Simmons First Form 4: RSU vesting and IRA transfers disclosed

Rhea-AI Filing Summary

Russell W. Teubner, a director of Simmons First National Corp (SFNC), reported transactions on Form 4 showing vested restricted stock units and IRA transfers. On 10/01/2025 929 Restricted Stock Units vested and were reported as acquired, increasing his direct beneficial ownership to 21,621 shares of SFNC common stock. He also holds 43,976 shares indirectly in a SEP-IRA. The filing discloses two domestic relations orders: since the prior report he transferred 9,244 shares from a SEP-IRA and 10,660 shares from another IRA to his ex‑spouse. The RSUs convert one-for-one to common shares and 928 additional RSUs vest on 01/02/2026, with shares to be delivered within 30 days of vesting.

Positive

• 929 Restricted Stock Units vested on 10/01/2025, converting one‑for‑one into common shares
• Reporting shows continued ownership: 21,621 shares directly and 43,976 indirectly in a SEP‑IRA
• 928 additional RSUs are scheduled to vest on 01/02/2026 with delivery within 30 days

Negative

• Since last report, 9,244 shares were transferred from a SEP‑IRA to an ex‑spouse under a domestic relations order
• Since last report, 10,660 shares were transferred from another IRA to an ex‑spouse under a domestic relations order

Insights

Insider Transactions Analyst

Insider received 929 vested RSUs and reports IRA transfers to ex‑spouse.

The filing shows a 10/01/2025 vesting event where 929 Restricted Stock Units converted to common stock, recorded as an acquisition increasing direct holdings to 21,621 shares.

The report also documents two transfers under domestic relations orders totaling 19,904 shares (9,244 and 10,660) moved to an ex‑spouse from IRAs since the last report; these are disposals from custodial accounts, not open‑market sales.

Corporate Governance Specialist

Director-level holdings include both direct and SEP‑IRA indirect ownership.

Teubner holds 21,621 shares directly and 43,976 indirectly via a SEP‑IRA, as reported on this Form 4. The filing clarifies vesting schedule: 928 RSUs vest on 01/02/2026 with delivery within 30 days, and earlier vesting may occur on specified events in the award agreement.

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^*

TEUBNER RUSSELL WILLIAM

(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)	21,621	D
SFNC Common Stock								43,976(2)	I	SEP-IRA

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	(3)	(3)	SFNC Common Stock	929	$0	928(4)	D

Explanation of Responses:

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

2. Since the date of the reporting person's last ownership report, he transferred 9,244 shares of SFNC common stock from his SEP-IRA account to his ex-spouse pursuant to a domestic relations order.

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

4. 928 Restricted Stock Units vest on January 2, 2026. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disbility, and other specified events in the award agreement may result in earlier vesting.

Remarks:

Since the date of the reporting person's last ownership report, he transferred 10,660 shares of SFNC common stock from one of his IRAs (representing all of the shares of SFNC common stock in that IRA) to his ex-spouse pursuant to a domestic relations order.

	/s/ Natalie Gassiott, attorney-in-fact for Russell William Teubner	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.
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FAQ

What did Russell Teubner report on the Form 4 for SFNC?

The Form 4 reports 929 RSUs vested on 10/01/2025, bringing his direct ownership to 21,621 shares and noting 43,976 shares held indirectly in a SEP‑IRA.

Did the filing disclose any transfers of SFNC shares?

Yes; the filing states transfers under domestic relations orders: 9,244 shares from a SEP‑IRA and 10,660 shares from another IRA to his ex‑spouse.

How do the Restricted Stock Units convert to SFNC shares?

The RSUs convert on a one‑for‑one basis into SFNC common stock; 929 RSUs vested on 10/01/2025 and 928 vest on 01/02/2026.

When will the January 2026 RSUs be delivered?

The filing states SFNC shares from the 928 RSUs vesting on 01/02/2026 will be delivered within 30 days of vesting.

Who signed the Form 4 and when?

The Form 4 was signed by Natalie Gassiott, attorney‑in‑fact for Russell William Teubner on 10/03/2025.