Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 15

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 15
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 —        |   |     |                  | —          |   |     |               | (1,411,416 | ) |
| Tangible assets                                    |     | $             | 25,282,204 |   |     | $               | 284,310 |     | $          | (501,063 | ) |     | $                | (2,346,515 | ) |     | $             | 22,718,935 |   |
| Ratio of common equity to assets                   |     |               |      13.30 | % |     |                 |         |     |            |          |   |     |                  |            |   |     |               |      13.81 | % |
| Ratio of tangible common equity to tangible assets |     |               |       8.46 | % |     |                 |         |     |            |          |   |     |                  |            |   |     |               |       8.46 | % |

| (1) | Assumes $300.1 million of gross proceeds from common equity offering, underwriting discounts and commissions 
 of 5% and $1.0 million of pre-tax offering expenses.                                                         |

| (2) | Financial information as of June 30, 2025. Assumes securities with market value of $2.4 billion 
 are sold and a reinvestment of $500 million of securities.                                      |

S-14

The Offering

| Issuer | Simmons First National Corporation. |

| Shares of common stock offered by us | 16,220,000 shares (or 18,653,000 shares if the underwriters exercise in full their option to purchase additional shares). |

| Shares of common stock to be outstanding after the offering | 142,250,023 shares (or 144,683,023 shares if the underwriters exercise in full their option to purchase additional shares). |

| Public offering price per share | $18.50 |

| Use of proceeds | General corporate purposes, which may include investments in Simmons Bank to support a contemplated balance sheet repositioning and continued growth. See “Use of Proceeds.” |

| Dividend policy | Our current quarterly indicated dividend rate per share is $0.2125. The quarterly dividends declared per share were $0.21 for each of the quarters of 2024, or $0.84 for the year ended December 31, 2024. Future dividends, declared at the 
 discretion of our