Simmons First National Corporation SFNC R2K

Financial Services · Banks - Regional · United States

https://www.simmonsbank.com

Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers deposits, checking, and savings accounts; loan products, such as consumer, real estate, commercial, agricultural, equipment, warehouse lending, and SBA lending; specialized products and services, including credit cards, trust and fiduciary services, investments, and insurance; and treasury management services. It also provides ATM services; internet and mobile banking platforms; overdraft facilities; safe deposit boxes; and brokerage services. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

Market & Price

Market Cap

$3.11B

Current Price

$21.45

High / Low (52W)

$21.66 / $16.88

Beta

0.94

Valuation

Stock P/E

Industry PE

12.01

Forward P/E

9.78

PEG Ratio

3.83

Book Value

$23.70

Price to Book

0.91

P/S

38.24

EV/EBITDA

Dividend Yield

4.01%

Profitability & Returns

ROCE

ROE

-10.37%

ROA

-1.40%

Profit Margin

0.00%

Op Margin

39.35%

EPS (Latest Qtr)

$0.47

EPS (TTM)

$-2.75

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$827.24M

Total Assets

$24.54B

Current Assets

Working Capital

Ownership

Promoter Holding

1.26%

Chg in Prom Hold

FII / Inst Holding

84.51%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$3.32B

Total Revenue (TTM)

$81.37M

EBITDA

Free Cash Flow

Operating Cash Flow

$457.02M

Shares Outstanding

145.06M

Gross Margin

0.00%

Payout Ratio

66.54%

Growth (CAGR)

Revenue 5Y

-52.48%

Profit 5Y

-85.01%

Revenue (YoY)

24.10%

Earnings (YoY)

82.60%

PROS

Attractive dividend yield of 4.01%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -52.5% CAGR over 5 years.
Earnings shrank at -85.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SFNC Simmons First National Corporation R2K	21.45	-	$3.11B	4.01%	-	-10.37%	-52.48%	-85.01%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2014	Jun 2014	Sep 2014	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	206.55M	210.99M	-572.74M	249.12M	238.26M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	144.41M	143.20M	126.76M	110.23M	104.65M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	38.20M	63.64M	-723.52M	94.03M	86.07M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.81M	8.87M	-160.73M	15.95M	17.53M
Net Income	4.35M	9.91M	8.79M	12.64M	8.73M	20.09M	21.68M	23.50M	22.91M	23.43M	22.12M	23.07M	28.85M	51.31M	53.56M	55.19M	47.70M	55.92M	81.83M	77.24M	58.80M	65.90M	67.42M	74.92M	80.57M	65.09M	27.45M	80.60M	45.59M	58.31M	47.25M	38.87M	40.76M	-	-	32.39M	54.77M	-562.79M	78.08M	68.54M
Diluted EPS	0.27	0.60	0.52	-	0.39	0.67	0.72	0.77	0.75	0.76	0.35	0.36	0.44	0.59	0.58	0.59	0.51	0.58	0.84	0.68	0.54	0.60	0.62	0.69	0.74	0.58	0.21	0.63	0.36	0.46	0.37	0.31	0.32	-	-	0.26	0.43	-4.01	0.54	0.47

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	875.14M	781.54M	762.75M	93.91M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	144.42M	560.03M	683.60M	524.61M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	306.56M	200.60M	171.31M	-527.65M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	50.15M	25.55M	18.61M	-130.10M
Net Income	25.21M	37.12M	25.37M	27.68M	23.23M	35.69M	74.36M	96.81M	92.94M	215.71M	238.17M	254.90M	-	256.41M	175.06M	152.69M	-397.55M
Diluted EPS	1.74	2.15	1.47	1.64	1.42	2.11	1.31	1.56	1.33	2.32	2.41	2.31	-	2.06	1.38	1.21	-2.96

Compounded Sales Growth

5 Years:	-52.48%
1 Year:	24.10%

Compounded Profit Growth

5 Years:	-85.01%
1 Year:	82.60%

Stock Price Performance

1 Year:	+19.49%
6 Months:	+17.17%
3 Months:	+8.97%
1 Month:	+0.94%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.32B	3.32B	3.53B	4.38B	4.64B	7.56B	8.40B	15.00B	16.54B	21.26B	22.36B	-	27.46B	27.35B	26.88B	24.54B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	139.54M	353.58M	452.06M	570.21M	537.80M	539.38M	335.91M	252.26M	285.66M	598.04M	833.46M	-	-	-	682.92M	614.19M	687.48M	712.01M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	102.89M	122.43M	123.24M	104.06M
Total Liabilities	-	-	2.92B	2.91B	3.12B	3.98B	4.15B	6.48B	7.25B	12.97B	14.30B	18.27B	19.38B	-	24.19B	23.92B	23.35B	21.12B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	110.06M	137.71M	135.30M	222.86M	333.56M	218.59M	369.40M	435.86M	1.72B	-	1.23B	1.34B	1.11B	619.97M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.23B	1.34B	1.11B	619.97M
Total Equity	288.79M	371.25M	397.37M	407.91M	406.06M	403.83M	494.32M	1.08B	1.15B	2.08B	2.25B	2.99B	2.98B	-	3.27B	3.43B	3.53B	3.42B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	127.05M	125.18M	125.65M	144.76M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	29.75M	39.11M	29.56M	36.08M	36.09M	11.62M	84.36M	91.13M	114.56M	226.98M	256.08M	202.54M	-	322.20M	540.98M	425.92M	449.50M
Investing Cash Flow	33.45M	422.83M	101.56M	187.00M	8.39M	12.24M	134.71M	-250.95M	-338.47M	-1.40B	604.48M	1.19B	-	-946.23M	-183.59M	369.51M	1.57B
Financing Cash Flow	150.85M	-363.47M	-12.97M	-255.49M	-42.90M	-227.33M	-302.72M	193.21M	536.29M	1.40B	-697.39M	1.08B	-	-344.50M	-425.42M	-722.15M	-2.00B
Capital Expenditure	-4.26M	-4.00M	-14.47M	-2.27M	-4.77M	-11.29M	-14.83M	-18.89M	-34.22M	-29.74M	-67.83M	-13.27M	-	-35.27M	-33.09M	-45.51M	-38.14M
Free Cash Flow	25.49M	35.11M	15.09M	33.81M	31.32M	327.00K	69.53M	72.24M	80.35M	197.24M	188.25M	189.27M	-	286.93M	507.89M	380.42M	411.36M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-968.53M	-68.03M	73.28M	24.54M
Share Buybacks	-	-	3.28M	17.57M	10.85M	-	-	-	0	0	10.13M	113.33M	132.46M	111.13M	40.32M	0	0
Dividends Paid	11.24M	13.09M	13.16M	13.49M	13.71M	15.36M	-	-	-	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	29.3%	22.4%	20.0%	-423.3%
ROE %	6.8%	9.3%	6.2%	6.8%	5.8%	7.2%	6.9%	8.4%	4.5%	9.6%	8.0%	8.6%	-	7.8%	5.1%	4.3%	-11.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.26%

Institutions

84.51%

Public Float

85.59%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.29%	20.72M	$444.50M
2	Vanguard Portfolio Management LLC	6.07%	8.81M	$188.91M
3	State Street Corporation	5.26%	7.64M	$163.81M
4	Vanguard Capital Management LLC	4.51%	6.55M	$140.42M
5	Wellington Management Group, LLP	4.37%	6.35M	$136.13M
6	Dimensional Fund Advisors LP	4.31%	6.25M	$133.97M
7	Northern Trust Corporation	3.02%	4.38M	$94.01M
8	Geode Capital Management, LLC	2.52%	3.66M	$78.51M
9	Westwood Holdings Group Inc.	2.42%	3.51M	$75.26M
10	Two Sigma Investments, LP	1.76%	2.55M	$54.70M

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