SFNC Down mid single digits Down mid single digits TOTAL COMPANY FINANCIAL ASSUMPTIONS Operating Margin before charges / gains 13.5% to 14.5% 14.0% to 15.0% Net tariff refund 1 benefit to Operating Income $81 million Cash flow from operations $475 million to $510 million $495 million to $530 million Free cash flow $350 million to $400 million $370 million to $420 million 1 Net tariff refunds include anticipated gross tariff refunds, partially offset by increases in directly attributable variable incentive compensation costs and taxes (for EPS only) Prior 2026 Full-Year Assumptions Updated 2026 Full-Year Assumptions OTHER ASSUMPTIONS Interest Expense $110 million to $115 million $108 million to $112 million Capex $110 million to $125 million $110 million to $125 million Tax Rate 24.0% to 24.5% 24.0% to 24.5% Share Count 120 million to 120.5 million 120 million to 120.5 million For certain forward-looking non-GAAP measures (as used in this press release, operating margin before charges / gains and EPS before charges / gains), the Company is unable to provide a reconciliation to the most comparable GAAP financial measure because the information needed to reconcile the non-GAAP financial measure to the GAAP financial measure is unavailable due to the inherent difficulty of forecasting the timing and / or amount of various items that have not yet occurred, including the high variability and low visibility with respect to gains and losses associated with our defined benefit plans, which are excluded from EPS before charges / gains and restructuring and other charges, which are excluded from operating margin before charges / gains and EPS before charges / gains. Additionally, estimating such GAAP measures and providing a meaningful reconciliation consistent with the Company’s accounting policies for future periods require

later in the release …

the item shown at left

other guidance in this release

Text is the filed exhibit, verbatim.