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Simmons First National Corporation logo

Simmons First National Corporation

SFNC

NASDAQFinancial ServicesBanks - Regional

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Previous close

$23.01

+$0.03 · +0.13%

Aug 21, 4:00 PM ET

SFNC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

47

Fair Value

Momentum

55

Neutral

Sentiment

65

Bullish

Risk resilience

78

Moderate Risk

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Company profile

Company website

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 checking, savings, and time deposits. The bank also provides a diverse array of lending options, including consumer, real estate, and commercial loans, alongside specialized financing for agriculture, equipment, and small businesses via SBA initiatives. Beyond core banking, it furnishes trust and fiduciary services, credit cards, investment management, insurance products, and securities and investment services. Customers can also access modern conveniences like ATM services, online and mobile banking platforms, overdraft facilities, and safe deposit boxes. Established in 1903 and headquartered in Pine Bluff, Arkansas, the company operated a network of 199 branches across Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas as of January 27, 2022.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James Brogdon
Listed since
Mar 14, 1985
Employees
2,917

Market position

Day range

Current $23.01

52-week range

Current $23.01

Open
$23.19
Previous close
$22.98
Volume
793.35K
0.59× average
Average volume
1.35M
Average daily volume
Market cap
3.34B USD
Beta
0.92
Market reference 1
50-day average
$23.042
-0.14% below average
200-day average
$20.7239
+11.03% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.8B USD
P/E (TTM)
-7.67×
P/B (TTM)
0.96×
P/S (TTM)
5.85×
EV / EBITDA
-5.9×
Earnings yield
-15.65%
Free cash flow yield
16.66%
Dividend yield
3.72%

Profitability & efficiency

Gross margin
13.51%
Operating margin
-85.86%
Net margin
-61.28%
Return on equity
-11.63%
Return on assets
-1.62%
Return on invested capital
-28.66%

Financial health

Debt / equity
0.37×
Current ratio
0.86×
Altman Z-score
0.27
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends112%41%-31%-102%Gross margin, FY2021: 94.30%Gross margin, FY2022: 84.45%Gross margin, FY2023: 55.94%Gross margin, FY2024: 49.50%Gross margin, FY2025: 5.80%Operating margin, FY2021: 39.21%Operating margin, FY2022: 30.07%Operating margin, FY2023: 14.95%Operating margin, FY2024: 11.84%Operating margin, FY2025: -84.18%Net margin, FY2021: 31.98%Net margin, FY2022: 25.15%Net margin, FY2023: 13.05%Net margin, FY2024: 10.56%Net margin, FY2025: -63.43%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.30%. Gross margin FY2022 84.45%. Gross margin FY2023 55.94%. Gross margin FY2024 49.50%. Gross margin FY2025 5.80%. Operating margin FY2021 39.21%. Operating margin FY2022 30.07%. Operating margin FY2023 14.95%. Operating margin FY2024 11.84%. Operating margin FY2025 -84.18%. Net margin FY2021 31.98%. Net margin FY2022 25.15%. Net margin FY2023 13.05%. Net margin FY2024 10.56%. Net margin FY2025 -63.43%.

Income trends

Revenue

626.8M USD-56.66%

Operating income

−527.65M USD−698.96M USD

Net income

−397.55M USD−550.25M USD
Income trends across reported periods1.64B USD854.15M USD64.55M USD−725.05M USDRevenue, FY2021: 847.94M USDRevenue, FY2022: 1.02B USDRevenue, FY2023: 1.34B USDRevenue, FY2024: 1.45B USDRevenue, FY2025: 626.8M USDOperating income, FY2021: 332.46M USDOperating income, FY2022: 306.56M USDOperating income, FY2023: 200.6M USDOperating income, FY2024: 171.31M USDOperating income, FY2025: −527.65M USDNet income, FY2021: 271.16M USDNet income, FY2022: 256.41M USDNet income, FY2023: 175.06M USDNet income, FY2024: 152.69M USDNet income, FY2025: −397.55M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 847.94M USD. Revenue FY2022 1.02B USD. Revenue FY2023 1.34B USD. Revenue FY2024 1.45B USD. Revenue FY2025 626.8M USD. Operating income FY2021 332.46M USD. Operating income FY2022 306.56M USD. Operating income FY2023 200.6M USD. Operating income FY2024 171.31M USD. Operating income FY2025 −527.65M USD. Net income FY2021 271.16M USD. Net income FY2022 256.41M USD. Net income FY2023 175.06M USD. Net income FY2024 152.69M USD. Net income FY2025 −397.55M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue626.8M USD1.45B USD1.34B USD1.02B USD847.94M USD
Cost of goods sold590.44M USD730.39M USD591.16M USD158.49M USD48.32M USD
Gross profit36.36M USD715.97M USD750.42M USD861.07M USD799.62M USD
Selling, general, and administrative367.61M USD335.43M USD340.11M USD327.46M USD275.54M USD
Operating expenses564.02M USD544.66M USD549.82M USD554.51M USD467.16M USD
Interest income1.24B USD1.31B USD1.21B USD861.74M USD671.06M USD
Interest expense524.61M USD683.6M USD560.04M USD144.42M USD79.53M USD
Depreciation and amortization52.69M USD46.12M USD47.88M USD48.96M USD47.22M USD
Operating income−527.65M USD171.31M USD200.6M USD306.56M USD332.46M USD
Net income−397.55M USD152.69M USD175.06M USD256.41M USD271.16M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 3 misses, 2 met estimates
Average EPS surprise
+2.40%
11 comparable reports
Latest EPS result
0.5
Estimate 0.52 · Miss by 4.40%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.580.460.340.22Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MetQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 0.383, estimate 0.352, surprise +8.75%, Beat. Q2 2025, reported Apr 16, 2025: actual 0.26, estimate 0.36, surprise -27.78%, Miss. Q3 2025, reported Jul 17, 2025: actual 0.44, estimate 0.4, surprise +10.00%, Beat. Q4 2025, reported Oct 16, 2025: actual 0.46, estimate 0.47, surprise -2.13%, Miss. Q1 2026, reported Jan 20, 2026: actual 0.54, estimate 0.49, surprise +10.20%, Beat. Q2 2026, reported Apr 16, 2026: actual 0.47, estimate 0.47, surprise 0.00%, Met estimate. Q3 2026, reported Jul 16, 2026: actual 0.5, estimate 0.523, surprise -4.40%, Miss. Q4 2026, reported Oct 15, 2026: actual —, estimate 0.53, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates309.36M38.93M-231.5M-501.93MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 205.36M USD, estimate 208.69M USD, surprise -1.60%, Miss. Q2 2025, reported Apr 16, 2025: actual 206.55M USD, estimate 217.15M USD, surprise -4.88%, Miss. Q3 2025, reported Jul 17, 2025: actual 357.38K USD, estimate 217.14M USD, surprise -99.84%, Miss. Q4 2025, reported Oct 16, 2025: actual -445.98M USD, estimate 233.5M USD, surprise -291.00%, Miss. Q1 2026, reported Jan 20, 2026: actual 249M USD, estimate 238.66M USD, surprise +4.34%, Beat. Q2 2026, reported Apr 16, 2026: actual 241.37M USD, estimate 243.08M USD, surprise -0.71%, Miss. Q3 2026, reported Jul 16, 2026: actual 248.57M USD, estimate 250.98M USD, surprise -0.96%, Miss. Q4 2026, reported Oct 15, 2026: actual —, estimate 253.41M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

7 institutions
Raymond JamesupgradeMarket PerformOutperform
Piper SandlermaintainUnderweight

Corporate actions

Corporate action history

Stock split

Effective Feb 9, 2018

2:1

Stock split

Effective May 2, 2003

2:1

Stock split

Effective Dec 9, 1996

3:2

Stock split

Effective Jun 8, 1992

2:1

Stock split

Effective May 2, 1985

2:1

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ETFs holding SFNC

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
211.29M
Weight
0.19%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
109.43M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
84.27M
Weight
0.10%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
78.63M
Weight
0.04%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
49.96M
Weight
0.07%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
39.37M
Weight
0.04%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
33.96M
Weight
0.84%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
31.42M
Weight
0.22%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%

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