Simmons First National (SFNC)
NASDAQ:SFNC
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SFNC Stock Chart & Stats
$21.52
-$0.10(-0.46%)
At close: 4:00 PM EST
$21.52
-$0.10(-0.46%)
Day’s Range― - ―
52-Week Range$17.00 - $22.18
Previous CloseN/A
Volume91.19K
Average Volume (3M)1.16M
Market Cap
$3.06B
Enterprise Value$3.53B
Total Cash (Recent Filing)$3.65B
Total Debt (Recent Filing)$641.35M
Price to Earnings (P/E)10.3
Beta0.86
Next Earnings
Jul 28, 2026EPS Estimate
0.52Next Dividend Ex-DateN/A
Dividend Yield4.41%
Share Statistics
EPS (TTM)-3.24
Shares Outstanding144,867,840
10 Day Avg. Volume1,242,064
30 Day Avg. Volume1,155,159
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.79
Price to Sales (P/S)4.30
P/FCF Ratio6.37
Enterprise Value/Market Cap1.15
Enterprise Value/Revenue5.71
Enterprise Value/Gross Profit128.24
Enterprise Value/Ebitda-7.95
Forecast
1Y Price Target
$23.25Price Target Upside8.04% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)2.02
Revenue Forecast (FY)$994.92M
Bulls Say, Bears Say
Bulls Say
Organic Loan GrowthSustained 10% annualized loan growth indicates durable core revenue expansion that compounds net interest income over time. Strong origination and diversified pipelines support funding of higher-earning assets, improve scale for treasury and fee cross-sells, and strengthen the bank’s long-term revenue base if asset quality holds.
NIM And NII MomentumImproving NIM and explicit NII guidance reflect structural margin tailwinds from lower deposit costs and disciplined funding. A mid-3.8% NIM target, combined with lower deposit beta, supports sustainable interest income growth, aiding long-term profitability resilience as loan yields normalize and funding mix improves.
Capital And Balance-sheet ResilienceModerate leverage and sizable equity provide a durable capital buffer to absorb credit volatility and fund growth. Management’s CET1 target (~10.5%) and conservative leverage trends enhance regulatory flexibility and support the dividend and measured capital deployment while organic growth scales the balance sheet.
Bears Say
2025 Profitability CollapseA material earnings reversal in 2025 that produced a large loss and negative margins weakens the company’s ability to internally generate capital and sustain return targets. Even if transient, such swings reduce predictability of dividends, buybacks, and reinvestment capacity and raise scrutiny over earnings quality.
Credit Migration And NonaccrualsRecent nonaccrual additions highlight episodic credit deterioration that can force heightened provisioning and pressure future earnings. Concentrated loan issues, even if isolated, signal portfolio monitoring risks and could increase net charge-offs and reserve needs if stress broadens or legal timing delays recoveries.
Thin And Volatile Free Cash-flow CoveragePositive but uneven free cash flow limits cushion for adverse scenarios and constrains discretionary capital use. Thin coverage reduces flexibility for aggressive buybacks or rapid investment, forcing a conservative capital posture that may delay returns to shareholders during cyclical stress or higher credit provisioning.
Simmons 1st Nat'l News
SFNC FAQ
What was Simmons First National’s price range in the past 12 months?
Simmons First National lowest stock price was $17.00 and its highest was $22.18 in the past 12 months.
What is Simmons First National’s market cap?
Simmons First National’s market cap is $3.06B.
When is Simmons First National’s upcoming earnings report date?
Simmons First National’s upcoming earnings report date is Jul 28, 2026 which is in 82 days.
How were Simmons First National’s earnings last quarter?
Simmons First National released its earnings results on Apr 16, 2026. The company reported $0.47 earnings per share for the quarter, beating the consensus estimate of $0.469 by $0.001.
Is Simmons First National overvalued?
According to Wall Street analysts Simmons First National’s price is currently Undervalued.
Does Simmons First National pay dividends?
Simmons First National pays a Quarterly dividend of $0.212 which represents an annual dividend yield of 4.41%. See more information on Simmons First National dividends here
What is Simmons First National’s EPS estimate?
Simmons First National’s EPS estimate is 0.52.
How many shares outstanding does Simmons First National have?
Simmons First National has 144,867,840 shares outstanding.
What happened to Simmons First National’s price movement after its last earnings report?
Simmons First National reported an EPS of $0.47 in its last earnings report, beating expectations of $0.469. Following the earnings report the stock price went up 5.181%.
Which hedge fund is a major shareholder of Simmons First National?
Currently, no hedge funds are holding shares in SFNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Simmons 1st Nat'l Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$23.25 (8.04% Upside)
$23.25 (8.04% Upside)
Blogger Sentiment
Bullish
SFNC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 580.7K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 80%
Bearish news 20%
Bearish news 20%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-5.41%
12-Months-Change
Fundamentals
Return on Equity
-10.51%
Trailing 12-Months
Asset Growth
-8.22%
Trailing 12-Months
Company Description
Simmons First National
Simmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. It offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; insurance products; and securities and investment services. The company also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. As of January 27, 2022, the company operated through 199 financial centers in Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
SFNC Company Deck
SFNC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong organic loan growth (10% annualized this quarter), improving margin dynamics (linked-quarter NIM +3 bps and deposit-cost improvement of ~48 bps YoY), successful talent hires (wealth team bringing ~$350M AUM) and continued expense discipline driving positive operating leverage. Offsetting items were isolated credit migrations (≈$30M nonaccruals, ~$18M from one relationship), continued elevated paydowns, and heightened deposit competition in certain markets. Management reiterated constructive 2026 guidance for NII (9%–11%) and operating leverage (5%+), expressed confidence in credit and capital positions, and signaled measured capital deployment. Overall, positive operational momentum and margin tailwinds materially outweigh the isolated credit and competitive headwinds.View all SFNC earnings summariesSFNC Stock 12 Month Forecast
Average Price Target
$23.25
▲(8.04% Upside)
Technical Analysis
Ownership Overview
1.26% Insiders
22.20% Mutual Funds
2.72% Other Institutional Investors
44.09% Public Companies and
Individual Investors