Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 30

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 30
---
 prospectus supplement.

S-19

UNAUDITED 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 the Common Equity Offering, the Investment Securities Transaction and the redemption of the Spirit Notes. The following pro forma balance sheet also gives effect to the completion of this offering and the full repayment of our 5.00% Fixed-to-FloatingRate Subordinated Notes due 2028 (the “2028 Notes”). 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 after giving effect to the Common Equity Offering, the Investment Securities Transaction or the redemption of the Spirit Notes, or following the completion of the offering or the repayment of the 2028 Notes. Such unaudited pro forma financial information has been prepared assuming a tax rate of 24.3%. Our actual financial condition and results of operations may not be consistent with, or evident from, the pro forma financial information. In addition, the assumptions used in preparing the pro forma financial information may not prove to be accurate, and other factors may affect our actual financial condition or results of operations. Our potential for future business performance and financial results must be considered in light of the risks, uncertainties, expenses and difficulties described in this prospectus supplement, the accompanying prospectus, and the documents incorporated herein by reference. This pro forma financial information should be read in conjunction with, and is qualified in its entirety by reference to, the information appearing under “Use of Proceeds” and “Risk Factors” included elsewhere in this prospectus supplement, as well as our historical financial statements and related notes that are incorporated by reference into this prospectus supplement. See the table below for the unaudited pro forma balance sheet and accompanying notes. The table also includes our key regulatory capital ratios, which reflect the impact of the transactions described above.

| ($ in thousands, except                  
 per share data)                          
 Assets                                   |     | June 30, 
 2025     |            |   |     | Common   
 Equity   
 Offering |         |     | HTM                 
 Transfer to AFS (1) |            |      |     | Balance                 
 Sheet Repositioning (3) |            |      |     | Pro           
 Forma         
 June 30, 2025 |            |   |     | Notes         
 Offering (10