Simmons First director adds shares via RSU activity

Simmons First National Corp director Steven A. Cosse increased his equity exposure through stock-based compensation.

Rhea-AI Filing Summary

Simmons First National Corp director Steven A. Cosse increased his equity exposure through stock-based compensation. He exercised 975 Restricted Stock Units into SFNC common stock, bringing his direct common share holdings to 115,555 shares. Cosse also received a new grant of 3,901 Restricted Stock Units, each representing a contingent right to one SFNC share. The footnotes state that 975 RSUs vested on May 15, 2026, with additional tranches of 975, 975, and 976 RSUs scheduled to vest on July 1, 2026, October 1, 2026, and January 4, 2027, respectively, with shares delivered within 30 days of vesting.

Insider Trade Summary

975 shares exercised/converted

Exercise 3 txns

Insider COSSE STEVEN A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	3,901	$0.00	$0.00
Exercise	Restricted Stock Units	975	$0.00	$0.00
Exercise	SFNC Common Stock	975	$0.00	$0.00

Holdings After Transaction: Restricted Stock Units — 2,926 contracts (Direct); SFNC Common Stock — 115,555 shares (Direct)

Footnotes (5)

1. F1. Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis.
2. F2. Each Restricted Stock Unit represents a contingent right to receive one share of SFNC common stock.
3. F3. 975 Restricted Stock Units vest on May 15, 2026; 975 Restricted Stock Units vest on July 1, 2026; 975 Restricted Stock Units vest on October 1, 2026; and 976 Restricted Stock Units vest on January 4, 2027. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.
4. F4. The Restricted Stock Units vested on May 15, 2026.
5. F5. 975 Restricted Stock Units vest on July 1, 2026; 975 Restricted Stock Units vest on October 1, 2026; and 976 Restricted Stock Units vest on January 4, 2027. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.

Key Figures

RSUs exercised: 975 units New RSU grant: 3,901 units Common shares held: 115,555 shares +2 more

5 metrics

RSUs exercised 975 units Restricted Stock Units converted into SFNC common stock on May 15, 2026

New RSU grant 3,901 units Restricted Stock Units granted to Steven A. Cosse at $0.00 per unit

Common shares held 115,555 shares Direct SFNC common stock holdings after exercising 975 RSUs

RSU vesting tranches 975, 975, 976 units Scheduled vesting on July 1, 2026; October 1, 2026; January 4, 2027

Exercise/award price $0.00 per unit Stated transaction price for RSU exercise and grant

Key Terms

Restricted Stock Units, contingent right, vest, SFNC common stock

4 terms

Restricted Stock Units financial

"975 Restricted Stock Units vest on May 15, 2026; 975 Restricted Stock Units vest on July 1, 2026;"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

contingent right financial

"Each Restricted Stock Unit represents a contingent right to receive one share of SFNC common stock."

vest financial

"The Restricted Stock Units vested on May 15, 2026."

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

SFNC common stock financial

"Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did SFNC director Steven A. Cosse report in this Form 4?

Steven A. Cosse reported stock-based compensation activity, not open-market trades. He exercised 975 Restricted Stock Units into SFNC common stock and received a new grant of 3,901 Restricted Stock Units, all at a stated price of $0.00 per unit.

How many SFNC common shares does Steven A. Cosse hold after these transactions?

After these transactions, Steven A. Cosse directly holds 115,555 shares of SFNC common stock. This figure reflects his position following the conversion of 975 Restricted Stock Units into common shares reported on the Form 4.

What Restricted Stock Unit activity did SFNC disclose for Steven A. Cosse?

SFNC disclosed that Cosse exercised 975 Restricted Stock Units and received a new award of 3,901 Restricted Stock Units. Each unit represents a contingent right to receive one share of SFNC common stock, according to the transaction details and related footnotes.

What is the vesting schedule for Steven A. Cosse’s SFNC Restricted Stock Units?

The filing notes several vesting dates: 975 Restricted Stock Units vested on May 15, 2026, and additional tranches of 975, 975, and 976 units vest on July 1, 2026, October 1, 2026, and January 4, 2027. Shares are delivered within 30 days of vesting.

Do Steven A. Cosse’s SFNC RSUs convert into common stock on a one-for-one basis?

Yes. The footnotes explain that each Restricted Stock Unit converts into one share of SFNC common stock on a one-for-one basis. Each unit is described as a contingent right to receive a single SFNC common share upon vesting.

Were there any SFNC share sales reported by Steven A. Cosse in this Form 4?

No share sales were reported. The transactions consist of a derivative exercise of 975 Restricted Stock Units into common stock and a grant of 3,901 new Restricted Stock Units. The summary data show no sell transactions or dispositions in this filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/19/2026 - 10:34 AM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

COSSE STEVEN A

(Last) (First) (Middle)

C/O SIMMONS FIRST NATIONAL CORP.

501 MAIN STREET

(Street)

PINE BLUFF ARKANSAS 71601

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
SIMMONS FIRST NATIONAL CORP [ SFNC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/15/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
SFNC Common Stock	05/15/2026		M		975	A	(1)	115,555	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(2)	05/15/2026		A		3,901		(3)	(3)	SFNC Common Stock	3,901	$0	3,901	D
Restricted Stock Units	(1)	05/15/2026		M			975	(4)	(4)	SFNC Common Stock	975	$0	2,926(5)	D

Explanation of Responses:

1. Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis.

2. Each Restricted Stock Unit represents a contingent right to receive one share of SFNC common stock.

3. 975 Restricted Stock Units vest on May 15, 2026; 975 Restricted Stock Units vest on July 1, 2026; 975 Restricted Stock Units vest on October 1, 2026; and 976 Restricted Stock Units vest on January 4, 2027. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.

4. The Restricted Stock Units vested on May 15, 2026.

5. 975 Restricted Stock Units vest on July 1, 2026; 975 Restricted Stock Units vest on October 1, 2026; and 976 Restricted Stock Units vest on January 4, 2027. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.

	/s/ Ambar Quintanilla, attorney-in-fact for Steven A. Cosse	05/19/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)