Director receives 928 shares in Simmons First National (SFNC) award

Rhea-AI Filing Summary

Simmons First National Corp. director Steven A. Cosse reported the vesting and conversion of restricted stock units into common shares. On January 2, 2026, 928 restricted stock units converted into 928 shares of SFNC common stock at a reported price of $0 per share. These shares increased his directly held SFNC common stock to 114,580 shares following the transaction. The filing notes that the restricted stock units convert into common stock on a one-for-one basis and that this particular unit award vested on January 2, 2026.

Insider Trade Summary

928 shares exercised/converted

Mixed 2 txns

Insider COSSE STEVEN A

Role Director

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	928	$0.00	--
Exercise	SFNC Common Stock	928	$0.00	--

Holdings After Transaction: Restricted Stock Units — 0 shares (Direct); SFNC Common Stock — 114,580 shares (Direct)

Footnotes (1)

1. Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis. The Restricted Stock Units vested on January 2, 2026.

Form 4 Insider Transactions: What Each Field Means →

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 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)
01/02/2026

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	01/02/2026		M		928	A	(1)	114,580	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)	01/02/2026		M			928	(2)	(2)	SFNC Common Stock	928	$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 January 2, 2026.

	/s/ Natalie Gassiott, attorney-in-fact for Steven A. Cosse	01/06/2026
	** 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.

FAQ

What insider transaction did SFNC director Steven A. Cosse report?

Steven A. Cosse reported the vesting and conversion of 928 restricted stock units into 928 shares of SFNC common stock on January 2, 2026.

How many Simmons First National (SFNC) shares does Steven A. Cosse own after this Form 4?

After the reported transaction, Steven A. Cosse directly beneficially owns 114,580 shares of SFNC common stock.

What is the relationship of Steven A. Cosse to Simmons First National Corp. (SFNC)?

Steven A. Cosse is listed as a Director of Simmons First National Corp. on the Form 4.

What does the Form 4 say about the SFNC restricted stock units involved?

The Form 4 explains that the Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis and that they vested on January 2, 2026.

Was there a purchase price for the SFNC shares received by Steven A. Cosse?

The transaction for 928 shares of SFNC common stock is reported with a price per share of $0.00, reflecting conversion of vested restricted stock units.

Is this SFNC Form 4 filed by one reporting person or multiple insiders?

The filing indicates it is a Form filed by One Reporting Person, namely COSSE STEVEN A.