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Simmons First National (SFNC)
NASDAQ:SFNC
SFNC Stock Chart & Stats
$20.20
-$0.10(-0.46%)
At close: 4:00 PM EST
$20.20
-$0.10(-0.46%)
Day’s Range― - ―
52-Week Range$17.00 - $22.18
Previous CloseN/A
Volume91.19K
Average Volume (3M)1.19M
Market Cap
$2.93B
Enterprise Value$3.19B
Total Cash (Recent Filing)$3.65B
Total Debt (Recent Filing)$641.35M
Price to Earnings (P/E)―
Beta0.80
Next Earnings
Apr 28, 2026EPS Estimate
0.48Next Dividend Ex-DateN/A
Dividend Yield4.41%
Share Statistics
EPS (TTM)0.54
Shares Outstanding144,867,840
10 Day Avg. Volume1,026,162
30 Day Avg. Volume1,192,072
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.79
Price to Sales (P/S)4.30
P/FCF Ratio6.55
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue5.16
Enterprise Value/Gross Profit115.71
Enterprise Value/Ebitda-7.18
Forecast
1Y Price Target
$22.67Price Target Upside12.23% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)2
Revenue Forecast (FY)$992.98M
Bulls Say, Bears Say
Bulls Say
Balance-sheet ResilienceLeverage has improved and equity is sizable versus assets, providing a durable capital buffer. That resilience reduces solvency risk, supports loss absorption, and preserves capacity to fund lending or dividends through economic cycles, enhancing multi-quarter financial flexibility.
Consistent Cash GenerationOperating and free cash flow remained positive and improved in 2025 despite the headline loss, indicating the core business generates cash. Persistent cash generation supports organic loan growth, dividend funding, and the $175M buyback optionality while limiting reliance on expensive wholesale funding.
Back-book Repricing And NII/NIM GuidanceManagement expects substantial back-book repricing (> $2.5B under 4%) and guided to 9%–11% NII growth with NIM near mid‑3.80%. These structural repricing dynamics and explicit guidance support a durable uplift in net interest income and margin recovery across the next two years.
Bears Say
2025 Profitability ShockA large net loss and materially negative margins in 2025 represent a meaningful reversal of prior profitability. Restoring stable earnings will require sustained NIM and fee improvement plus expense control; until then, ROE and capital deployment plans remain constrained and risk investor confidence.
Deposit Competition And Funding ConstraintsElevated deposit competition and a below‑peer share of core noninterest-bearing deposits limit low-cost funding growth. A high cumulative deposit beta (~64%) raises NIM sensitivity and may force reliance on pricier funding or slower loan growth, constraining durable margin expansion.
Compressed Loan Pricing In CRE MarketsManagement notes aggressive, return‑compressing CRE pricing that reduces risk‑adjusted yields. If competitive pressure persists, attractive lending opportunities shrink, underwriting must tighten, and long-term loan spread recovery will be harder, limiting sustainable revenue and margin upside.
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 $2.93B.
When is Simmons First National’s upcoming earnings report date?
Simmons First National’s upcoming earnings report date is Apr 28, 2026 which is in 54 days.
How were Simmons First National’s earnings last quarter?
Simmons First National released its earnings results on Jan 20, 2026. The company reported $0.54 earnings per share for the quarter, beating the consensus estimate of $0.479 by $0.061.
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 0.48.
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 $0.54 in its last earnings report, beating expectations of $0.479. Following the earnings report the stock price went up 8.921%.
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
1
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5
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7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$22.67 (12.23% Upside)
$22.67 (12.23% Upside)
Blogger Sentiment
Bullish
SFNC Sentiment 100%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Increased
By 580.7K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-4.15%
12-Months-Change
Fundamentals
Return on Equity
-11.44%
Trailing 12-Months
Asset Growth
-9.08%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call portrayed strong operational and financial momentum: meaningful NIM expansion, elevated loan production, robust revenue and pre-provision income growth, improved funding mix and notable profitability (ROA ~1.29%, ROTCE ~mid-teens). Management also resolved legacy asset-quality issues, reduced expenses versus multi-year run rates, and signaled investments in talent and deposit-growth initiatives. Offsetting items include competitive pressure on loan pricing (especially CRE), deposit competition in select markets, some nonrecurring Q4 items (BOLI gains and favorable tax rate), planned modest expense growth to fund investments, and management’s cautious guidance for 2026 loan growth and the potential sensitivity to future rate cuts. On balance, the positive operational and financial developments materially outweigh the challenges.View all SFNC earnings summariesSFNC Stock 12 Month Forecast
Average Price Target
$22.67
▲(12.23% Upside)
Technical Analysis
Ownership Overview
1.25% Insiders
22.56% Mutual Funds
5.68% Other Institutional Investors
40.84% Public Companies and
Individual Investors