[Form 4] SIMMONS FIRST NATIONAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Julie L. Stackhouse, a director of Simmons First National Corp (SFNC), reported the vesting and acquisition of restricted stock units under a Form 4 filed October 3, 2025. On 10/01/2025 a grant of 929 Restricted Stock Units (RSUs) vested and were reported as acquired; the RSUs convert one-for-one into common shares.

Following the reported transaction, Ms. Stackhouse beneficially owns 16,140 shares of SFNC common stock. An additional 928 RSUs remain scheduled to vest on 01/02/2026, with SFNC shares to be delivered within 30 days of that vesting date. The Form 4 was signed by an attorney-in-fact.

Positive

• 929 Restricted Stock Units vested on 10/01/2025, converting one-for-one into SFNC shares
• Beneficial ownership increased to 16,140 shares following the reported acquisition
• Clear disclosure that 928 additional RSUs are scheduled to vest on 01/02/2026 with delivery within 30 days

Negative

• None.

Insights

Corporate Governance Specialist

Director received vested RSUs increasing ownership to 16,140 shares.

The filing documents the vesting of 929 Restricted Stock Units on 10/01/2025, which convert one-for-one into SFNC common shares and were reported as acquired.

This increases the director's reported beneficial ownership to 16,140 shares, a disclosed factual change in insider holdings that investors may note when assessing insider alignment with shareholders.

Compensation & Equity Plan Analyst

Further 928 RSUs remain scheduled to vest on 01/02/2026.

The filing states 928 RSUs are set to vest on 01/02/2026 with shares deliverable within 30 days of vesting, and that certain events (retirement, death, disability, etc.) may accelerate vesting per the award agreement.

This clarifies near-term equity dilution timing and confirms standard vesting provisions explicitly disclosed in the Form 4.

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).

1. Name and Address of Reporting Person^*

STACKHOUSE JULIE L

(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)	16,140	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 Julie L. Stackhouse	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 Julie L. Stackhouse report on Form 4 for SFNC?

The Form 4 reports the vesting and acquisition of 929 Restricted Stock Units on 10/01/2025, converting to common shares.

How many SFNC shares does Julie Stackhouse beneficially own after the transaction?

Following the reported transaction, she beneficially owns 16,140 shares of SFNC common stock.

Are there additional RSUs scheduled to vest for Ms. Stackhouse?

Yes, 928 RSUs are scheduled to vest on 01/02/2026, with shares deliverable within 30 days of vesting.

When was the Form 4 filed and who signed it?

The Form 4 was filed on 10/03/2025 and signed by an attorney-in-fact, Natalie Gassiott, on behalf of Julie L. Stackhouse.

Do the RSUs convert to SFNC common stock at a specific ratio?

Yes, the Form 4 states the Restricted Stock Units convert into SFNC common stock on a one-for-one basis.