SFNC Stock Analysis: Simmons First National | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 3.285m USD | 12M Return: 21.4% | US8287302009 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 33.4M
EPS Trend: 26.9%
Qual. Beats: 0
Rev. Trend: -79.6%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Simmons First National Corporation (NASDAQ: SFNC) is a bank holding company that operates through its subsidiary, Simmons Bank, providing a comprehensive suite of banking and financial services to both individual and business customers. The company is classified within the Regional Banks sub-industry of the Financials sector, reflecting its community-oriented banking model.
The companys offerings span traditional banking products such as deposits, checking, savings accounts, and various loan categories (including consumer, real estate, commercial, agricultural, equipment, warehouse, and SBA lending). It also provides ancillary financial services like credit cards, trust and fiduciary services, investments, insurance, treasury management, ATM services, digital banking platforms, overdraft facilities, safe deposit boxes, and brokerage services, reflecting a diversified regional bank business model designed to deepen customer relationships across multiple revenue streams.
Simmons First National Corporation conducts operations across six U.S. states-Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas-with its headquarters located in Pine Bluff, Arkansas. Founded in 1903 and listed on NASDAQ since 1992, the company has a long operating history and a multi-state regional footprint typical of mid-sized U.S. community banking franchises.
- Net interest margin compresses on rising deposit costs
- Loan growth across commercial and real estate portfolios drives revenue
- Credit quality and loan loss provisions remain key earnings swing factor
| Net Income: -349.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.63 > 1.0 |
| NWC/Revenue: 615.8% < 20% (prev -1.32k%; Δ 1.93k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 522.9m > Net Income -349.5m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 76.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (145.8m) vs 12m ago 15.37% < -2% |
| Gross Margin: 13.51% > 18% (prev 51.44%; Δ -37.93% > 0.5%) |
| Asset Turnover: 2.22% > 50% (prev 5.32%; Δ -3.10% > 0%) |
| Interest Coverage Ratio: -1.09 > 6 (EBIT TTM -489.6m / Interest Expense TTM 448.7m) |
| A: 0.14 (Total Current Assets 3.56b - Total Current Liabilities 46.2m) / Total Assets 24.8b |
| B: 0.04 (Retained Earnings 937.3m / Total Assets 24.8b) |
| C: -0.02 (EBIT TTM -489.6m / Avg Total Assets 25.7b) |
| D: 0.16 (Book Value of Equity 3.48b / Total Liabilities 21.3b) |
| Altman-Z'' = 1.10 = BB |
| DSRI: 2.13 (Receivables 103.0m/120.4m, Revenue 570.3m/1.42b) |
| GMI: 3.81 (GM 51.44% / 13.51%) |
| AQI: 0.97 (AQ_t 0.83 / AQ_t-1 0.86) |
| SGI: 0.40 (Revenue 570.3m / 1.42b) |
| TATA: -0.04 (NI -349.5m - CFO 522.9m) / TA 24.8b) |
| Beneish M = -0.00 (Cap -4..+1) = D |
As of October 06, 2026, the stock is trading at USD 22.71 with a total of 1,527,090 shares traded. Over the past week, the price has changed by -0.53%, over one month by -1.24%, over three months by +0.67% and over the past year by +21.36%.
Current recommended Stop Loss: 21.70 (which is 4.4% or 2.1 ATR below the current price).
Simmons First National has received a consensus analysts rating of 3.71. Therefore, it is recommended to hold SFNC.
- StrongBuy: 2
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 25.9 | 14.2% |
P/E Forward = 9.5238
P/S = 29.7884
P/B = 0.9507
P/EG = 3.8253
Revenue TTM = 570.3m USD
EBIT TTM = -489.6m USD
EBITDA TTM = -407.0m USD
Long Term Debt = 1.25b USD (from longTermDebt, last quarter)
Short Term Debt = 46.2m USD (from shortTermDebt, last quarter)
Debt = 1.30b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.16b USD (calculated: Debt 1.30b - CCE 3.45b)
Enterprise Value = 1.13b USD (3.28b + Debt 1.30b - CCE 3.45b)
Interest Coverage Ratio = -1.09 (Ebit TTM -489.6m / Interest Expense TTM 448.7m)
EV/FCF = 2.35x (Enterprise Value 1.13b / FCF TTM 481.0m)
FCF Yield = 42.58% (FCF TTM 481.0m / Enterprise Value 1.13b)
FCF Margin = 84.34% (FCF TTM 481.0m / Revenue TTM 570.3m)
Net Margin = -61.28% (Net Income TTM -349.5m / Revenue TTM 570.3m)
Gross Margin = 13.51% ((Revenue TTM 570.3m - Cost of Revenue TTM 493.2m) / Revenue TTM)
Gross Margin QoQ = 64.99% (prev 65.33%)
Tobins Q-Ratio = 0.05 (Enterprise Value 1.13b / Total Assets 24.8b)
Interest Expense / Debt = 34.53% (Interest Expense 448.7m / Debt 1.30b)
Taxrate = 20.03% (16.7m / 83.4m)
NOPAT = -391.6m (EBIT -489.6m * (1 - 20.03%)) [loss with tax shield]
Current Ratio = 76.98 (Total Current Assets 3.56b / Total Current Liabilities 46.2m)
Debt / Equity = 0.37 (Debt 1.30b / totalStockholderEquity, last quarter 3.48b)
Debt / EBITDA = 5.30 (negative EBITDA) (Net Debt -2.16b / EBITDA -407.0m)
Debt / FCF = -4.48 (Net Debt -2.16b / FCF TTM 481.0m)
Total Stockholder Equity = 3.42b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.36% (Net Income -349.5m / Total Assets 24.8b)
RoE = -10.21% (Net Income TTM -349.5m / Total Stockholder Equity 3.42b)
RoCE = -10.47% (EBIT -489.6m / Capital Employed (Equity 3.42b + L.T.Debt 1.25b))
RoIC = -1.58% (negative operating profit) (NOPAT -391.6m / Invested Capital 24.7b)
WACC = 13.93% (E(3.28b)/V(4.58b) * Re(8.51%) + D(1.30b)/V(4.58b) * Rd(34.53%) * (1-Tc(0.20)))
Discount Rate = 8.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.47 | Cagr: 6.84%
[DCF] Terminal Value 62.09% ; FCFF base≈428.2m ; Y1≈490.8m ; Y5≈722.3m
[DCF] Fair Price = 52.55 (EV 5.44b - Net Debt -2.16b = Equity 7.59b / Shares 144.5m; r=13.93% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 26.89 | EPS CAGR: 3.94% | SUE: -0.58 | # QB: 0
Revenue Correlation: -79.56 | Revenue CAGR: -31.12% | SUE: 0.27 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.53 | Chg30d=+0.23% | Revisions=+25% | Analysts=7
EPS current Year (2026-12-31): EPS=2.05 | Chg30d=+0.29% | Revisions=+40% | GrowthEPS=+18.8% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=2.32 | Chg30d=+5.65% | Revisions=+50% | GrowthEPS=+13.1% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +67% (up=6, down=0)