Simmons First National Corporation (SFNC) Q4 2024 Earnings Call Transcript

Simmons First National Corporation (NASDAQ:SFNC) Q4 2024 Results Conference Call January 22, 2025 8:30 AM ET

Company Participants

Ed Bilek – Director, Investor Relations
Jay Brogdon – President
Daniel Hobbs – CFO
George Makris – Chairman & CEO

Conference Call Participants

Woody Lay – KBW
Matt Olney – Stephens
David Feaster – Raymond James
Gary Tenner – D.A. Davidson
Stephen Scouten – Piper Sandler

Operator

Good morning, and welcome to the Simmons First National Corporation Fourth Quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note this event is being recorded.

I would now like to turn the conference over to Ed Bilek, Director of Investor Relations. Please go ahead.

Ed Bilek

Good morning, and welcome to Simmons First National Corporation’s Fourth Quarter 2024 Earnings Call. Joining me today are several members of our executive management team, including our Chairman and CEO, George Makris; President, Jay Brogdon; and CFO Daniel Hobbs. Today’s call will be in a Q&A format.

Before we begin, I would like to remind you that our fourth quarter earnings materials, including the earnings release and presentation deck are available on our website at simmonsbank.com under the Investor Relations tab.

During today’s call, we will make forward-looking statements about our future plans, goals, expectations, estimates, projections, and outlook, including, among others, our outlook regarding future economic conditions, interest rates, lending and deposit activity, credit quality, liquidity, and net interest margin.

These statements involve risk and uncertainties, and you should therefore not place undue reliance on any forward-looking statements as actual results could differ materially from those expressed in or implied by the forward-looking statements due to a variety of factors.

Additional information concerning some of these factors is contained in our earnings release and investor presentation furnished with our Form 8-K yesterday

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