SFNC Fundamental Analysis - SIMMONS FIRST NATL CORP-CL A

Fundamental Rating

Overall SFNC gets a fundamental rating of 3 out of 10. We evaluated SFNC against 395 industry peers in the Banks industry. Both the profitability and financial health of SFNC have multiple concerns. SFNC has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally SFNC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

SFNC had positive earnings in the past year.

SFNC had a positive operating cash flow in the past year.

SFNC had positive earnings in each of the past 5 years.

SFNC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.55%, SFNC is not doing good in the industry: 73.23% of the companies in the same industry are doing better.

SFNC's Return On Equity of 4.14% is on the low side compared to the rest of the industry. SFNC is outperformed by 81.82% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.55%
ROE	4.14%
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 has a worse Profit Margin (18.50%) than 68.18% 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)	18.5%
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

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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.

Compared to 1 year ago, SFNC has more shares outstanding

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

SFNC has a better debt/assets ratio than last year.

2.2 Solvency

SFNC has a debt to FCF ratio of 1.22. This is a very positive value and a sign of high solvency as it would only need 1.22 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.22, SFNC is in the better half of the industry, outperforming 67.68% of the companies in the same industry.

A Debt/Equity ratio of 0.12 indicates that SFNC is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.12, SFNC is doing good in the industry, outperforming 64.39% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.22
Altman-Z	N/A

ROIC/WACCN/A

WACC21.88%

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 -12.90%.

The earnings per share for SFNC have been decreasing by -10.24% on average. This is quite bad

SFNC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.68%.

The Revenue has been decreasing by -0.61% on average over the past years.

EPS 1Y (TTM)-12.9%

EPS 3Y-17.05%

EPS 5Y-10.24%

EPS Q2Q%-18.75%

Revenue 1Y (TTM)1.68%

Revenue growth 3Y-0.33%

Revenue growth 5Y-0.61%

Sales Q2Q%7.43%

3.2 Future

SFNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.19% yearly.

The Revenue is expected to grow by 7.55% on average over the next years.

EPS Next Y10.04%

EPS Next 2Y16.19%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.78%

Revenue Next 2Y7.55%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.90, SFNC is valued correctly.

64.65% of the companies in the same industry are cheaper than SFNC, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.25, SFNC is valued a bit cheaper.

SFNC is valuated reasonably with a Price/Forward Earnings ratio of 9.85.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SFNC is on the same level as its industry peers.

SFNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.15, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.9
Fwd PE	9.85

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SFNC is valued cheaper than 86.11% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.65
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

SFNC's earnings are expected to grow with 16.19% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.38

PEG (5Y)N/A

EPS Next 2Y16.19%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.50%, SFNC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.44, SFNC pays a better dividend. On top of this SFNC pays more dividend than 82.07% 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 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.5%

5.2 History

On average, the dividend of SFNC grows each year by 6.13%, which is quite nice.

SFNC has paid a dividend for at least 10 years, which is 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 72.40% of its income as dividend. This is not a sustainable payout ratio.

SFNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP72.4%

EPS Next 2Y16.19%

EPS Next 3YN/A

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SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (5/30/2025, 8:00:01 PM)

After market: 18.76 0 (0%)

18.76

-0.13 (-0.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-16 2025-04-16/amc

Earnings (Next)07-22 2025-07-22/bmo

Inst Owners73.48%

Inst Owner Change1.42%

Ins Owners0.74%

Ins Owner Change2.55%

Market Cap2.36B

Analysts75

Price Target22.03 (17.43%)

Short Float %2.13%

Short Ratio3.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.5%

Yearly Dividend0.84

Dividend Growth(5Y)6.13%

DP72.4%

Div Incr Years13

Div Non Decr Years34

Ex-Date06-13 2025-06-13 (0.2125)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-9.86%

Min EPS beat(2)-26.93%

Max EPS beat(2)7.2%

EPS beat(4)3

Avg EPS beat(4)-1.35%

Min EPS beat(4)-26.93%

Max EPS beat(4)8.82%

EPS beat(8)6

Avg EPS beat(8)3.04%

EPS beat(12)9

Avg EPS beat(12)0.8%

EPS beat(16)12

Avg EPS beat(16)5%

Revenue beat(2)0

Avg Revenue beat(2)-1.89%

Min Revenue beat(2)-2.04%

Max Revenue beat(2)-1.73%

Revenue beat(4)0

Avg Revenue beat(4)-6.09%

Min Revenue beat(4)-16.37%

Max Revenue beat(4)-1.73%

Revenue beat(8)0

Avg Revenue beat(8)-7.23%

Revenue beat(12)0

Avg Revenue beat(12)-6.57%

Revenue beat(16)1

Avg Revenue beat(16)-5.7%

PT rev (1m)0%

PT rev (3m)-10%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.21%

EPS NY rev (1m)-3.62%

EPS NY rev (3m)-4.14%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.36%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.37%

Valuation

		Industry Rank	Sector Rank
PE	13.9
Fwd PE	9.85
P/S	2.99
P/FCF	6.65
P/OCF	5.89
P/B	0.67
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)1.35

EY7.2%

EPS(NY)1.9

Fwd EY10.15%

FCF(TTM)2.82

FCFY15.04%

OCF(TTM)3.18

OCFY16.98%

SpS6.27

BVpS28.04

TBVpS16.81

PEG (NY)1.38

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.55%
ROE	4.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.5%
GM	N/A
FCFM	44.97%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.22
Debt/EBITDA	N/A
Cap/Depr	101.03%
Cap/Sales	5.8%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	243.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC21.88%

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)-12.9%

EPS 3Y-17.05%

EPS 5Y-10.24%

EPS Q2Q%-18.75%

EPS Next Y10.04%

EPS Next 2Y16.19%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.68%

Revenue growth 3Y-0.33%

Revenue growth 5Y-0.61%

Sales Q2Q%7.43%

Revenue Next Year8.78%

Revenue Next 2Y7.55%

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 1Y10.41%

FCF growth 3Y18.28%

FCF growth 5Y15.1%

OCF growth 1Y11.3%

OCF growth 3Y15.31%

OCF growth 5Y10.71%

SIMMONS FIRST NATL CORP-CL A (SFNC) Stock Fundamental Analysis

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

More info and screens