21.77 USD
+0.01 (+0.05%)
At close: Feb 10, 2026
21.77 USD
0 (0%)
After Hours: 2/10/2026, 8:00:02 PM
Overall SFNC gets a fundamental rating of 3 out of 10. We evaluated SFNC against 381 industry peers in the Banks industry. SFNC has a bad profitability rating. Also its financial health evaluation is rather negative. SFNC has a correct valuation and a medium growth rate. SFNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year SFNC was profitable.
- SFNC had a positive operating cash flow in the past year.
- Of the past 5 years SFNC 4 years were profitable.
- Of the past 5 years SFNC 4 years had a positive operating cash flow.
1.2 Ratios
- SFNC has a Return On Assets of -1.77%. This is amonst the worse of the industry: SFNC underperforms 95.54% of its industry peers.
- With a Return On Equity value of -12.74%, SFNC is not doing good in the industry: 94.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.77% | ||
| ROE | -12.74% | ||
| ROIC | N/A |
ROA(3y)-0.14%
ROA(5y)0.32%
ROE(3y)-0.73%
ROE(5y)2.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin and Operating Margin and Gross Margin are not available for SFNC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- SFNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for SFNC has been increased compared to 1 year ago.
- SFNC has more shares outstanding than it did 5 years ago.
- SFNC has a worse debt/assets ratio than last year.
2.2 Solvency
- SFNC has a debt to FCF ratio of 1.82. This is a very positive value and a sign of high solvency as it would only need 1.82 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.82, SFNC is in line with its industry, outperforming 50.13% of the companies in the same industry.
- SFNC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.20, SFNC perfoms like the industry average, outperforming 42.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SFNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.57%, which is quite impressive.
- Measured over the past years, SFNC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.95% on average per year.
- Looking at the last year, SFNC shows a very negative growth in Revenue. The Revenue has decreased by -86.69% in the last year.
- SFNC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -34.85% yearly.
EPS 1Y (TTM)20.57%
EPS 3Y-10.73%
EPS 5Y-5.95%
EPS Q2Q%38.46%
Revenue 1Y (TTM)-86.69%
Revenue growth 3Y-51.18%
Revenue growth 5Y-34.85%
Sales Q2Q%19.43%
3.2 Future
- The Earnings Per Share is expected to grow by 10.36% on average over the next years. This is quite good.
- Based on estimates for the next years, SFNC will show a small growth in Revenue. The Revenue will grow by 5.50% on average per year.
EPS Next Y19.48%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
EPS Next 5YN/A
Revenue Next Year8.46%
Revenue Next 2Y6.45%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.81, which indicates a correct valuation of SFNC.
- The rest of the industry has a similar Price/Earnings ratio as SFNC.
- SFNC is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 10.72, which indicates a very decent valuation of SFNC.
- The rest of the industry has a similar Price/Forward Earnings ratio as SFNC.
- SFNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 10.72 |
4.2 Price Multiples
- SFNC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SFNC is cheaper than 82.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.66
PEG (5Y)N/A
EPS Next 2Y12.76%
EPS Next 3Y10.36%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.97%, SFNC has a reasonable but not impressive dividend return.
- SFNC's Dividend Yield is rather good when compared to the industry average which is at 2.53. SFNC pays more dividend than 86.88% of the companies in the same industry.
- SFNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
5.2 History
- On average, the dividend of SFNC grows each year by 6.13%, which is quite nice.
- SFNC has been paying a dividend for at least 10 years, so it has a reliable track record.
- SFNC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.13%
Div Incr Years13
Div Non Decr Years34
5.3 Sustainability
- The earnings of SFNC are negative and hence is the payout ratio. SFNC will probably not be able to sustain this dividend level.
- The dividend of SFNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-25.9%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
21.77
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20 2026-01-20/amc
Earnings (Next)04-14 2026-04-14
Inst Owners80.81%
Inst Owner Change-1.71%
Ins Owners0.58%
Ins Owner Change1.79%
Market Cap3.15B
Revenue(TTM)103.23M
Net Income(TTM)-427.31M
Analysts76.92
Price Target23.46 (7.76%)
Short Float %2.99%
Short Ratio3.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
Yearly Dividend0.84
Dividend Growth(5Y)6.13%
DP-25.9%
Div Incr Years13
Div Non Decr Years34
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3%
Min EPS beat(2)-4.79%
Max EPS beat(2)10.8%
EPS beat(4)2
Avg EPS beat(4)-3.43%
Min EPS beat(4)-26.93%
Max EPS beat(4)10.8%
EPS beat(8)5
Avg EPS beat(8)1.88%
EPS beat(12)8
Avg EPS beat(12)0.52%
EPS beat(16)11
Avg EPS beat(16)1.76%
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-3.14%
Max Revenue beat(2)-1.65%
Revenue beat(4)0
Avg Revenue beat(4)-2.14%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)-1.65%
Revenue beat(8)0
Avg Revenue beat(8)-6.17%
Revenue beat(12)0
Avg Revenue beat(12)-6.21%
Revenue beat(16)0
Avg Revenue beat(16)-5.95%
PT rev (1m)5.34%
PT rev (3m)4.55%
EPS NQ rev (1m)-1.91%
EPS NQ rev (3m)-3.27%
EPS NY rev (1m)3.26%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)-0.82%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)0.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 10.72 | ||
| P/S | 50.22 | ||
| P/FCF | 8.34 | ||
| P/OCF | 7.56 | ||
| P/B | 0.94 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY7.81%
EPS(NY)2.03
Fwd EY9.33%
FCF(TTM)2.61
FCFY12%
OCF(TTM)2.88
OCFY13.23%
SpS0.43
BVpS23.18
TBVpS13.44
PEG (NY)0.66
PEG (5Y)N/A
Graham Number29.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.77% | ||
| ROE | -12.74% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 602.55% |
ROA(3y)-0.14%
ROA(5y)0.32%
ROE(3y)-0.73%
ROE(5y)2.8%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 91.76% | ||
| Cap/Sales | 61.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC19.29%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.57%
EPS 3Y-10.73%
EPS 5Y-5.95%
EPS Q2Q%38.46%
EPS Next Y19.48%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
EPS Next 5YN/A
Revenue 1Y (TTM)-86.69%
Revenue growth 3Y-51.18%
Revenue growth 5Y-34.85%
Sales Q2Q%19.43%
Revenue Next Year8.46%
Revenue Next 2Y6.45%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year7.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.43%
OCF growth 3YN/A
OCF growth 5YN/A
SIMMONS FIRST NATL CORP-CL A / SFNC FAQ
What is the ChartMill fundamental rating of SIMMONS FIRST NATL CORP-CL A (SFNC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to SFNC.
What is the valuation status for SFNC stock?
ChartMill assigns a valuation rating of 6 / 10 to SIMMONS FIRST NATL CORP-CL A (SFNC). This can be considered as Fairly Valued.
How profitable is SIMMONS FIRST NATL CORP-CL A (SFNC) stock?
SIMMONS FIRST NATL CORP-CL A (SFNC) has a profitability rating of 2 / 10.
What are the PE and PB ratios of SIMMONS FIRST NATL CORP-CL A (SFNC) stock?
The Price/Earnings (PE) ratio for SIMMONS FIRST NATL CORP-CL A (SFNC) is 12.81 and the Price/Book (PB) ratio is 0.94.
Is the dividend of SIMMONS FIRST NATL CORP-CL A sustainable?
The dividend rating of SIMMONS FIRST NATL CORP-CL A (SFNC) is 7 / 10 and the dividend payout ratio is -25.9%.