Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 2

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 2
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-1  |
| Cautionary Note Regarding Forward-Looking Statements            |     |      | S-3  |
| Summary                                                         |     |      | S-5  |
| Risk Factors                                                    |     |      | S-16 |
| Use of Proceeds                                                 |     |      | S-21 |
| Capitalization                                                  |     |      | S-22 |
| Description of Common Stock                                     |     |      | S-23 |
| Material U.S. Federal Income Considerations to Non-U.S. Holders |     |      | S-25 |
| Underwriting                                                    |     |      | S-29 |
| Legal Matters                                                   |     |      | S-35 |
| Experts                                                         |     |      | S-35 |

Prospectus

|                                     |     | Page |   |
| About This Prospectus               |     |      | 1 |
| Where You Can Find More Information |     |      | 2 |
| The Company                         |     |      | 3 |
| Risk Factors                        |     |      | 4 |
| Use of Proceeds                     |     |      | 4 |
| Legal Matters                       |     |      | 4 |
| Experts                             |     |      | 4 |

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ABOUT THIS PROSPECTUS SUPPLEMENT AND THE ACCOMPANYING PROSPECTUS

This document is composed of two parts. The first part is this prospectus supplement, which describes the specific terms
of this offering of common stock, including the price, the number of shares of our common stock being offered, the risks of investing in this offering of our common stock and certain other matters relating to us and our financial condition. This
prospectus supplement also adds to and updates information contained in the accompanying prospectus and the documents incorporated by reference into this prospectus supplement and the accompanying prospectus. The second part of this document is the
accompanying prospectus, dated May 17, 2024, which is included as part of our automatic shelf registration statement on Form S-3ASR (File No. 333-279502). That registration statement and the accompanying prospectus provide more general information about securities that we may offer from time to time, some of which may not apply
to this offering. It is important for you to read and consider carefully all information contained or incorporated by reference in this prospectus supplement, the accompanying prospectus and any permitted free writing prospectuses we have authorized
for use