Simmons First National Corporation (SFNC) AI Stock Analysis

Simmons First National Corporation serves as the parent company of Simmons Bank, offering a comprehensive range of financial services to individual and business clients. Established in 1903 and headquartered in Pine Bluff, Arkansas, it provides checking, savings, and time deposits alongside consumer loans, real estate financing, and commercial loans. The company also delivers specialized services including agricultural finance, equipment loans, and Small Business Administration (SBA) lending. Its wealth management division provides trust, fiduciary, investment management, insurance, and securities services. As of January 2022, Simmons First operates through 199 financial centers across Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas.

Revenue rose from $847.9M in FY2021 to $1.45B in FY2024 before dropping 56.7% to $626.8M in FY2025. Over the five-year period from FY2020 to FY2025, revenue posted a compound annual growth rate of -8.6%. Operating margin declined from 39.2% in FY2021 to -84.2% in FY2025, resulting in a FY2025 net loss of $397.6M. However, performance recovered over the trailing twelve months, generating $930.8M in revenue, an operating margin of 25.8%, and a profit margin of 28.0%. For the latest quarter ending September 30, 2026, quarterly revenue grew 14.3% year-over-year while quarterly earnings expanded 7.0%.

As of September 30, 2026, Simmons First held $3.51B in cash and short-term investments against $1.77B in total debt, creating a net cash balance of $1.74B. Shareholders' equity was $3.35B within $24.07B of total assets. The bank reported a debt-to-equity ratio of 0.53 and a current ratio of 0.19. During FY2025, operating cash flow stood at $461.2M and free cash flow reached $423.0M. Capital deployment in FY2025 included $38.1M for capital expenditures and $115.0M paid out in dividends, while share count grew 26.4% over five years.

Simmons First trades at a forward P/E of 9.5x, below the 10.8x median of its US-listed Financial Services peers. Its price-to-sales ratio of 3.4x sits slightly above the peer median of 3.2x, while price-to-book stands at 1.0x. Over the past year, SFNC delivered a return of 27.6%, outperforming the S&P 500 (SPY) gain of 16.8%. Over a five-year horizon, the stock fell 11.5%, trailing the S&P 500 return of 83.0%. The shares trade 4.1% above their 200-day moving average.

Simmons First has paid dividends for 42 consecutive years. The forward annual dividend is $0.86 per share, providing a 3.90% dividend yield with a payout ratio of 34.2%. Over the past five years, the dividend grew at an annualized rate of 4.6%. The company distributes dividends quarterly, with its last ex-dividend date on September 15, 2026.

Wall Street coverage includes 2 Strong Buy, 3 Buy, 1 Hold, and 1 Strong Sell recommendation. The mean price target is $26.07, representing an 18.1% upside compared to the last close of $22.07. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $2.08 on revenue of $1.00B. For the next fiscal year, 7 analysts project EPS to grow 11.9% to $2.32 alongside 3.9% revenue growth to $1.04B. The company beat EPS estimates in 2 of the last 4 quarters.

This page is an AI-written research summary of Simmons First National Corporation (SFNC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: SFNC income statement, SFNC balance sheet, SFNC key metrics, SFNC analyst forecast, SFNC chart. See the SFNC stock overview for the latest quote and news.