Fundamental Analysis of SIMMONS FIRST NATL CORP-CL A(NASDAQ:SFNC) stock

Fundamental Rating

Overall SFNC gets a fundamental rating of 3 out of 10. We evaluated SFNC against 411 industry peers in the Banks industry. SFNC has a bad profitability rating. Also its financial health evaluation is rather negative. SFNC has a valuation in line with the averages, but it does not seem to be growing. Finally SFNC also has an excellent dividend rating.

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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.

Each year in the past 5 years SFNC has been profitable.

In the past 5 years SFNC always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.64%, SFNC is doing worse than 70.80% of the companies in the same industry.

SFNC has a Return On Equity of 5.11%. This is amonst the worse of the industry: SFNC underperforms 80.29% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	5.11%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.99%

ROE(3y)7.1%

ROE(5y)7.56%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SFNC's Profit Margin of 21.72% is on the low side compared to the rest of the industry. SFNC is outperformed by 60.10% of its industry peers.

SFNC's Profit Margin has declined in the last couple of years.

SFNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	21.72%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.16%

PM growth 5Y-6.84%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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 reduced compared to 1 year ago.

SFNC has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, SFNC has an improved debt to assets ratio.

2.2 Solvency

SFNC has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.

SFNC has a better Debt to FCF ratio (0.89) than 77.62% of its industry peers.

SFNC has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.13, SFNC is doing good in the industry, outperforming 70.32% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	0.89
Altman-Z	N/A

ROIC/WACCN/A

WACC19.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SFNC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.47%.

SFNC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.28% yearly.

The Revenue has decreased by -9.21% in the past year.

Measured over the past years, SFNC shows a small growth in Revenue. The Revenue has been growing by 2.96% on average per year.

EPS 1Y (TTM)-33.47%

EPS 3Y-11.71%

EPS 5Y-7.28%

EPS growth Q2Q-37.5%

Revenue 1Y (TTM)-9.21%

Revenue growth 3Y-2.88%

Revenue growth 5Y2.96%

Revenue growth Q2Q-25.25%

3.2 Future

The Earnings Per Share is expected to grow by 2.41% on average over the next years.

Based on estimates for the next years, SFNC will show a small growth in Revenue. The Revenue will grow by 2.50% on average per year.

EPS Next Y-12.33%

EPS Next 2Y2.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-2.04%

Revenue Next 2Y2.5%

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.47, the valuation of SFNC can be described as very reasonable.

SFNC's Price/Earnings ratio is a bit more expensive when compared to the industry. SFNC is more expensive than 63.50% of the companies in the same industry.

SFNC is valuated cheaply when we compare the Price/Earnings ratio to 25.25, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 13.08 indicates a correct valuation of SFNC.

Based on the Price/Forward Earnings ratio, SFNC is valued a bit more expensive than 66.42% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of SFNC to the average of the S&P500 Index (21.67), we can say SFNC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	11.47
Fwd PE	13.08

4.2 Price Multiples

SFNC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SFNC is cheaper than 89.78% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.5
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y2.41%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.47%, SFNC is a good candidate for dividend investing.

SFNC's Dividend Yield is a higher than the industry average which is at 3.89.

Compared to an average S&P500 Dividend Yield of 2.45, SFNC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.47%

5.2 History

The dividend of SFNC has a limited annual growth rate of 5.79%.

SFNC has been paying a dividend for at least 10 years, so it has a reliable track record.

As SFNC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)5.79%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

SFNC pays out 57.69% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of SFNC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP57.69%

EPS Next 2Y2.41%

EPS Next 3YN/A

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SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (4/24/2024, 7:00:03 PM)

After market: 18.25 +0.02 (+0.11%)

18.23

-0.58 (-3.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap2.28B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.47%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

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EPS beat(16)

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Revenue beat(2)

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Revenue beat(4)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	11.47
Fwd PE	13.08
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.64%
ROE	5.11%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	21.72%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-33.47%

EPS 3Y-11.71%

EPS 5Y

EPS growth Q2Q

EPS Next Y-12.33%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-9.21%

Revenue growth 3Y-2.88%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

SIMMONS FIRST NATL CORP-CL A (SFNC)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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