Want to see SFNC full AI Analyst Report?
Top Page
Simmons 1st Nat'l
(NASDAQ:SFNC)
Select Model
Select Model
Rating:66Neutral
Price Target:
$26.00
â–²(12.17% Upside)
Action:Reiterated
Date:08/06/26
Overall score reflects a push-pull setup: strong cash generation and a constructive earnings-call outlook (improving NII/operating leverage, solid capital and buyback capacity) support the rating, and technicals show an upward trend. Offsetting these positives, the income statement deterioration and ongoing loss profile (negative P/E) remain the central risk until profitability stabilizes.
Positive Factors
Strong Cash Generation
Sizable operating and free cash flow despite recent net losses indicate the bank generates durable internal liquidity. This supports funding of operations, investment and buybacks without relying solely on earnings, cushioning capital needs during credit cycles and enabling strategic flexibility over months.
Negative Factors
Profitability Deterioration
A sharp swing to deep net losses and negative margins undermines internal capital generation and obscures earnings quality. Persistent unprofitability risks constraining credit capacity, dividend/buyback sustainability and investor confidence until normalized revenue mix or expense recovery is achieved.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Sizable operating and free cash flow despite recent net losses indicate the bank generates durable internal liquidity. This supports funding of operations, investment and buybacks without relying solely on earnings, cushioning capital needs during credit cycles and enabling strategic flexibility over months.
Read all positive factors
Simmons 1st Nat'l (SFNC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.42B
Dividend Yield3.62%
Average Volume (3M)1.16M
Price to Earnings (P/E)―
Beta (1Y)0.89
Revenue Growth-56.95%
EPS Growth-299.45%
CountryUS
Employees2,909
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-3.00
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$24.40Price Target Upside5.26% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)2.05
Revenue Forecast (FY)$1.01B
Simmons 1st Nat'l Business Overview & Revenue Model
Company Description
Simmons First National Corporation serves as the parent organization for Simmons Bank, delivering a broad spectrum of banking and financial solutions to both individual and business clients. Its offerings include various deposit accounts such as c...
How the Company Makes Money
SFNC primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on loans and investment securities (e.g., commercial ...
Simmons 1st Nat'l Earnings Call Summary
Earnings Call Date:Jul 16, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 27, 2026
Earnings Call Sentiment Positive
Overall the call conveyed a constructive and improving operating picture: management highlighted tangible wins in deposit mix (notably non-interest-bearing and checking growth), strong loan production and a healthy pipeline, self-funding of investments through continued efficiency gains, and the expectation to beat expense and PPNR guidance. Headwinds were acknowledged — notably fierce deposit competition, potential upward pressure on deposit costs (especially if rates rise), a concentrated NPL migration including one construction loan with an 11% specific reserve, and competitive loan pricing — but management emphasized disciplined underwriting and confidence in credit metrics and capital. On balance, the positive execution items and reaffirmed guidance outweighed the risks discussed.Positive Updates
Growth in High-Quality Deposits
Non-interest-bearing deposits grew 4% annualized in Q2; checking accounts increased over 1% year-over-year and quarter-over-quarter, and average interest-bearing money market/savings balances grew despite a lower period-end balance.
Negative Updates
Intense Deposit Competition and Cost Pressure
Management described deposit competition as 'very, very fierce.' Deposit cost exited the quarter around 190 basis points (quarter average 193 bps) with only one more quarter of potential benefit expected; modeled beta for deposit-cost sensitivity is ~45%, and a Fed rate increase would push costs higher.
Read all updates
Q2-2026 Updates
Positive
Negative
Growth in High-Quality Deposits
Non-interest-bearing deposits grew 4% annualized in Q2; checking accounts increased over 1% year-over-year and quarter-over-quarter, and average interest-bearing money market/savings balances grew despite a lower period-end balance.
Read all positive updates
Company Guidance
Management reiterated and updated 2026 targets: net interest income growth of 9%–11% YoY (comfortable at the top end mid‑year), loan growth of low‑to‑mid single digits (7% annualized YTD), and net charge‑offs around 25 bps annually; they expect to beat prior 2%–3% non‑interest expense growth guidance, driving >5% operating leverage and stronger PPNR. Deposit trends were highlighted (non‑interest‑bearing +4% annualized, checking +1% YoY/QoQ), deposit cost exited ≈190 bps (Q2 avg 193 bps) with a modeled beta ≈45% and an expected ~190–195 bps range if rates hold (one more quarter of benefit if no hike). Loan yields were essentially flat (‑1 bp Q/Q), with $1.8B of fixed‑rate loans repricing in 12 months at an average <4% providing a back‑book tailwind; capital remains ample (CET1 excess north of 10.5%, $161M buyback remaining) while efficiency moves continue (square footage ‑2.5% this quarter, ‑8.5% total, 15% target); a notable four‑family construction NPL carries an ~11% specific reserve.Simmons 1st Nat'l Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
58
Neutral
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 570.26M | 626.80M | 1.45B | 1.34B | 1.02B | 847.94M |
| Gross Profit | 77.05M | 36.36M | 715.97M | 750.42M | 861.07M | 799.62M |
| EBITDA | -416.93M | -474.97M | 217.42M | 248.48M | 355.52M | 379.68M |
| Net Income | -349.48M | -397.55M | 152.69M | 175.06M | 256.41M | 271.16M |
Balance Sheet | ||||||
| Total Assets | 24.78B | 24.54B | 26.88B | 27.35B | 27.46B | 24.72B |
| Cash, Cash Equivalents and Short-Term Investments | 3.45B | 3.65B | 2.08B | 3.77B | 4.54B | 8.77B |
| Total Debt | 1.30B | 641.35M | 1.15B | 1.41B | 1.39B | 1.91B |
| Total Liabilities | 21.29B | 21.12B | 23.35B | 23.92B | 24.19B | 21.48B |
| Stockholders Equity | 3.48B | 3.42B | 3.53B | 3.43B | 3.27B | 3.25B |
Cash Flow | ||||||
| Free Cash Flow | 515.00M | 423.05M | 380.42M | 507.89M | 286.93M | 229.92M |
| Operating Cash Flow | 563.22M | 461.19M | 425.92M | 540.98M | 322.20M | 277.78M |
| Investing Cash Flow | 734.37M | 1.56B | 369.51M | -183.59M | -946.23M | -2.54B |
| Financing Cash Flow | -1.52B | -2.00B | -722.15M | -425.42M | -344.50M | 438.46M |
Simmons 1st Nat'l Technical Analysis
Positive
23.18
Price Trends
22.48
Positive
21.35
Positive
20.07
Positive
Market Momentum
0.40
Negative
66.97
Neutral
88.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFNC, the sentiment is Positive. The current price of 23.18 is below the 20-day moving average (MA) of 23.23, above the 50-day MA of 22.48, and above the 200-day MA of 20.07, indicating a bullish trend. The MACD of 0.40 indicates Negative momentum. The RSI at 66.97 is Neutral, neither overbought nor oversold. The STOCH value of 88.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFNC.
Simmons 1st Nat'l Risk Analysis
Simmons 1st Nat'l disclosed 49 risk factors in its most recent earnings report. Simmons 1st Nat'l reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Simmons 1st Nat'l Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $3.41B | 15.04 | 11.34% | 2.80% | 6.69% | 17.23% | |
77 Outperform | $3.97B | 11.79 | 8.72% | 3.66% | 31.11% | 107.51% | |
74 Outperform | $3.11B | 16.06 | 10.03% | 1.35% | 43.33% | 94.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $3.42B | -7.86 | -10.21% | 3.69% | -56.95% | -299.45% | |
64 Neutral | $3.49B | 10.59 | 11.59% | 4.88% | 35.08% | 54.57% | |
60 Neutral | $3.39B | 12.92 | 9.04% | 2.75% | -5.21% | 6.73% |
* Financial Sector Average
SFNC
Simmons 1st Nat'l
23.55
5.62
31.31%
BKU
BankUnited
46.63
12.00
34.64%
CBU
Community Bank System
65.32
13.41
25.83%
TOWN
TowneBank
37.73
4.55
13.70%
WSBC
WesBanco
41.73
13.58
48.24%
FBK
FB Financial
60.82
14.47
31.21%
Simmons 1st Nat'l Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
Simmons First National Reports Solid Second Quarter Results
Positive
Jul 17, 2026
On July 16, 2026, Simmons First National Corporation reported second quarter 2026 results showing net income of $66.7 million, down modestly from the prior quarter but above the year-earlier period, with diluted EPS of $0.46 and adjusted diluted E...
Business Operations and StrategyShareholder Meetings
Simmons First Shareholders Approve Expanded Long-Term Incentive Plan
Positive
May 13, 2026
At its May 13, 2026 annual meeting in Little Rock, Simmons First National Corporation shareholders approved an amended and restated 2023 Stock and Incentive Plan, expanding the share pool available for equity awards to 7,350,000 shares and extendi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.