SIMMONS FIRST NATL CORP-CL A (SFNC) Stock Fundamental Analysis
NASDAQ:SFNC - US8287302009 - Common Stock
20.78 USD
-0.11 (-0.53%)
20.78 USD
0 (0%)
SFNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. SFNC has a bad profitability rating. Also its financial health evaluation is rather negative. 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
SFNC had positive earnings in the past year.
In the past year SFNC had a positive cash flow from operations.
Each year in the past 5 years SFNC has been profitable.
SFNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SFNC has a Return On Assets of 0.60%. This is in the lower half of the industry: SFNC underperforms 69.21% of its industry peers.
Looking at the Return On Equity, with a value of 4.51%, SFNC is doing worse than 77.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.6% | ||
| ROE | 4.51% | ||
| 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
SFNC's Profit Margin of 19.85% is on the low side compared to the rest of the industry. SFNC is outperformed by 62.09% of its industry peers.
In the last couple of years the Profit Margin of SFNC has declined.
The 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) | 19.85% | ||
| 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.
SFNC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SFNC has more shares outstanding
Compared to 1 year ago, SFNC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SFNC is 1.19, which is an excellent value as it means it would take SFNC, only 1.19 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.19, SFNC is doing good in the industry, outperforming 66.16% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that SFNC is not too dependend on debt financing.
SFNC has a Debt to Equity ratio of 0.12. This is in the better half of the industry: SFNC outperforms 64.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.19 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.75%
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 been growing slightly by 2.82% over the past year.
SFNC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.24% yearly.
The Revenue has been growing slightly by 5.35% in the past year.
SFNC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.61% yearly.
EPS 1Y (TTM)2.82%
EPS 3Y-17.05%
EPS 5Y-10.24%
EPS Q2Q%33.33%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y-0.33%
Revenue growth 5Y-0.61%
Sales Q2Q%8.61%
3.2 Future
The Earnings Per Share is expected to grow by 19.51% on average over the next years. This is quite good.
Based on estimates for the next years, SFNC will show a quite strong growth in Revenue. The Revenue will grow by 9.97% on average per year.
EPS Next Y23.7%
EPS Next 2Y19.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.1%
Revenue Next 2Y9.97%
Revenue Next 3YN/A
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 14.23, which indicates a correct valuation of SFNC.
Compared to the rest of the industry, the Price/Earnings ratio of SFNC indicates a slightly more expensive valuation: SFNC is more expensive than 62.60% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.08, SFNC is valued a bit cheaper.
The Price/Forward Earnings ratio is 10.32, which indicates a very decent valuation of SFNC.
SFNC's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, SFNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.23 | ||
| Fwd PE | 10.32 |
4.2 Price Multiples
SFNC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SFNC is cheaper than 78.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.62 | ||
| 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.
SFNC's earnings are expected to grow with 19.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y19.51%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.07%, SFNC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.30, SFNC pays a better dividend. On top of this SFNC pays more dividend than 80.66% of the companies listed in the same industry.
SFNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
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 pays out 66.34% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SFNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP66.34%
EPS Next 2Y19.51%
EPS Next 3YN/A
20.78
-0.11 (-0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.07%
Inst Owner Change3.39%
Ins Owners0.56%
Ins Owner Change3.73%
Market Cap3.01B
Analysts75
Price Target23.26 (11.93%)
Short Float %2.54%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
Yearly Dividend0.84
Dividend Growth(5Y)6.13%
DP66.34%
Div Incr Years13
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.06%
Min EPS beat(2)-26.93%
Max EPS beat(2)10.8%
EPS beat(4)3
Avg EPS beat(4)-0.03%
Min EPS beat(4)-26.93%
Max EPS beat(4)10.8%
EPS beat(8)6
Avg EPS beat(8)2.85%
EPS beat(12)9
Avg EPS beat(12)1.22%
EPS beat(16)12
Avg EPS beat(16)3.77%
Revenue beat(2)0
Avg Revenue beat(2)-2.43%
Min Revenue beat(2)-3.14%
Max Revenue beat(2)-1.73%
Revenue beat(4)0
Avg Revenue beat(4)-5.82%
Min Revenue beat(4)-16.37%
Max Revenue beat(4)-1.73%
Revenue beat(8)0
Avg Revenue beat(8)-6.75%
Revenue beat(12)0
Avg Revenue beat(12)-6.54%
Revenue beat(16)0
Avg Revenue beat(16)-5.9%
PT rev (1m)5.56%
PT rev (3m)5.56%
EPS NQ rev (1m)5.07%
EPS NQ rev (3m)13.86%
EPS NY rev (1m)11.92%
EPS NY rev (3m)12.41%
Revenue NQ rev (1m)2.4%
Revenue NQ rev (3m)5.89%
Revenue NY rev (1m)2.97%
Revenue NY rev (3m)3.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.23 | ||
| Fwd PE | 10.32 | ||
| P/S | 3.73 | ||
| P/FCF | 8.62 | ||
| P/OCF | 7.66 | ||
| P/B | 0.85 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.46
EY7.03%
EPS(NY)2.01
Fwd EY9.69%
FCF(TTM)2.41
FCFY11.61%
OCF(TTM)2.71
OCFY13.06%
SpS5.58
BVpS24.53
TBVpS14.77
PEG (NY)0.6
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.6% | ||
| ROE | 4.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.85% | ||
| GM | N/A | ||
| FCFM | 43.24% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 99.74% | ||
| Cap/Sales | 5.42% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 217.79% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.75%
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)2.82%
EPS 3Y-17.05%
EPS 5Y-10.24%
EPS Q2Q%33.33%
EPS Next Y23.7%
EPS Next 2Y19.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.35%
Revenue growth 3Y-0.33%
Revenue growth 5Y-0.61%
Sales Q2Q%8.61%
Revenue Next Year12.1%
Revenue Next 2Y9.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.09%
FCF growth 3Y18.28%
FCF growth 5Y15.1%
OCF growth 1Y29.52%
OCF growth 3Y15.31%
OCF growth 5Y10.71%