SIMMONS FIRST NATL CORP-CL A (SFNC) Stock Fundamental Analysis
USA - NASDAQ:SFNC - US8287302009 - Common Stock
17.38 USD
+0.12 (+0.7%)
17.38 USD
0 (0%)
SFNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. SFNC has a bad profitability rating. Also its financial health evaluation is rather negative. SFNC has a correct valuation and a medium 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.
In the past 5 years SFNC has always been profitable.
Each year in the past 5 years SFNC had a positive operating cash flow.
1.2 Ratios
SFNC has a worse Return On Assets (0.60%) than 71.39% of its industry peers.
Looking at the Return On Equity, with a value of 4.51%, SFNC is doing worse than 79.12% 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 has a worse Profit Margin (19.85%) than 64.95% of its industry peers.
SFNC's Profit Margin has declined in the last couple of years.
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.
The number of shares outstanding for SFNC has been increased 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
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 63.14% 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 63.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.19 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.09%
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.
The Revenue for SFNC has decreased by -91.58% in the past year. This is quite bad
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.
Based on estimates for the next years, SFNC will show a quite strong growth in Revenue. The Revenue will grow by 8.15% on average per year.
EPS Next Y20.9%
EPS Next 2Y18.14%
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
The Price/Earnings ratio is 11.21, which indicates a very decent valuation of SFNC.
SFNC's Price/Earnings ratio is in line with the industry average.
SFNC is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.83, the valuation of SFNC can be described as reasonable.
Based on the Price/Forward Earnings ratio, SFNC is valued a bit cheaper than 64.95% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.98. SFNC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 8.83 |
4.2 Price Multiples
SFNC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SFNC is cheaper than 82.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.21 | ||
| 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.
A more expensive valuation may be justified as SFNC's earnings are expected to grow with 14.31% in the coming years.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y18.14%
EPS Next 3Y14.31%
5. Dividend
5.1 Amount
SFNC has a Yearly Dividend Yield of 4.77%, which is a nice return.
Compared to an average industry Dividend Yield of 3.39, SFNC pays a better dividend. On top of this SFNC pays more dividend than 85.82% 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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 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
SFNC pays out 66.34% 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.
DP66.34%
EPS Next 2Y18.14%
EPS Next 3Y14.31%
17.38
+0.12 (+0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.02%
Inst Owner Change21.06%
Ins Owners0.56%
Ins Owner Change4.45%
Market Cap2.51B
Revenue(TTM)62.73M
Net Income(TTM)160.22M
Analysts73.85
Price Target22.44 (29.11%)
Short Float %2.76%
Short Ratio3.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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)-3.51%
PT rev (3m)-2.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.7%
EPS NY rev (1m)-1.4%
EPS NY rev (3m)9.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 8.83 | ||
| P/S | 3.12 | ||
| P/FCF | 7.21 | ||
| P/OCF | 6.4 | ||
| P/B | 0.71 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY8.92%
EPS(NY)1.97
Fwd EY11.32%
FCF(TTM)2.41
FCFY13.88%
OCF(TTM)2.71
OCFY15.62%
SpS5.58
BVpS24.53
TBVpS14.77
PEG (NY)0.54
PEG (5Y)N/A
Graham Number29.25
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
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-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
WACC21.09%
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 Y20.9%
EPS Next 2Y18.14%
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 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%
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 4 / 10 to SFNC.
What is the valuation status of SIMMONS FIRST NATL CORP-CL A (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.
Can you provide the profitability details for SIMMONS FIRST NATL CORP-CL A?
SIMMONS FIRST NATL CORP-CL A (SFNC) has a profitability rating of 2 / 10.
Can you provide the financial health for SFNC stock?
The financial health rating of SIMMONS FIRST NATL CORP-CL A (SFNC) is 3 / 10.
What is the expected EPS growth for SIMMONS FIRST NATL CORP-CL A (SFNC) stock?
The Earnings per Share (EPS) of SIMMONS FIRST NATL CORP-CL A (SFNC) is expected to grow by 20.9% in the next year.