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
$3.12B
Enterprise Value$3.54B
Total Cash (Recent Filing)$3.49B
Total Debt (Recent Filing)$771.16M
Price to Earnings (P/E)―
Beta0.86
Next Earnings
Jul 28, 2026EPS Estimate
0.52Next Dividend Ex-DateN/A
Dividend Yield4.41%
Share Statistics
EPS (TTM)-3.03
Shares Outstanding145,064,210
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 Cap1.14
Enterprise Value/Revenue6.22
Enterprise Value/Gross Profit78.75
Enterprise Value/Ebitda-8.11
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
Strong Cash GenerationSustained positive operating and free cash flow (TTM $459M operating, $425M free) provides durable internal funding for loan growth, dividend continuity and strategic investments. Strong cash conversion cushions earnings volatility and reduces near-term reliance on external funding.
Manageable Leverage And Capital CushionA low debt-to-equity ratio (~0.22) and relatively stable equity (~$3.4B) indicate conservative balance-sheet leverage for a regional bank. This capital buffer supports organic growth, absorbs localized credit stress, and aligns with management's CET1 target, enabling measured capital allocation.
Durable Loan Growth And Improving NII/NIM GuidanceConsistent, diversified organic loan growth (10% annualized this quarter, 7–10% run-rates) plus management guidance for double-digit NII growth and mid-3.8% NIM suggests structural margin tailwinds. Together these support sustainable revenue expansion and operating leverage over the medium term.
Bears Say
Sharp Income Deterioration And Negative ProfitabilityThe TTM income-statement decline and deeply negative net margin (-63.5%) represent a meaningful earnings reset. Negative returns erode capital-generation ability, make dividend and buyback sustainability more sensitive to shocks, and lengthen the recovery timeline for ROE normalization.
Credit Migration / Nonaccrual AdditionsA $30M rise in nonaccruals, with $18M from a single relationship, highlights idiosyncratic asset-quality risk and volatility in provisioning. Concentrated problem credits can force higher reserves, compress earnings and limit capital deployment until credit metrics stabilize.
Elevated Paydowns And Deposit CompetitionPersistent paydowns and intense deposit competition pressure loan balances and funding costs. If core deposit growth lags, the bank may face constrained loan growth or margin compression as it either pays up for funding or concedes yield, challenging sustained NIM improvement.
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 $3.12B.
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 58 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 145,064,210 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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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 216.3K Shares
Last Quarter.
Last Quarter.
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
1.27% Insiders
22.27% Mutual Funds
12.77% Other Institutional Investors
34.10% Public Companies and
Individual Investors