Simmons 1st Nat'l (SFNC) AI Stock Analysis

• Market Cap: $2.65B
• Dividend Yield: 4.68%
• Average Volume (3M): 981.20K
• Price to Earnings (P/E): 14.2
• Beta (1Y): 1.00
• Revenue Growth: -55.54%
• EPS Growth: -386.73%
• Country: US
• Employees: 2,949
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.46
• Shares Outstanding: 144,700,940
• 10 Day Avg. Volume: 1,110,791
• 30 Day Avg. Volume: 981,204
• PEG Ratio: -1.49
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 7.32
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 2.82
• Enterprise Value/Gross Profit: 5.67
• Enterprise Value/Ebitda: 14.00
• 1Y Price Target: $22.33
• Price Target Upside: 23.23% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 68 Neutral
• Price Target: $21.50 ▲(18.65% Upside)

Simmons 1st Nat'l's overall stock score is driven by strong financial performance and positive earnings call sentiment. The company's profitability and stable financial position are significant strengths, while the earnings call highlighted improvements in net interest margin and loan production. Technical analysis shows mixed signals, and valuation metrics suggest the stock is reasonably priced with an attractive dividend yield.

Simmons 1st Nat'l Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Simmons First National Corporation generates revenue primarily through interest income from loans and investment securities, as well as non-interest income from various banking services. The key revenue streams include interest earned on loans provided to customers, such as commercial loans, personal loans, and mortgages. Additionally, SFNC earns non-interest income through fees for services such as account maintenance, ATM transactions, wealth management, and mortgage origination. The company has established significant partnerships with other financial institutions and businesses, enhancing its service offerings and expanding its customer base. Factors contributing to its earnings include effective risk management, a diverse loan portfolio, and a strategic focus on growth in its target markets.

Simmons 1st Nat'l Financial Statement Overview

Summary

Simmons 1st Nat'l demonstrates strong profitability and a stable financial position despite recent revenue challenges. The company maintains healthy profit margins and a conservative leverage profile, which supports financial stability. Cash flow metrics reveal some areas for improvement in cash generation, but overall, the financial health of the company remains solid with a focus on maintaining profitability and managing leverage effectively.

Income Statement

Simmons 1st Nat'l has shown a decline in revenue growth with a negative rate of -25.71% in the TTM period, indicating challenges in maintaining sales momentum. However, the company maintains a solid gross profit margin of 49.86% and a net profit margin of 15.03%, reflecting efficient cost management. The EBIT and EBITDA margins are also healthy at 17.02% and 20.18% respectively, suggesting operational efficiency. Despite the revenue decline, profitability metrics remain strong, which is a positive indicator.

Balance Sheet

The company has a manageable debt-to-equity ratio of 0.29, indicating a conservative approach to leverage. Return on equity is modest at 4.53%, suggesting moderate profitability relative to shareholder equity. The equity ratio stands at 13.29%, indicating a stable capital structure with a significant portion of assets financed by equity. Overall, the balance sheet reflects financial stability with low leverage risk.

Cash Flow

Simmons 1st Nat'l experienced a slight decline in free cash flow growth at -1.79% in the TTM period, which could indicate cash generation challenges. However, the operating cash flow to net income ratio is low at 0.018, suggesting limited cash conversion efficiency. The free cash flow to net income ratio is strong at 0.89, indicating that a significant portion of earnings is converted into free cash flow. While cash flow generation shows some weaknesses, the conversion of earnings to cash remains robust.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.07B	1.45B	1.34B	1.02B	847.94M	980.92M
Gross Profit	531.47M	715.97M	750.42M	861.07M	799.62M	785.96M
EBITDA	215.06M	217.42M	248.48M	355.52M	379.68M	368.83M
Net Income	160.22M	152.69M	175.06M	256.41M	271.16M	254.90M
Balance Sheet
Total Assets	26.69B	26.88B	27.35B	27.46B	24.72B	22.36B
Cash, Cash Equivalents and Short-Term Investments	2.80B	2.08B	3.77B	4.54B	8.77B	6.95B
Total Debt	1.03B	1.15B	1.41B	1.39B	1.91B	2.02B
Total Liabilities	23.14B	23.35B	23.92B	24.19B	21.48B	19.38B
Stockholders Equity	3.55B	3.53B	3.43B	3.27B	3.25B	2.98B
Cash Flow
Free Cash Flow	348.95M	380.42M	507.89M	286.93M	229.92M	189.27M
Operating Cash Flow	392.71M	425.92M	540.98M	322.20M	277.78M	202.54M
Investing Cash Flow	533.57M	369.51M	-183.59M	-946.23M	-2.54B	1.19B
Financing Cash Flow	-856.15M	-722.15M	-425.42M	-344.50M	438.46M	1.08B

Simmons 1st Nat'l Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 18.12
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFNC, the sentiment is Negative. The current price of 18.12 is below the 20-day moving average (MA) of 19.04, below the 50-day MA of 19.73, and below the 200-day MA of 19.68, indicating a bearish trend. The MACD of -0.43 indicates Positive momentum. The RSI at 34.69 is Neutral, neither overbought nor oversold. The STOCH value of 36.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SFNC.

Simmons 1st Nat'l Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBU	75 Outperform	$2.96B	15.18	10.91%	3.29%	11.95%	14.53%
WSBC	73 Outperform	$3.02B	18.46	4.25%	4.73%	30.52%	-21.64%
SFNC	68 Neutral	$2.65B	14.20	-12.42%	4.68%	-55.54%	-386.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BKU	67 Neutral	$2.78B	10.64	8.98%	3.30%	-2.80%	51.85%
TOWN	64 Neutral	$2.74B	14.64	8.07%	3.10%	8.34%	14.44%
FBK	64 Neutral	$2.87B	24.37	5.85%	1.36%	10.80%	-6.22%

Simmons 1st Nat'l Corporate Events

Simmons 1st Nat’l Completes $325M Subordinated Notes Offering

On September 12, 2025, Simmons First National Corporation successfully completed its public offering of $325 million in subordinated notes, which are intended to qualify as Tier 2 capital for regulatory purposes. The proceeds, approximately $321.3 million after expenses, will be used to repay existing notes due in 2028 and for general corporate purposes, potentially impacting the company’s financial strategy and stakeholder interests.

The most recent analyst rating on (SFNC) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on Simmons 1st Nat’l stock, see the SFNC Stock Forecast page.

Simmons 1st Nat’l Announces $325M Notes Offering

On September 9, 2025, Simmons First National Corporation announced the pricing of a $325 million offering of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035. The proceeds from this offering, expected to be approximately $321.3 million, will be used to repay the company’s outstanding $330 million principal amount of 5.00% Fixed-to-Floating Rate Subordinated Notes due 2028 and for general corporate purposes. The offering is part of a strategic financial move to manage debt and optimize corporate finances.

The most recent analyst rating on (SFNC) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on Simmons 1st Nat’l stock, see the SFNC Stock Forecast page.

Simmons 1st Nat’l Enhances Officer Life Insurance Benefits

On August 1, 2025, Simmons Bank increased the life insurance benefits for certain officers under its Split-Dollar Life Insurance Plan. James ‘Jay’ Brogdon’s benefit was raised to $1,400,000, while George Makris III’s benefit was increased to $800,000, reflecting the company’s commitment to enhancing its employee benefits package.

The most recent analyst rating on (SFNC) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Simmons 1st Nat’l stock, see the SFNC Stock Forecast page.

Simmons 1st Nat’l Announces CEO Retirement

On July 30, 2025, Simmons First National Corporation announced the retirement of George A. Makris, Jr. as Chairman and CEO, effective December 31, 2025. James M. Brogdon will assume the roles of President and CEO on January 1, 2026, while Marty D. Casteel will become Chairman. Makris’ leadership saw significant growth and strategic transformation, and the company is confident in Brogdon’s ability to continue building value for stakeholders.

The most recent analyst rating on (SFNC) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Simmons 1st Nat’l stock, see the SFNC Stock Forecast page.

Simmons 1st Nat’l Sells Securities, Records Loss

On July 23, 2025, Simmons First National Corporation completed a significant financial maneuver by reclassifying its held-to-maturity investment securities to available for sale and subsequently selling approximately $3.2 billion worth of these securities to Morgan Stanley & Co., LLC for about $2.4 billion. This transaction resulted in an estimated after-tax loss of $604 million, which will be recorded in the third quarter of 2025. Additionally, the company conducted a public offering of 18,653,000 shares of its Class A common stock, raising approximately $326.9 million after expenses, with Morgan Stanley & Co., LLC serving as the underwriter.

The most recent analyst rating on (SFNC) stock is a Hold with a $22.50 price target. To see the full list of analyst forecasts on Simmons 1st Nat’l stock, see the SFNC Stock Forecast page.