Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 13

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 13
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wholesale funding sources and for reinvestment in higher-yielding securities. We expect this contemplated balance sheet repositioning to improve our net interest margin, increase liquidity for future loan growth and better position our portfolio for
potential change in interest rates.

The potential repositioning of our securities portfolio described above is subject to and contingent
upon acceptable market conditions and the completion of this offering during the third quarter of 2025 on terms that are satisfactory to us, which may be impacted by market conditions and the terms offered by potential purchasers of our investment
securities. Although we may consider proceeding with the repositioning in the event that this offering does not close on acceptable terms during the third quarter of 2025, we have not yet determined to do so. If this offering is not completed during
the third quarter of 2025, our management will evaluate whether to proceed with the repositioning, if at all or in part, and the potential timing thereof. Please see “Risk Factors — Risks Related to an Investment in our Common Stock and
the Offering — Our 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 and the value of our common
stock” and “Use of Proceeds” for additional information.

The contemplated balance sheet repositioning described above may
not occur and our estimates related thereto are estimates only, and actual events and results may differ materially from what we currently anticipate and estimate. Factors that could cause actual events and our actual results to differ from our
currently anticipated events and estimates include, but are not limited to, the factors described in the section entitled “Risk Factors” beginning on page S-16.

Pro Forma Financial Information

The
following pro forma balance sheet gives effect, based on financial information as of June 30, 2025, to the completion of this offering and/or the contemplated repositioning of our securities portfolio (collectively referred to as the
“Transactions”) as further described above under “— Recent Developments.” The pro forma information is presented for illustrative purposes only and does not purport to be indicative of our financial condition or results of
operations following the completion of the Transactions.

Such unaudited pro forma financial information is based on various adjustments,
assumptions and preliminary estimates as described in the accompanying notes, and does not purport to be an indication of our financial condition or results of operations following the completion of the Transactions. Such unaudited