Simmons First (SFNC) details CFO RSU vesting and tax share withholding

Rhea-AI Filing Summary

Simmons First National Corp. reported insider equity activity by its EVP & CFO, Charles Daniel Hobbs, dated December 4, 2025. He acquired 4,200 shares of SFNC common stock through the vesting and conversion of restricted stock units, bringing his direct holdings to 14,413 shares before tax withholding. On the same date, 1,691 shares were withheld and disposed of at $18.79 per share to cover taxes, leaving him with 12,722 directly held shares.

The underlying 4,200 restricted stock units were exercised at $0 and convert into SFNC common stock on a one-for-one basis. Additional tranches of 4,200 restricted stock units are scheduled to vest on December 4, 2026, December 4, 2027, and December 4, 2028, with SFNC shares to be delivered within 30 days of each vesting, subject to earlier vesting upon certain events described 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

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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).

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^*

Hobbs Charles Daniel

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP & CFO

3. Date of Earliest Transaction (Month/Day/Year)
12/04/2025

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	12/04/2025		M		4,200	A	(1)	14,413	D
SFNC Common Stock	12/04/2025		F		1,691	D	$18.79	12,722	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 Unit	(1)	12/04/2025		M			4,200	(2)	(2)	SFNC Common Stock	4,200	$0	12,600(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 December 4, 2025.

3. 4,200 Restricted Stock Units vest on December 4, 2026; 4,200 Restricted Stock Units vest on December 4, 2027; and 4,200 Restricted Stock Units vest on December 4, 2028. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability and other specified events in the agreement may result in earlier vesting.

	/s/ Ambar Quintanilla, attorney-in-fact for Charles Daniel Hobbs	12/08/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did SFNC report for its EVP & CFO?

The EVP & CFO, Charles Daniel Hobbs, reported equity award activity on December 4, 2025, including the vesting and conversion of 4,200 restricted stock units into SFNC common shares and related share withholding for taxes.

How many SFNC shares did Charles Daniel Hobbs acquire from vested RSUs?

He acquired 4,200 shares of SFNC common stock upon the vesting and conversion of restricted stock units on December 4, 2025, on a one-for-one basis with the units.

How many SFNC shares were withheld for taxes and at what price?

A total of 1,691 shares of SFNC common stock were disposed of in a transaction coded “F” for tax withholding at a price of $18.79 per share on December 4, 2025.

What are Charles Daniel Hobbs’ SFNC holdings after these transactions?

Following the reported transactions, he directly holds 12,722 shares of SFNC common stock and 12,600 restricted stock units as derivative securities.

When will the remaining restricted stock units for SFNC’s EVP & CFO vest?

Additional tranches of 4,200 restricted stock units are scheduled to vest on December 4, 2026, December 4, 2027, and December 4, 2028, with SFNC shares to be delivered within 30 days after each vesting date.

How do the restricted stock units convert into SFNC common stock?

Each restricted stock unit converts into one share of SFNC common stock, as stated, on a one-for-one basis when the units vest and are settled.