Simmons First director acquires SFNC shares, RSUs

Simmons First National Corp director Susan S. Lanigan reported equity awards involving company stock.

Rhea-AI Filing Summary

Simmons First National Corp director Susan S. Lanigan reported equity awards involving company stock. She exercised 975 Restricted Stock Units into an equal number of SFNC common shares, bringing her direct common stock holdings to 35,278 shares. She was also granted 3,901 new Restricted Stock Units, each representing a right to receive one SFNC share as they vest under the stated schedule.

Insider Trade Summary

975 shares exercised/converted

Exercise 3 txns

Insider LANIGAN SUSAN S

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 — 35,278 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

Common shares acquired: 975 shares Common shares held after: 35,278 shares New RSU grant: 3,901 units +4 more

7 metrics

Common shares acquired 975 shares SFNC common stock received from RSU exercise on May 15, 2026

Common shares held after 35,278 shares Direct SFNC common stock ownership following transactions

New RSU grant 3,901 units Restricted Stock Units granted, each for one SFNC common share

Upcoming RSU vesting 975 units Restricted Stock Units scheduled to vest on May 15, 2026

Future vesting tranche 975 units Restricted Stock Units scheduled to vest on July 1, 2026

Future vesting tranche 975 units Restricted Stock Units scheduled to vest on October 1, 2026

Final vesting tranche 976 units Restricted Stock Units scheduled to vest on January 4, 2027

Key Terms

Restricted Stock Units, contingent right, vest, award agreement

4 terms

Restricted Stock Units financial

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

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

"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."

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.

award agreement financial

"Events such as retirement, death, disability, and other specified events in the award agreement may result in earlier vesting."

An award agreement is a legal contract that spells out the terms of a pay or equity grant—such as stock options, restricted shares, or cash bonuses—given to an employee, director or consultant. It describes what is being granted, any conditions for keeping it (for example, earning it over time or meeting performance targets), and what happens if the person leaves or breaks rules. Investors care because these agreements affect company costs, potential share dilution and how executives are motivated and rewarded.

FAQ

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

What insider transactions did SFNC director Susan S. Lanigan report?

Susan S. Lanigan reported acquiring SFNC equity through stock-based awards. She exercised 975 Restricted Stock Units into 975 SFNC common shares and received a new grant of 3,901 Restricted Stock Units, each tied to one future share of common stock upon vesting.

How many SFNC common shares does Susan S. Lanigan hold after this Form 4?

After the reported transactions, Susan S. Lanigan directly holds 35,278 shares of SFNC common stock. This figure reflects the addition of 975 shares delivered upon the exercise of previously awarded Restricted Stock Units that converted into common stock on a one-for-one basis.

What new Restricted Stock Units did SFNC grant to Susan S. Lanigan?

Lanigan received a grant of 3,901 Restricted Stock Units. Each unit represents a contingent right to receive one share of SFNC common stock, with delivery of the underlying shares occurring within 30 days after the applicable vesting dates specified in the award’s schedule.

What is the vesting schedule for Susan S. Lanigan’s SFNC Restricted Stock Units?

Footnotes state 975 Restricted Stock Units vest on May 15, 2026, 975 vest on July 1, 2026, 975 vest on October 1, 2026, and 976 vest on January 4, 2027. SFNC shares will be delivered within 30 days after each vesting date, subject to certain events.

How do SFNC Restricted Stock Units held by Susan S. Lanigan convert into shares?

Each Restricted Stock Unit converts into one share of SFNC common stock. The units represent a contingent right to receive shares, which are delivered within 30 days of vesting, according to the terms and conditions in the applicable SFNC award agreement.

Did Susan S. Lanigan sell any SFNC shares in this Form 4 filing?

The reported transactions only show acquisitions and exercises of equity awards, with no sales. Activity includes exercising 975 Restricted Stock Units into common shares and receiving an additional grant of 3,901 Restricted Stock Units linked to future SFNC share delivery upon vesting.

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

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Accepted by SEC EDGAR 05/19/2026 - 10:35 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^*

LANIGAN SUSAN S

(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)	35,278	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 Susan S. Lanigan	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)