Simmons First (SFNC) officer nets RSU shares, with some withheld for taxes

Rhea-AI Filing Summary

Simmons First National Corp executive David W. Garner reported equity award activity involving restricted stock units (RSUs) and common stock. On March 4, 2026, he exercised 1,225 RSUs, converting them into 1,225 shares of SFNC common stock at a stated price of $0.00 per share.

In a related tax-withholding transaction, 347 SFNC common shares were disposed of at $20.2100 per share, leaving him with 75,730 shares of common stock held directly. Following the RSU exercise, he also held 2,452 RSUs.

Footnotes explain that RSUs convert into SFNC common stock on a one-for-one basis and that the 1,225 RSUs vested on March 4, 2026. Additional RSU tranches of 1,226 units each are scheduled to vest on March 4, 2027 and March 4, 2028, with SFNC shares to be delivered within 30 days of vesting, subject to earlier vesting upon retirement, death, disability, or other specified events.

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^*

Garner David W

(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, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/04/2026

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	03/04/2026		M		1,225	D	(1)	76,077	D
SFNC Common Stock	03/04/2026		F		347	D	$20.21	75,730	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)	03/04/2026		M			1,225	(2)	(2)	SFNC Common Stock	1,225	$0	2,452(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 March 4, 2026.

3. 1,226 Restricted Stock Units vest on March 4, 2027; and 1,226 Restricted Stock Units vest on March 4, 2028. SFNC shares will be delivered to the reporting person 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 David W. Garner	03/06/2026
	** 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 transactions did SFNC executive David W. Garner report?

David W. Garner reported exercising 1,225 restricted stock units into 1,225 SFNC common shares at $0.00 and a related tax-withholding disposition of 347 common shares at $20.2100 per share, leaving him with 75,730 directly held common shares and 2,452 remaining RSUs.

How many Simmons First (SFNC) shares does David W. Garner hold after these transactions?

After the reported transactions, David W. Garner directly holds 75,730 shares of SFNC common stock and 2,452 restricted stock units. These figures reflect the RSU conversion into shares and the 347-share tax-withholding disposition recorded on March 4, 2026, as disclosed in the filing data.

What do the Form 4 footnotes reveal about SFNC restricted stock units?

The footnotes state that SFNC restricted stock units convert into common stock on a one-for-one basis. They also confirm that the reported RSUs vested on March 4, 2026, and that additional RSU tranches will vest on specified future dates, subject to certain employment-related events.

When will David W. Garner’s remaining SFNC restricted stock units vest?

According to the disclosure, 1,226 restricted stock units vest on March 4, 2027, and another 1,226 units vest on March 4, 2028. SFNC shares will be delivered within 30 days of each vesting date, with potential earlier vesting upon retirement, death, disability, or certain other events.

What is the nature of the SFNC tax-withholding transaction reported by David W. Garner?

The transaction coded “F” reflects payment of tax obligations by delivering SFNC common shares. Specifically, 347 shares were disposed of at $20.2100 per share. This type of transaction is characterized as a tax-withholding disposition rather than an open-market purchase or sale.

How are SFNC restricted stock units delivered to David W. Garner after vesting?

The disclosure indicates that SFNC will deliver common shares to David W. Garner within 30 days after each RSU vesting date. The footnotes add that certain events, including retirement, death, disability, or other specified conditions, may cause these RSUs to vest and be delivered earlier.