(SFNC) Simmons First National - Overview
Stock: Loans, Deposits, Cards, Investments, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.37% |
| Yield on Cost 5y | 3.91% |
| Yield CAGR 5y | 4.30% |
| Payout Consistency | 91.4% |
| Payout Ratio | 50.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.7% |
| Relative Tail Risk | -13.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.09 |
| Alpha | -15.12 |
| Character TTM | |
|---|---|
| Beta | 0.803 |
| Beta Downside | 0.920 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.24% |
| CAGR/Max DD | 0.09 |
Description: SFNC Simmons First National January 11, 2026
Simmons First National Corporation (NASDAQ: SFNC) is the holding company for Simmons Bank, a full-service regional bank offering a wide range of products-including checking, savings, time deposits, corporate deposits, consumer and commercial loans, agricultural finance, SBA lending, trust services, credit cards, investment and treasury solutions, as well as insurance and ATM services. Its footprint spans Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas, and the firm traces its origins to 1903 with headquarters in Pine Bluff, Arkansas.
As of the most recent quarter (Q4 2023), SFNC reported total assets of roughly $13 billion, a net interest margin (NIM) of 3.2%-slightly above the regional-bank average of 2.9%-and a loan-to-deposit ratio of 78%, indicating a balanced funding profile. Deposits grew 6% year-over-year, driven largely by higher interest-bearing accounts, while loan growth slowed to 2% YoY, reflecting cautious underwriting amid elevated rates.
Key macro drivers for the bank include the Federal Reserve’s interest-rate policy (which compresses NIM but boosts deposit yields), agricultural commodity price volatility (affecting the bank’s farm-loan portfolio), and regional economic health in the Sun Belt, where population growth and business expansion tend to support loan demand. Assuming rates remain in the current 5-5.5% range, SFNC’s earnings outlook hinges on its ability to convert higher deposit costs into loan pricing without eroding credit quality.
For a deeper, data-rich dive into SFNC’s valuation metrics and scenario analysis, you might find ValueRay’s platform useful as a next step.
Piotroski VR‑10 (Strict, 0-10) 0.0
| Net Income: -397.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -1.15 > 1.0 |
| NWC/Revenue: -97.23% < 20% (prev -1363 %; Δ 1266 % < -1%) |
| CFO/TA 0.02 > 3% & CFO 416.7m > Net Income -397.6m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.86 > 1.5 & < 3 |
| Outstanding Shares: last quarter (145.2m) vs 12m ago 15.03% < -2% |
| Gross Margin: 4.46% > 18% (prev 0.50%; Δ 396.1% > 0.5%) |
| Asset Turnover: 2.40% > 50% (prev 5.38%; Δ -2.98% > 0%) |
| Interest Coverage Ratio: -1.19 > 6 (EBITDA TTM -496.7m / Interest Expense TTM 524.6m) |
Altman Z'' -0.18
| A: -0.02 (Total Current Assets 3.75b - Total Current Liabilities 4.35b) / Total Assets 24.54b |
| B: 0.04 (Retained Earnings 864.3m / Total Assets 24.54b) |
| C: -0.02 (EBIT TTM -621.7m / Avg Total Assets 25.71b) |
| D: 0.03 (Book Value of Equity 572.7m / Total Liabilities 21.12b) |
| Altman-Z'' Score: -0.18 = B |
Beneish M 1.00
| DSRI: 1.98 (Receivables 104.1m/123.2m, Revenue 618.0m/1.45b) |
| GMI: 11.11 (GM 4.46% / 49.50%) |
| AQI: 0.92 (AQ_t 0.82 / AQ_t-1 0.90) |
| SGI: 0.43 (Revenue 618.0m / 1.45b) |
| TATA: -0.03 (NI -397.6m - CFO 416.7m) / TA 24.54b) |
| Beneish M-Score: 6.44 (Cap -4..+1) = D |
What is the price of SFNC shares?
Over the past week, the price has changed by +7.28%, over one month by +13.48%, over three months by +26.36% and over the past year by -2.26%.
Is SFNC a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SFNC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 23 | 5.5% |
| Analysts Target Price | 23 | 5.5% |
| ValueRay Target Price | 24.5 | 12.1% |
SFNC Fundamental Data Overview February 01, 2026
P/B = 0.8603
P/EG = 3.72
Revenue TTM = 618.0m USD
EBIT TTM = -621.7m USD
EBITDA TTM = -496.7m USD
Long Term Debt = 667.8m USD (from longTermDebt, two quarters ago)
Short Term Debt = 21.4m USD (from shortTermDebt, last quarter)
Debt = 641.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 260.9m USD (from netDebt column, last quarter)
Enterprise Value = -62.3m USD (2.94b + Debt 641.4m - CCE 3.65b)
Interest Coverage Ratio = -1.19 (Ebit TTM -621.7m / Interest Expense TTM 524.6m)
EV/FCF = -0.16x (Enterprise Value -62.3m / FCF TTM 378.0m)
FCF Yield = -606.9% (FCF TTM 378.0m / Enterprise Value -62.3m)
FCF Margin = 61.16% (FCF TTM 378.0m / Revenue TTM 618.0m)
Net Margin = -64.33% (Net Income TTM -397.6m / Revenue TTM 618.0m)
Gross Margin = 4.46% ((Revenue TTM 618.0m - Cost of Revenue TTM 590.4m) / Revenue TTM)
Gross Margin QoQ = 65.06% (prev none%)
Tobins Q-Ratio = -0.00 (set to none) (Enterprise Value -62.3m / Total Assets 24.54b)
Interest Expense / Debt = 17.19% (Interest Expense 110.2m / Debt 641.4m)
Taxrate = 16.96% (15.9m / 94.0m)
NOPAT = -516.2m (EBIT -621.7m * (1 - 16.96%)) [loss with tax shield]
Current Ratio = 0.86 (Total Current Assets 3.75b / Total Current Liabilities 4.35b)
Debt / Equity = 0.19 (Debt 641.4m / totalStockholderEquity, last quarter 3.42b)
Debt / EBITDA = -0.53 (negative EBITDA) (Net Debt 260.9m / EBITDA -496.7m)
Debt / FCF = 0.69 (Net Debt 260.9m / FCF TTM 378.0m)
Total Stockholder Equity = 3.46b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.55% (Net Income -397.6m / Total Assets 24.54b)
RoE = -11.48% (Net Income TTM -397.6m / Total Stockholder Equity 3.46b)
RoCE = -15.05% (EBIT -621.7m / Capital Employed (Equity 3.46b + L.T.Debt 667.8m))
RoIC = -11.60% (negative operating profit) (NOPAT -516.2m / Invested Capital 4.45b)
WACC = 9.84% (E(2.94b)/V(3.58b) * Re(8.87%) + D(641.4m)/V(3.58b) * Rd(17.19%) * (1-Tc(0.17)))
Discount Rate = 8.87% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 7.43%
[DCF Debug] Terminal Value 75.26% ; FCFF base≈515.6m ; Y1≈625.8m ; Y5≈1.03b
Fair Price DCF = 85.64 (EV 12.66b - Net Debt 260.9m = Equity 12.40b / Shares 144.8m; r=9.84% [WACC]; 5y FCF grow 22.84% → 2.90% )
EPS Correlation: -43.70 | EPS CAGR: -2.33% | SUE: 0.97 | # QB: 1
Revenue Correlation: -32.54 | Revenue CAGR: 16.67% | SUE: -0.73 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.47 | Chg30d=+0.025 | Revisions Net=+5 | Analysts=6
EPS current Year (2026-12-31): EPS=2.01 | Chg30d=+0.082 | Revisions Net=+5 | Growth EPS=+16.3% | Growth Revenue=+9.7%
EPS next Year (2027-12-31): EPS=2.12 | Chg30d=+0.065 | Revisions Net=+3 | Growth EPS=+5.6% | Growth Revenue=+4.2%