[Form 4] SIMMONS FIRST NATIONAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Steven A. Cosse, a director of Simmons First National Corp (SFNC), reported the vesting and conversion of 929 restricted stock units into common shares on 10/01/2025. After the conversion his beneficial ownership of SFNC common stock is reported as 105,049 shares. The filing notes 928 remaining restricted stock units scheduled to vest on 01/02/2026, with shares to be delivered within 30 days of that vesting date. The Form 4 was signed by an attorney-in-fact on behalf of Mr. Cosse and filed on 10/03/2025.

Positive

• 929 restricted stock units vested and converted to common stock, aligning the reporting person's interests with shareholders

Negative

• None.

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
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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^*

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)
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)	105,049	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

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 Steven A. Cosse	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).
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 did Steven A. Cosse report on the Form 4 for SFNC?

The Form 4 reports the vesting and conversion of 929 restricted stock units into SFNC common stock on 10/01/2025, resulting in beneficial ownership of 105,049 shares.

How many restricted stock units remain and when do they vest for SFNC insider Steven Cosse?

The filing shows 928 restricted stock units remain and are scheduled to vest on 01/02/2026; SFNC shares will be delivered within 30 days of vesting.

What is the ownership form reported for the newly acquired SFNC shares?

The Form 4 lists the ownership form as Direct (D) for the converted shares.

When was the Form 4 filed and who signed it?

The Form 4 was signed by an attorney-in-fact for Steven A. Cosse and dated 10/03/2025.

How many total SFNC shares does Cosse beneficially own after the transaction?

After the reported transaction, the filing shows Cosse beneficially owns 105,049 shares of SFNC common stock.