18.99 USD
-0.23 (-1.2%)
18.99 USD
0 (0%)
SFNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of SFNC have multiple concerns. SFNC is not valued too expensively and it also shows a decent growth rate. Finally SFNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SFNC was profitable.
In the past year SFNC had a positive cash flow from operations.
SFNC had positive earnings in each of the past 5 years.
Each year in the past 5 years SFNC had a positive operating cash flow.
1.2 Ratios
SFNC's Return On Assets of -1.77% is on the low side compared to the rest of the industry. SFNC is outperformed by 95.61% of its industry peers.
The Return On Equity of SFNC (-12.74%) is worse than 94.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.77% | ||
| ROE | -12.74% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.88%
ROE(3y)5.76%
ROE(5y)6.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
In the last couple of years the Profit Margin of SFNC has declined.
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 3Y-17.14%
PM growth 5Y-7.92%
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 better 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.
The Debt to FCF ratio of SFNC (1.82) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.20 indicates that SFNC is not too dependend on debt financing.
SFNC's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. SFNC outperforms 41.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.37%
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 9.15%, which is quite good.
SFNC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.24% yearly.
SFNC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -91.58%.
The Revenue has been decreasing by -0.61% on average over the past years.
EPS 1Y (TTM)9.15%
EPS 3Y-17.05%
EPS 5Y-10.24%
EPS Q2Q%24.32%
Revenue 1Y (TTM)-91.58%
Revenue growth 3Y-0.33%
Revenue growth 5Y-0.61%
Sales Q2Q%33%
3.2 Future
Based on estimates for the next years, SFNC will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.31% on average per year.
The Revenue is expected to grow by 8.15% on average over the next years. This is quite good.
EPS Next Y21.06%
EPS Next 2Y18.11%
EPS Next 3Y14.31%
EPS Next 5YN/A
Revenue Next Year12.47%
Revenue Next 2Y10%
Revenue Next 3Y8.15%
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
With a Price/Earnings ratio of 12.25, SFNC is valued correctly.
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 26.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.65, the valuation of SFNC can be described as reasonable.
SFNC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SFNC is cheaper than 63.82% of the companies in the same industry.
SFNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.25 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
SFNC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SFNC is cheaper than 83.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.27 | ||
| 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.
SFNC's earnings are expected to grow with 14.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y18.11%
EPS Next 3Y14.31%
5. Dividend
5.1 Amount
SFNC has a Yearly Dividend Yield of 4.51%, which is a nice return.
SFNC's Dividend Yield is rather good when compared to the industry average which is at 2.78. SFNC pays more dividend than 87.08% of the companies in the same industry.
SFNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
5.2 History
The dividend of SFNC is nicely growing with an annual growth rate of 6.13%!
SFNC has paid a dividend for at least 10 years, which is a reliable track record.
SFNC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 2Y18.11%
EPS Next 3Y14.31%
18.99
-0.23 (-1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.81%
Inst Owner Change0%
Ins Owners0.58%
Ins Owner Change3.04%
Market Cap2.75B
Revenue(TTM)62.73M
Net Income(TTM)-427.31M
Analysts76.92
Price Target22.27 (17.27%)
Short Float %3.03%
Short Ratio3.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
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)0%
PT rev (3m)-4.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.25 | ||
| Fwd PE | 9.65 | ||
| P/S | 43.81 | ||
| P/FCF | 7.27 | ||
| P/OCF | 6.6 | ||
| P/B | 0.82 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY8.16%
EPS(NY)1.97
Fwd EY10.36%
FCF(TTM)2.61
FCFY13.75%
OCF(TTM)2.88
OCFY15.16%
SpS0.43
BVpS23.18
TBVpS13.44
PEG (NY)0.58
PEG (5Y)N/A
Graham Number28.43
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)0.71%
ROA(5y)0.88%
ROE(3y)5.76%
ROE(5y)6.84%
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 3Y-17.14%
PM growth 5Y-7.92%
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
WACC20.37%
ROIC/WACCN/A
Cap/Depr(3y)79.94%
Cap/Depr(5y)73.69%
Cap/Sales(3y)4.65%
Cap/Sales(5y)4.32%
Profit Quality(3y)217.05%
Profit Quality(5y)162.04%
High Growth Momentum
Growth
EPS 1Y (TTM)9.15%
EPS 3Y-17.05%
EPS 5Y-10.24%
EPS Q2Q%24.32%
EPS Next Y21.06%
EPS Next 2Y18.11%
EPS Next 3Y14.31%
EPS Next 5YN/A
Revenue 1Y (TTM)-91.58%
Revenue growth 3Y-0.33%
Revenue growth 5Y-0.61%
Sales Q2Q%33%
Revenue Next Year12.47%
Revenue Next 2Y10%
Revenue Next 3Y8.15%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year25.4%
EBIT Next 3Y16.84%
EBIT Next 5YN/A
FCF growth 1Y109.64%
FCF growth 3Y18.28%
FCF growth 5Y15.1%
OCF growth 1Y92.56%
OCF growth 3Y15.31%
OCF growth 5Y10.71%
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 12.25 and the Price/Book (PB) ratio is 0.82.
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%.