Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 27

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 27
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     | book value of our common stock; |

| • |     | the relationship of the offered price for our common stock to our board of directors’ opinion of our current 
 value in a negotiated transaction;                                                                           |

| • |     | the relationship of the offered price for our common stock to our board of directors’ opinion of our future 
 value as an independent entity; and                                                                         |

| • |     | such other factors as our board of directors may deem pertinent. |

Our Articles also require the affirmative vote of 80% of the shares entitled to vote to amend, repeal or modify any provision of our Articles unless such amendment, repeal or modification is approved by 80% of all directors (or, in the event the proponent of any business combination (or its affiliates or associates) is an Interested Stockholder, then 80% of the directors who were in office prior to the proponent of the business combination becoming an Interested Stockholder). Finally, our board of directors, without shareholder approval, has the authority under our Articles to issue preferred stock with rights superior to the rights of the holders of common stock. As a result, preferred stock, while not intended as a defensive measure against takeovers, could be issued quickly and easily, which may adversely affect the rights of holders of common stock and could make it more difficult or time consuming for a third party to acquire a majority of our outstanding voting stock or otherwise effect a change of control. Within certain limits, our board of directors may issue preferred stock for capital raising transactions, acquisitions, joint ventures or other corporate purposes that has the effect of making an acquisition of the Company more difficult or costly. Transfer Agent The transfer agent and registrar for our common stock is Computershare Inc. Stock Exchange Listing Our common stock is listed on the Nasdaq Global Select Market under the trading symbol “SFNC”. S-24

MATERIAL U.S. FEDERAL INCOME CONSIDERATIONS TO NON-U.S.HOLDERS The following is a summary of certain material United States federal income tax consequences of the purchase, ownership and disposition of our common stock by a non-U.S.holder (as defined below) that acquires our common stock in this offering and holds our common stock as a “capital asset” (generally, property held for investment). This summary is based on current provisions of the Internal Revenue Code of 1986, as amended, or the Code, Treasury regulations and judicial and administrative authority, all of which are subject to change or differing interpretation, possibly with retroactive