西蒙斯第一国家公司美股招股说明书(2025-07-23版)

Simmons First National Corporation ClassA Common StockWe are offering 16,220,000shares of our ClassA common stock, par value $0.01 per share, or our common stock. Our common stock is listed on the Nasdaq Global Select Market (“Nasdaq”) under the symbol “SFNC.” The last reported closing price of our common stock on Investing in our common stock involves certain risks. Please read the “Risk Factors” beginning onpageS-16of thisprospectus supplement, on page4 of the accompanying prospectus and contained in our Annual Report onForm10-Kfor the year ended December31, 2024 (the “Annual Report”), which is incorporated herein by reference, as well as the risks set forth in ourother filings with the U.S. Securities and Exchange Commission (“SEC”) that are incorporated by reference herein, for adiscussion of certain risks that should be considered in connection with an investment in our common stock. Public offering priceUnderwriting discounts and commissions(2) Proceeds, before expenses, to us$17.5750$285,066,500.00(1)Assumes (i)no exercise of the underwriters’ option to purchase additional shares described below and (ii)no participation in the directed share program for in this offering to investors introduced by the underwriters. For shares sold in this offering pursuant to the directed share program, we have agreed to payunderwriting discounts and commissions equal to three percent (3%) per share. As a result, the actual total underwriting discount and net proceeds to us may belower and higher, respectively, than the amounts shown above. The underwriters will also be reimbursed for certain expenses incurred in this offering. See“Underwriting” for details.At our request, the underwriters have reserved up to 811,000 shares of our common stock offered by this prospectus supplement for sale at the public offering deliver the shares of common stock in book-entry form only through the facilities of The Depository Trust Company, against payment on or about July23, 2025. Joint Book-Running ManagersStephens Inc.Keefe,Bruyette&WoodsA Stifel CompanyCo-ManagersBairdRaymond James The date of this prospectus supplement is July21, 2025. Prospectus SupplementAbout This Prospectus Supplement and the Accompanying Prospectus Incorporation by ReferenceCautionary Note Regarding Forward-Looking Statements Use of Proceeds S-i is not exercised. incorporated by reference in this prospectus supplement, the accompanying prospectus or in any free writing prospectus prepared by or onbehalf of the Company, or to which the Company has referred you. Neither the Company nor the underwriters take any responsibility for, or can provide any assurance as to the reliability of, any information that others may give you. If any information in this prospectus supplement isinconsistent with the accompanying prospectus or any document incorporated by reference in this prospectus supplement or the accompanyingprospectus, you should rely on the information in this prospectus supplement. You should not assume that the information provided in thisprospectus supplement, the accompanying prospectus or the documents incorporated by reference in this prospectus supplement and in theaccompanying prospectus is accurate as of any date other than the date of this prospectus supplement or the date of the document in which thatinformation is contained. Our business, financial condition, liquidity, results of operations and prospects may have changed since the date ofany document in which such information is contained.Neither the Company nor the underwriters are offering to sell nor seeking an offer to buy our common stock in any jurisdiction wheresuch offers and sales are not permitted. The distribution of this prospectus supplement and the accompanying prospectus and the offering of and the accompanying prospectus outside the United States. This prospectus supplement and the accompanying prospectus do not constitute,and may not be used for or in connection with, an offer or solicitation by any person in any jurisdiction in which such offer or solicitation is notauthorized or in which the person making such offer or solicitation is not authorized or is not qualified to do so or to any person to whom it isunlawful to make such offer or solicitation, and this prospectus supplement and the accompanying prospectus may not be delivered to anyperson to whom it is unlawful to make such offer or solicitation. See “Underwriting” in this prospectus supplement.S-iii We file annual, quarterly and current reports, proxy statements and other information with the SEC. Our filings with the SEC are also available tothe public through the SEC’s website at www.sec.gov.Our annual, quarterly and current reports and any amendments to those reports are also available over the Internet on our website at We have filed an automatic shelf registration statement(FileNo.333-279502)withthe SEC registering the offering of various securities of ours, including the shares of our com