized or, even if substantially realized, they may not have
the expected consequences to or effects on our businesses or operations. Readers are cautioned not to put undue reliance on any forward-looking statements. Because of these risks and other uncertainties, our actual future financial condition,
results, performance or achievements, or industry results, may be materially different from the results indicated by the forward-looking statements in this prospectus supplement. In addition, our past results of operations are not necessarily
indicative of our future results of operations. You should not rely on any forward-looking statements as predictions of future events.

Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update, revise or
correct any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law. All written or oral forward-looking statements that are made by us or are attributable to us are expressly
qualified in their entirety by this cautionary notice, together with those risks and uncertainties described in “Risk Factors” in our Annual Report, in our Quarterly Report on Form 10