Ticker: NASDAQ: SFNC 🏦 
Price: $19.66 ⬇️ -0.45 (-2.24%) as of Jul-24-2025
Dividend History: 🎯 116 consecutive years (no kidding)
Recent Insider Activity: 🛒 They're buying... big time.
Public Offering: 💰 $300 million raised at $18.50/share

🧠 What Just Happened?

Simmons Bank isn’t new to the money game. It’s been paying cash dividends since Teddy Roosevelt was President. That’s 116 straight years of returning money to shareholders 💸.

And this week? It got spicy 🌶️:

• $300 million raised via a public offering at $18.50 per share

• Insider buying frenzy the very next day

• 10 executives and directors opened their wallets

• 👇 See below for who bought what — and how much

👀 Insider Purchases (Jul 23, 2025)

💡 Translation: They like it. A lot.

📊 Institutional Backing? Also Strong

🏛️ Over 75% of float held by institutions
🔝 Big players include:

• BlackRock (14.5%) 🖤

• Vanguard (11.6%)

• Dimensional, State Street, Northern Trust and more

🏁 2Q25 Results: Not Bad at All

📈 Net Income: $54.8M (up from $32.4M last quarter)
📈 EPS: $0.43
📈 Net Interest Margin: 3.06% (5th consecutive quarterly increase)
💰 Low-cost deposits up $233.1M
💸 Noninterest expenses down 5% (efficiency gains!)
📉 Noninterest income slightly down, a watch item

CEO George Makris says:

“Our net interest margin increased for the fifth consecutive quarter... we’re encouraged by our positive momentum heading into the last half of 2025.”

👉 Want the full picture? Dive into Simmons Bank (SFNC)'s financials here.

🧮 Valuation Metrics

Is it dirt cheap? Not exactly.
Is it expensive? Also no.
Is it exciting? Well... the dividend's been exciting for over a century.

⚠️ Risks

🚨 Macro Pressures: Recession = bad loans
💣 Credit Risk: Some commercial borrowers going sour
📉 Low-Yield Investments: May weigh down returns
🏛️ Regulatory Uncertainty
🌀 Tariff Volatility: Still messing with forecasts

💡💡💡 Curious about another deep oil exploration play?
Check our takes on UnitedHealth Group or even Oscar Health.

🤔 Final Thoughts

Simmons isn’t a rocketship 🚀, but it might be a steady ship. The insider buying after a major offering adds intrigue. The numbers are solid, if not spectacular.
If you're into banks that pay you for decades and don’t explode 💥, this might be a candidate for your watchlist.

✅ Dividend aristocrat vibes
🤷♂️ Valuation isn’t screaming bargain
🛒 But insiders bought. A lot. At $18.50

Start small. Watch closely. Or just say, “That’s cute,” and move on.

📍 Where is Arkansas, anyway?
We bank elsewhere. But if Simmons delivers, you might not have to.

🚨 Disclaimer:

This isn’t investment advice. It’s just a second opinion — and yes, we’re billing your sense of humor. 🎪💸 Also, it’s a reminder that sometimes the quietest stocks have the longest paychecks.

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