Simmons First National director acquires 975 shares

A separate award schedules 976 restricted stock units to vest January 4, 2027, with shares delivered within 30 days.

Rhea-AI Filing Summary

Simmons First National Corp. director Steven A. Cosse converted 975 restricted stock units into 975 SFNC common shares when the units vested on October 1, 2026. His directly held common-stock position following the transaction was 117,505 shares.

A separate award states that 976 restricted stock units vest on January 4, 2027, with shares delivered within 30 days after vesting. Retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.

Insider Trade Summary

975 shares exercised/converted

Exercise 2 txns

Insider COSSE STEVEN A

Role Director

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units F1, F2, F3	975	$0.00	$0.00
Exercise	SFNC Common Stock F1	975	--	--

Holdings After Transaction: Restricted Stock Units — 976 contracts (Direct); SFNC Common Stock — 117,505 shares (Direct)

Footnotes (3)

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 October 1, 2026.
3. F3. 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

Restricted stock units converted: 975 units SFNC common shares acquired: 975 shares Direct common shares following transaction: 117,505 shares +1 more

4 metrics

Restricted stock units converted 975 units Vested October 1, 2026

SFNC common shares acquired 975 shares Upon conversion on October 1, 2026

Direct common shares following transaction 117,505 shares Steven A. Cosse's reported position

Restricted stock units scheduled to vest 976 units Vest January 4, 2027

Key Terms

Restricted Stock Units, vested, one-for-one basis

3 terms

Restricted Stock Units technical

"Restricted Stock Units convert into shares of SFNC common stock"

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.

vested technical

"The Restricted Stock Units vested on October 1, 2026"

one-for-one basis technical

"convert into shares of SFNC common stock on a one-for-one basis"

FAQ

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

How many SFNC shares did director Steven A. Cosse receive from restricted stock units?

Steven A. Cosse converted 975 restricted stock units into 975 shares of SFNC common stock when the units vested on October 1, 2026. His directly held common-stock position following the transaction was 117,505 shares.

When are Steven A. Cosse's other SFNC restricted stock units scheduled to vest?

A separate award states that 976 restricted stock units vest on January 4, 2027, with SFNC shares delivered within 30 days after vesting. Retirement, death, disability, and other specified events in the award agreement may result in earlier vesting.

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

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Available on EDGAR 10/05/2026 - 10:03 AM Accepted by SEC EDGAR 10/05/2026 - 10:03 AM 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^*

COSSE STEVEN A

(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)
10/01/2026

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	10/01/2026		M		975	A	(1)	117,505	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)	10/01/2026		M			975	(2)	(2)	SFNC Common Stock	975	$0	976(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, 2026.

3. 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/ Ambar Quintanilla, attorney-in-fact for Steven A. Cosse	10/05/2026
	** 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.
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.
* Form 4: SEC 1474 (03-26)