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An announcement from Simmons 1st Nat’l ( (SFNC) ) is now available.
On January 20, 2026, Simmons First National Corporation reported fourth-quarter 2025 diluted earnings per share of $0.54 on net income of $78.1 million, driven by total revenue of $249.0 million and a 31-basis-point sequential expansion in net interest margin to 3.81%. Adjusted pre-provision net revenue rose 19% from the prior quarter to $110.4 million, supported by lower deposit costs, improved efficiency ratios, and modest annualized growth of 7% in total loans and 7–8% in total deposits, while key capital ratios such as tangible common equity and CET1 remained solid. Asset quality metrics showed mixed signals: the net charge-off ratio increased to 1.12% due to previously disclosed credit issues and a run-off portfolio, but the nonperforming loan ratio improved by 26 basis points to 0.64%, with management highlighting proactive credit cleanup and appropriate reserve levels as part of an ongoing effort to strengthen the loan portfolio and overall balance sheet positioning.
The most recent analyst rating on (SFNC) stock is a Hold with a $19.50 price target. To see the full list of analyst forecasts on Simmons 1st Nat’l stock, see the SFNC Stock Forecast page.
Spark’s Take on SFNC Stock
According to Spark, TipRanks’ AI Analyst, SFNC is a Neutral.
The score is held back primarily by weak recent financial performance (material revenue decline and a large TTM loss), partly offset by resilient cash flow and moderate leverage. Technicals are mildly positive, and valuation is supported by a strong dividend yield, but the negative P/E underscores ongoing earnings risk.
To see Spark’s full report on SFNC stock, click here.
More about Simmons 1st Nat’l
Simmons First National Corporation is a regional banking company that provides commercial and consumer lending, deposit services and other financial products through a network of more than 220 financial centers. The bank focuses on balance sheet management, asset quality and capital strength to support loan and deposit growth across its footprint.
Average Trading Volume: 1,058,772
Technical Sentiment Signal: Buy
Current Market Cap: $2.78B
For detailed information about SFNC stock, go to TipRanks’ Stock Analysis page.