[Form 4] SIMMONS FIRST NATIONAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Susan S. Lanigan, a director of Simmons First National Corp (SFNC), reported that restricted stock units (RSUs) vested on 10/01/2025. The filing shows two vesting events totaling 1,489 RSUs—929 and 560—that are convertible one-for-one into SFNC common shares. After the reported transactions, Ms. Lanigan’s beneficial ownership increased from 31,722 to 32,282 shares according to the Form 4. The filing notes that 928 RSUs remain scheduled to vest on 01/02/2026 and that shares are to be delivered within 30 days of vesting; specified events such as retirement or disability may trigger earlier vesting.

Positive

• 1,489 RSUs vested, increasing the director's direct holding to 32,282 shares
• Vesting and delivery timing disclosed: 928 RSUs scheduled to vest on 01/02/2026 with shares delivered within 30 days

Negative

• None.

Insights

Equity Compensation Specialist

RSU vesting increased a director's direct holding by 560–929 shares on 10/01/2025.

The Form 4 documents two vested RSU awards—929 and 560 units—that convert one-for-one into common stock, raising reported beneficial ownership to 32,282 shares.

This matter is procedural compensation recognition rather than an open-market purchase or sale; it reflects scheduled equity pay realization under the company’s awards.

Corporate Governance Analyst

Director Lanigan’s holdings rose modestly to 32,282 shares after vesting; future delivery timing is specified.

The report clarifies that 928 RSUs will vest on 01/02/2026 with SFNC shares delivered within 30 days of vesting and that certain events may accelerate vesting.

For investors, this documents insider compensation mechanics and confirms compliance with Section 16 reporting for the 10/01/2025 vesting.

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

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

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 AR 71601

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2025

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

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

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

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	10/01/2025		M		929	A	(1)	31,722	D
SFNC Common Stock	10/01/2025		M		560	A	(1)	32,282	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	(1)	10/01/2025		M			929	(2)	(2)	SFNC Common Stock	929	$0	928(3)	D
Restricted Stock Units	(1)	10/01/2025		M			560	(2)	(2)	SFNC Common Stock	560	$0	0	D

Explanation of Responses:

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

2. The Restricted Stock Units vested on October 1, 2025.

3. 928 Restricted Stock Units vest on January 2, 2026. 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/ Natalie Gassiott, attorney-in-fact for Susan S. Lanigan	10/03/2025
	** 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).
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FAQ

What did Susan S. Lanigan report on Form 4 for SFNC?

Lanigan reported vesting of RSUs on 10/01/2025 totaling 1,489 units, increasing her beneficial ownership to 32,282 shares.

How many RSUs vested and converted to SFNC shares?

Two RSU awards vested: 929 and 560 units; RSUs convert one-for-one into common stock according to the filing.

Will more RSUs vest for Lanigan after 10/01/2025?

Yes, the filing discloses 928 RSUs scheduled to vest on 01/02/2026, with shares to be delivered within 30 days of vesting.

Did the Form 4 report an open-market purchase or sale?

No. The Form 4 records vesting of equity awards (RSUs), not an open-market purchase or sale.

What events could accelerate RSU vesting per the filing?

The filing states that retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.