Garner David W 4

What Happened

• David W. Garner, Executive Vice President and Chief Accounting Officer of Simmons First National Corporation (SFNC), received a grant of 7,775 restricted stock units (RSUs) on January 27, 2026. The award is reported as a derivative grant: 7,775 units @ $0.00, total $0 (derivative award). Each RSU represents a contingent right to one share of SFNC common stock.

Key Details

• Transaction date: 2026-01-27; Transaction type/code: A (award/grant, derivative)
• Grant size: 7,775 RSUs; reported price: $0.00; reported total value: $0 (derivative instrument)
• Vesting schedule (footnote): 2,591 RSUs vest Jan 27, 2027; 2,592 RSUs vest Jan 27, 2028; 2,592 RSUs vest Jan 27, 2029. Shares will be delivered within 30 days of each vesting date. Certain events (retirement, death, disability, other specified events) may trigger earlier vesting.
• Shares owned after transaction: not specified in the filing.
• Filing timeliness: Form 4 was filed on Jan 29, 2026 covering the Jan 27, 2026 award; no late filing is indicated in the report.

Context

• This was a compensation award (RSUs) rather than an open-market purchase or sale; RSU grants are commonly used for retention and incentive pay. Because RSUs are contingent rights to future shares, they do not represent immediate stock purchases or sales and typically vest over time per the schedule above.