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

• Market Cap: $2.81B
• Dividend Yield: 4.41%
• Average Volume (3M): 1.05M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.77
• Revenue Growth: -55.53%
• EPS Growth: -387.04%
• Country: US
• Employees: 2,949
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.46
• Shares Outstanding: 144,717,600
• 10 Day Avg. Volume: 1,288,972
• 30 Day Avg. Volume: 1,049,687
• 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: 1.09
• Enterprise Value/Revenue: 4.90
• Enterprise Value/Gross Profit: -220.50
• Enterprise Value/Ebitda: -5.83
• 1Y Price Target: $20.76
• Price Target Upside: 7.73% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $20.00 ▲(3.79% Upside)

Simmons 1st Nat'l's overall stock score reflects a mix of strong financial stability and profitability, offset by recent strategic losses and valuation concerns. The company's positive technical indicators suggest potential short-term gains, but caution is advised due to the recent net loss and negative P/E ratio. The attractive dividend yield provides some investor appeal.

Positive Factors

Balance Sheet Stability

A conservative leverage profile with a low debt-to-equity ratio indicates financial stability and reduces risk, supporting long-term sustainability.

Profitability Metrics

Strong profit margins reflect efficient cost management and operational efficiency, which are crucial for sustaining profitability over time.

Strategic Repositioning

The strategic repositioning, despite short-term losses, aims to improve long-term profitability and growth, indicating proactive management.

Negative Factors

Revenue Growth Challenges

A significant decline in revenue growth poses challenges in maintaining sales momentum, potentially impacting long-term growth prospects.

Cash Generation Efficiency

Limited cash conversion efficiency can strain liquidity and hinder the ability to reinvest in growth opportunities, affecting long-term financial health.

Net Loss from Strategic Repositioning

The significant net loss from strategic repositioning highlights financial risks and challenges in executing large-scale financial strategies.

Simmons 1st Nat'l Business Overview & Revenue Model

Company Description

Simmons 1st National Corporation (SFNC) is a financial institution headquartered in the United States, primarily engaged in providing a wide range of banking and financial services. The company operates through its subsidiary, Simmons Bank, offering products such as personal and commercial banking, mortgage lending, wealth management, and investment services. SFNC serves a diverse clientele, including individuals, businesses, and institutions across various sectors, with a strong focus on community banking.

How the Company Makes Money

Simmons 1st National Corporation generates revenue through several key streams, primarily from net interest income, which is derived from the difference between the interest earned on loans and the interest paid on deposits. The bank lends money to consumers and businesses at higher rates than what it pays to depositors, creating a profit margin. Additionally, SFNC earns non-interest income from various fees associated with its banking services, including account maintenance fees, transaction fees, and service charges. The bank also generates revenue from its mortgage lending operations, investment management services, and wealth management solutions. Significant partnerships with local businesses and community organizations further enhance its service offerings and customer base, contributing to its overall financial performance.

Simmons 1st Nat'l Financial Statement Overview

Summary

Simmons 1st Nat'l demonstrates strong profitability with healthy profit margins and a conservative leverage profile, despite recent revenue challenges. The company maintains a solid gross profit margin of 49.86% and a net profit margin of 15.03%. The balance sheet reflects financial stability with a low debt-to-equity ratio of 0.29. However, cash flow metrics reveal some areas for improvement in cash generation.

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	625.57M	1.45B	1.34B	1.02B	847.94M	980.92M
Gross Profit	-13.89M	715.97M	750.42M	861.07M	799.62M	785.96M
EBITDA	-525.42M	217.42M	248.48M	355.52M	379.68M	368.83M
Net Income	-427.31M	152.69M	175.06M	256.41M	271.16M	254.90M
Balance Sheet
Total Assets	24.21B	26.88B	27.35B	27.46B	24.72B	22.36B
Cash, Cash Equivalents and Short-Term Investments	2.90B	2.08B	3.77B	4.54B	8.77B	6.95B
Total Debt	690.16M	1.15B	1.41B	1.39B	1.91B	2.02B
Total Liabilities	20.85B	23.35B	23.92B	24.19B	21.48B	19.38B
Stockholders Equity	3.35B	3.53B	3.43B	3.27B	3.25B	2.98B
Cash Flow
Free Cash Flow	161.24M	380.42M	507.89M	286.93M	229.92M	189.27M
Operating Cash Flow	193.30M	425.92M	540.98M	322.20M	277.78M	202.54M
Investing Cash Flow	470.59M	369.51M	-183.59M	-946.23M	-2.54B	1.19B
Financing Cash Flow	-622.84M	-722.15M	-425.42M	-344.50M	438.46M	1.08B

Simmons 1st Nat'l Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 19.27 is above the 20-day moving average (MA) of 18.89, above the 50-day MA of 18.18, and above the 200-day MA of 18.81, indicating a bullish trend. The MACD of 0.39 indicates Negative momentum. The RSI at 63.90 is Neutral, neither overbought nor oversold. The STOCH value of 54.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFNC.

Simmons 1st Nat'l Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WSBC	78 Outperform	$3.32B	17.38	5.25%	4.31%	41.49%	-5.53%
CBU	78 Outperform	$3.12B	15.31	11.01%	3.14%	9.41%	20.64%
BKU	74 Outperform	$3.42B	12.74	9.04%	2.68%	-5.44%	45.47%
FBK	71 Outperform	$3.05B	26.46	5.85%	1.33%	10.50%	-6.22%
TOWN	70 Outperform	$2.81B	15.25	7.37%	3.04%	9.48%	12.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFNC	61 Neutral	$2.81B	-6.55	-12.42%	4.41%	-55.53%	-387.04%

Simmons 1st Nat'l Corporate Events

Simmons 1st Nat’l Approves Vesting for Retiring Executive

On December 4, 2025, Simmons First National Corporation’s board of directors decided to allow the unvested performance share units granted to George Makris, Jr. in 2024 to vest post-retirement. This decision ensures that the units will vest as if he had remained employed for the entire performance period, without any proration or acceleration of payment.

Simmons 1st Nat’l Reports Q3 2025 Net Loss

On October 16, 2025, Simmons First National Corporation reported a net loss of $562.8 million for the third quarter of 2025, following a strategic repositioning of its balance sheet. The company raised $327 million in equity capital to address a negative arbitrage between long-term bond yields and shorter-term funding costs, resulting in a significant one-time loss from the sale of $2.4 billion in low-yielding investment securities. Despite the loss, the repositioning is expected to enhance future profitability and organic growth, with adjusted earnings showing improvement compared to previous quarters.

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.