19.89 USD
-0.32 (-1.58%)
19.89 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to SFNC. SFNC was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of SFNC have multiple concerns. SFNC has a decent growth rate and is not valued too expensively. 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
- With a Return On Assets value of -1.77%, SFNC is not doing good in the industry: 95.56% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of -12.74%, SFNC is doing worse than 94.52% of the companies in the same industry.
| 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
- SFNC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 5 years ago, SFNC has more shares outstanding
- SFNC has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of SFNC is 1.82, which is an excellent value as it means it would take SFNC, only 1.82 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of SFNC (1.82) is comparable to the rest of the industry.
- SFNC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
- SFNC has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 20.57% over the past year.
- The Earnings Per Share has been decreasing by -5.95% on average over the past years.
- Looking at the last year, SFNC shows a very negative growth in Revenue. The Revenue has decreased by -86.69% in the last year.
- The Revenue for SFNC have been decreasing by -34.85% on average. This is quite bad
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 11.26% on average over the next years. This is quite good.
- SFNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.
EPS Next Y15.71%
EPS Next 2Y11.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.14%
Revenue Next 2Y6.35%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.70 indicates a reasonable valuation of SFNC.
- SFNC's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, SFNC is valued rather cheaply.
- SFNC is valuated reasonably with a Price/Forward Earnings ratio of 10.11.
- SFNC's Price/Forward Earnings ratio is in line with the industry average.
- SFNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.7 | ||
| Fwd PE | 10.11 |
4.2 Price Multiples
- 81.98% of the companies in the same industry are more expensive than SFNC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- SFNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y11.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- SFNC has a Yearly Dividend Yield of 4.25%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.60, SFNC pays a better dividend. On top of this SFNC pays more dividend than 87.47% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, SFNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
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
- SFNC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- SFNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-25.9%
EPS Next 2Y11.26%
EPS Next 3YN/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 11.7 and the Price/Book (PB) ratio is 0.86.
Is the dividend of SIMMONS FIRST NATL CORP-CL A sustainable?
The dividend rating of SIMMONS FIRST NATL CORP-CL A (SFNC) is 8 / 10 and the dividend payout ratio is -25.9%.