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

• Market Cap: $2.89B
• Dividend Yield: 4.23%
• Average Volume (3M): 1.72M
• Price to Earnings (P/E): 15.7
• Beta (1Y): 1.06
• Revenue Growth: -0.30%
• EPS Growth: 6.05%
• Country: US
• Employees: 2,949
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 144,700,940
• 10 Day Avg. Volume: 905,790
• 30 Day Avg. Volume: 1,715,077
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 2.16
• Enterprise Value/Gross Profit: 4.33
• Enterprise Value/Ebitda: 14.75
• 1Y Price Target: $22.25
• Price Target Upside: 11.14% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 71 Outperform
• Price Target: $22.00 ▲(9.89% Upside)

Simmons 1st Nat'l's overall stock score is driven by its strong financial stability and attractive valuation. The positive outlook from the earnings call further supports the score, despite technical indicators suggesting limited momentum. The company's focus on strategic growth initiatives and talent acquisition adds to its potential for future performance.

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 financial stability with strong margins and solid cash flow metrics. However, the decline in revenue growth and profitability margins, along with a slight reduction in ROE, highlight areas of concern. The balance sheet remains stable with modest leverage, but the company should focus on improving revenue growth and profitability to enhance overall financial performance.

Income Statement

Simmons 1st Nat'l has shown a mixed performance in its income statement. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 91.26%. However, the net profit margin has declined to 19.63% in TTM, down from 20.02% in the previous year, indicating a slight reduction in profitability. Revenue has shown a negative growth rate of -2.35% in TTM, suggesting challenges in maintaining revenue levels. The EBIT margin has also decreased to 39.92% from 45.57% in 2024. Overall, while margins are strong, the declining revenue and profitability trends present concerns.

Balance Sheet

The balance sheet of Simmons 1st Nat'l indicates solid stability with a debt-to-equity ratio of 0.37 in TTM, reflecting conservative leverage. The return on equity (ROE) has decreased to 4.14% in TTM from 4.33% in 2024, suggesting reduced efficiency in generating returns. The equity ratio is stable at 13.18%, indicating a healthy proportion of equity financing. Overall, the balance sheet reflects financial stability, but the decline in ROE suggests potential areas for improvement in profitability.

Cash Flow

The cash flow statement portrays a strong position with a free cash flow of $355.31 million in TTM and a free cash flow growth rate of -6.60%. The operating cash flow to net income ratio is robust at 2.74 in TTM, indicating strong cash generation from operations. The free cash flow to net income ratio is 2.43, highlighting efficient conversion of earnings into cash. Despite a decline in free cash flow growth, the company maintains solid cash flow metrics overall.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.43B	1.45B	1.34B	1.02B	847.94M	980.92M
Gross Profit	714.16M	715.97M	750.42M	861.07M	799.62M	785.96M
EBITDA	209.85M	217.42M	248.48M	355.52M	379.68M	368.83M
Net Income	146.21M	152.69M	175.06M	256.41M	271.16M	254.90M
Balance Sheet
Total Assets	26.79B	26.88B	27.35B	27.46B	24.72B	22.36B
Cash, Cash Equivalents and Short-Term Investments	3.13B	2.08B	3.77B	4.54B	8.77B	6.95B
Total Debt	1.30B	1.15B	1.41B	1.39B	1.91B	2.02B
Total Liabilities	23.26B	23.35B	23.92B	24.19B	21.48B	19.38B
Stockholders Equity	3.53B	3.53B	3.43B	3.27B	3.25B	2.98B
Cash Flow
Free Cash Flow	355.31M	380.42M	507.89M	286.93M	229.92M	189.27M
Operating Cash Flow	401.13M	425.92M	540.98M	322.20M	277.78M	202.54M
Investing Cash Flow	400.20M	369.51M	-183.59M	-946.23M	-2.54B	1.19B
Financing Cash Flow	-770.35M	-722.15M	-425.42M	-344.50M	438.46M	1.08B

Simmons 1st Nat'l Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.02
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 20.02 is above the 20-day moving average (MA) of 19.50, above the 50-day MA of 19.37, and below the 200-day MA of 20.60, indicating a neutral trend. The MACD of 0.11 indicates Negative momentum. The RSI at 58.14 is Neutral, neither overbought nor oversold. The STOCH value of 85.05 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFBC	78 Outperform	$2.36B	9.88	9.77%	3.82%	4.62%	2.69%
PRK	76 Outperform	$2.68B	16.21	13.49%	2.86%	10.28%	22.73%
CVBF	74 Outperform	$2.66B	13.22	9.30%	4.14%	-5.14%	-0.70%
BKU	71 Outperform	$2.80B	10.92	8.98%	3.23%	-2.80%	51.85%
SFNC	71 Outperform	$2.89B	15.72	4.57%	4.23%	-0.30%	6.05%
TOWN	70 Outperform	$2.77B	16.00	8.07%	2.88%	8.34%	14.44%
Sector *	68 Neutral	$17.52B	11.72	10.45%	3.85%	9.75%	2.39%

Simmons 1st Nat'l Corporate Events

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.

Simmons 1st Nat’l Announces Major Stock Offering

On July 21, 2025, Simmons First National Corporation entered into an underwriting agreement to issue and sell 18,653,000 shares of its Class A common stock, with the offering closing on July 23, 2025. The company expects to generate approximately $326.9 million in net proceeds, which it plans to use for general corporate purposes, including potential investments in Simmons Bank to support balance sheet repositioning and growth.

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.

Simmons 1st Nat’l Announces $300M Stock Offering

On July 21, 2025, Simmons First National Corporation announced the pricing of its public offering of 16,220,000 shares of Class A common stock at $18.50 per share, totaling approximately $300 million. The offering, expected to close on July 23, 2025, aims to support general corporate purposes, including potential balance sheet repositioning and growth, reflecting Simmons’ strategic focus on enhancing its financial position and market operations.

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.

Simmons 1st Nat’l Reports Strong Q2 2025 Results

On July 17, 2025, Simmons First National Corporation reported its second quarter 2025 financial results, highlighting strong revenue growth and improved profitability measures. The company achieved a net interest margin above 3 percent for the fifth consecutive quarter, with increased loan yields and decreased deposit costs. Despite muted overall balance sheet growth, Simmons saw a significant increase in low-cost customer deposits and maintained stable asset quality metrics. The company remains focused on organic growth amid ongoing tariff volatility affecting future interest rates and economic conditions.

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.