Company Overview Simmons First National Corporation, an Arkansas corporation organized in 1968, is a financial holding company registered under the Bank Holding Company Act of 1956, as amended. The terms “Company,” “we,” “us,” and “our” refer to Simmons First National Corporation and, where appropriate, its subsidiaries. The Company is headquartered in Pine Bluff, Arkansas, and had total consolidated assets of $24.54 billion, total consolidated loans of $17.49 billion, total consolidated deposits of $20.18 billion and equity capital of $3.42 billion, each as of December 31, 2025. The Company, through its subsidiaries, provides banking and other financial products and services in markets located in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 628M | 628M | 1.5B | 1.4B | 1.0B | 863M |
| Net Income | -398M | -398M | 153M | 175M | 256M | 271M |
| EPS | $-2.95 | $-2.95 | $1.21 | $1.38 | $2.06 | $2.46 |
| Free Cash Flow | 411M | 411M | 380M | 508M | 287M | 230M |
| ROIC | 0.8% | -10.4% | 4.0% | 4.7% | 5.9% | 5.6% |
| Gross Margin | 13.7% | 13.7% | 55.7% | 55.9% | 84.6% | 87.2% |
| Debt/Equity | 0.10 | 0.10 | 0.11 | 0.11 | 0.12 | 0.53 |
| Dividends/Share | $0.85 | $0.85 | $0.84 | $0.80 | $0.76 | $0.72 |
| Operating Income | 31M | 31M | 27M | 35M | 27M | 35M |
| Operating Margin | 5.0% | 5.0% | 1.9% | 2.6% | 2.7% | 4.1% |
| ROE | -11.6% | -11.4% | 4.4% | 5.2% | 7.9% | 8.7% |
| Shares Outstanding | 135M | 135M | 126M | 127M | 124M | 110M |
SIMMONS FIRST NATIONAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
On a free-cash-flow basis, the stock trades at 7.3x vs a median of 9.6x. The company's 5-year average ROIC is 2.0% with a gross margin of 59.4%. Total shareholder yield (dividends) is 4.1%. At current prices, the estimated annualized return to fair value is +8.6%.
SIMMONS FIRST NATIONAL CORP (SFNC) has a 5-year average return on invested capital (ROIC) of 2.0%. This is below average and may indicate limited pricing power.
SIMMONS FIRST NATIONAL CORP (SFNC) has a market capitalization of $2.8B. It is classified as a mid-cap stock.
Yes, SIMMONS FIRST NATIONAL CORP (SFNC) pays a dividend with a trailing twelve-month yield of 4.14%.
SIMMONS FIRST NATIONAL CORP (SFNC) operates in the National Commercial Banks industry, within the Financials sector.
SIMMONS FIRST NATIONAL CORP (SFNC) reported annual revenue of $628 million in its most recent fiscal year, based on SEC EDGAR filings.
SIMMONS FIRST NATIONAL CORP (SFNC) has a net profit margin of -63.3%. The company is currently unprofitable.
SIMMONS FIRST NATIONAL CORP (SFNC) generated $411 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SIMMONS FIRST NATIONAL CORP (SFNC) has a debt-to-equity ratio of 0.10. This indicates a conservatively financed balance sheet.
SIMMONS FIRST NATIONAL CORP (SFNC) reported earnings per share (EPS) of $-2.95 in its most recent fiscal year.
SIMMONS FIRST NATIONAL CORP (SFNC) has a return on equity (ROE) of -11.4%. A negative ROE may indicate losses or negative equity.
SIMMONS FIRST NATIONAL CORP (SFNC) has a 5-year average gross margin of 59.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for SIMMONS FIRST NATIONAL CORP (SFNC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SIMMONS FIRST NATIONAL CORP (SFNC) has a book value per share of $25.37, based on its most recent annual SEC filing.
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