SFNC director converts RSUs into 1,522 common shares

SIMMONS FIRST NATIONAL CORP director Susan S. Lanigan reported routine equity compensation activity involving restricted stock units (RSUs).

Rhea-AI Filing Summary

SIMMONS FIRST NATIONAL CORP director Susan S. Lanigan reported routine equity compensation activity involving restricted stock units (RSUs). On July 1, 2026, RSUs converted into a total of 1,522 shares of SFNC common stock at a conversion price of $0.00 per share, reflecting vested awards rather than open-market purchases.

The footnotes explain that RSUs convert into SFNC common stock on a one-for-one basis and that certain RSUs vested on July 1, 2026, with additional tranches of 547, 975, and 976 RSUs scheduled to vest on future dates, after which shares will be delivered within 30 days of each vesting event.

Insider Trade Summary

1,522 shares exercised/converted

Exercise 4 txns

Insider LANIGAN SUSAN S

Role Director

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	547	$0.00	$0.00
Exercise	Restricted Stock Units	975	$0.00	$0.00
Exercise	SFNC Common Stock	547	$0.00	$0.00
Exercise	SFNC Common Stock	975	$0.00	$0.00

Holdings After Transaction: Restricted Stock Units — 2,498 contracts (Direct); SFNC Common Stock — 36,800 shares (Direct)

Footnotes (4)

1. F1. Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis.
2. F2. The Restricted Stock Units vested on July 1, 2026.
3. F3. 547 Restricted Stock Units vest on October 1, 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.
4. F4. 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

Shares delivered from RSUs: 1,522 shares RSU conversion price: $0.00 per share RSUs vested tranche: 975 RSUs +4 more

7 metrics

Shares delivered from RSUs 1,522 shares Total SFNC common shares from RSU vesting on July 1, 2026

RSU conversion price $0.00 per share Conversion/exercise price for RSUs into SFNC common stock

RSUs vested tranche 975 RSUs Restricted Stock Units that vested on July 1, 2026

Additional RSUs vested 547 RSUs Restricted Stock Units that vested on July 1, 2026

Future vesting RSUs 547 RSUs Scheduled to vest on October 1, 2026

Future vesting RSUs 975 RSUs Scheduled to vest on October 1, 2026 per footnote

Future vesting RSUs 976 RSUs Scheduled to vest on January 4, 2027 per footnote

Key Terms

Restricted Stock Units, derivative security, vested, SFNC Common Stock

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.

derivative security financial

"transaction_code_description: Exercise or conversion of derivative security"

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

vested financial

"The Restricted Stock Units vested on July 1, 2026."

SFNC Common Stock financial

"SFNC Common Stock listed as the underlying security title for the RSUs."

FAQ

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

What insider activity did SFNC director Susan S. Lanigan report on this Form 4?

Susan S. Lanigan reported RSU-related transactions converting awards into SFNC common stock. On July 1, 2026, a total of 1,522 shares were delivered at a conversion price of $0.00 per share, reflecting equity compensation vesting rather than open-market buying or selling.

How many SFNC shares were acquired through RSU conversions in this filing?

The filing shows 1,522 SFNC common shares delivered upon RSU vesting. These came from RSUs that convert one-for-one into common stock, representing compensation-based share delivery rather than cash purchases in the market by the director.

Were there any open-market purchases or sales of SFNC stock in this Form 4?

No open-market purchases or sales are reported. All transactions are coded “M,” indicating exercises or conversions of derivative securities. The director received SFNC shares from vesting RSUs at a $0.00 conversion price, without separate buy or sell trades.

What do the footnotes say about how SFNC Restricted Stock Units work?

The footnotes state that Restricted Stock Units convert into SFNC common stock on a one-for-one basis. Shares are delivered within 30 days of vesting, and events such as retirement, death, disability, or other specified conditions may cause earlier vesting and share delivery.

Does the SFNC Form 4 disclose future vesting schedules for Susan S. Lanigan’s RSUs?

Yes. Footnotes disclose that 547 RSUs vest on October 1, 2026, while 975 RSUs vest on October 1, 2026 and 976 RSUs vest on January 4, 2027. SFNC common shares will be delivered within 30 days after each vesting date, subject to specified events.

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

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Accepted by SEC EDGAR 07/02/2026 - 03:48 PM 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)
07/01/2026

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	07/01/2026		M		547	A	(1)	35,825	D
SFNC Common Stock	07/01/2026		M		975	A	(1)	36,800	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)	07/01/2026		M			547	(2)	(2)	SFNC Common Stock	547	$0	547(3)	D
Restricted Stock Units	(1)	07/01/2026		M			975	(2)	(2)	SFNC Common Stock	975	$0	1,951(4)	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 July 1, 2026.

3. 547 Restricted Stock Units vest on October 1, 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.

4. 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/ Natalie Gassiott attorney-in-fact for Susan S. Lanigan	07/02/2026
	** 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.
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* Form 4: SEC 1474 (03-26)