Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 16

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 16
---
 board of directors, are not guaranteed and will depend on our future earnings, cash flows and other factors.                                                                                                               |

| Risk factors | You should carefully read and consider the information set forth under the heading “Risk Factors” beginning on page S-16 of this prospectus supplement, on page 4 of the accompanying prospectus and under the heading 
 “Part I. Item IA. Risk Factors” in our Annual Report, as                                                                                                                                                               
 updated by our subsequent filings with the SEC, which are incorporated herein by reference, before deciding to invest in our common stock.                                                                             |

| Lock-up agreements | We, each of our executive officers, and directors have entered into lock-up agreements, which restrict such persons from engaging in certain transactions in our securities during the Lock-Up Period (as defined below) without the consent of the underwriters. See “Underwriting — Lock-Up Agreements” in this prospectus supplement. |

| Listing and trading symbol | Our common stock is traded on Nasdaq under the symbol “SFNC”. |

Unless otherwise noted, references in this prospectus supplement to the number of shares of our common stock outstanding after this offering are based on 126,030,023 shares of our Class A common stock issued and outstanding as of July 18, 2025. Unless we indicate otherwise, all information in this prospectus supplement regarding the number of shares of our common stock to be outstanding after this offering assumes no exercise of the underwriters’ option to purchase additional shares.

S-15

RISK FACTORS

An investment in our common stock involves a significant degree of risk. The material risks and uncertainties that management believes affect us are described below. Before you decide to invest in our common stock, you should carefully read and consider all of the information contained in this prospectus supplement, including the risks and uncertainties described below and under “Cautionary Note Regarding Forward-Looking Statements” in this prospectus supplement, and the other documents incorporated by reference into this prospectus supplement, including, among others, the risks and uncertainties described under the heading “Risk Factors” beginning on page 4 of the accompanying prospectus and under the heading “ Part I. Item IA. Risk Factors” in our Annual Report, as updated by our subsequent filings with the SEC. Any of these risks, if they are realized, could have an adverse effect on our business, financial condition and results of operations, and consequently, the value of our common stock. In any such case, you could lose all or a portion of your original investment.