SIMMONS FIRST NATL CORP-CL A (SFNC) Stock Fundamental Analysis
USA - NASDAQ:SFNC - US8287302009 - Common Stock
17.87 USD
+0.09 (+0.51%)
17.87 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SFNC. SFNC was compared to 391 industry peers in the Banks industry. SFNC has a bad profitability rating. Also its financial health evaluation is rather negative. SFNC has a decent growth rate and is not valued too expensively. 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.
SFNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.60%, SFNC is not doing good in the industry: 70.33% of the companies in the same industry are doing better.
SFNC's Return On Equity of 4.51% is on the low side compared to the rest of the industry. SFNC is outperformed by 78.01% of its industry peers.
| 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
With a Profit Margin value of 19.85%, SFNC is not doing good in the industry: 63.68% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SFNC has declined.
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) | 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.
The number of shares outstanding for SFNC has been increased compared to 5 years ago.
SFNC has a better debt/assets ratio than last year.
2.2 Solvency
SFNC has a debt to FCF ratio of 1.19. This is a very positive value and a sign of high solvency as it would only need 1.19 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.19, SFNC is doing good in the industry, outperforming 64.45% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that SFNC is not too dependend on debt financing.
The Debt to Equity ratio of SFNC (0.12) is better than 65.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.19 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.92%
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 grown by an nice 9.15% 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.
Looking at the last year, SFNC shows a very negative growth in Revenue. The Revenue has decreased by -91.58% in the last year.
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
SFNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.57% yearly.
The Revenue is expected to grow by 8.22% on average over the next years. This is quite good.
EPS Next Y21.39%
EPS Next 2Y19.31%
EPS Next 3Y14.57%
EPS Next 5YN/A
Revenue Next Year11.53%
Revenue Next 2Y9.6%
Revenue Next 3Y8.22%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 11.53, the valuation of SFNC can be described as reasonable.
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 26.91, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.90 indicates a reasonable valuation of SFNC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SFNC indicates a somewhat cheap valuation: SFNC is cheaper than 69.31% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of SFNC to the average of the S&P500 Index (22.92), we can say SFNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.53 | ||
| Fwd PE | 8.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFNC indicates a rather cheap valuation: SFNC is cheaper than 84.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.41 | ||
| 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 14.57% in the coming years.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y19.31%
EPS Next 3Y14.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.78%, SFNC is a good candidate for dividend investing.
SFNC's Dividend Yield is rather good when compared to the industry average which is at 3.53. SFNC pays more dividend than 84.40% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, SFNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.78% |
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 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.
The dividend of SFNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP66.34%
EPS Next 2Y19.31%
EPS Next 3Y14.57%
17.87
+0.09 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.02%
Inst Owner Change0%
Ins Owners0.56%
Ins Owner Change3.25%
Market Cap2.59B
Revenue(TTM)62.73M
Net Income(TTM)160.22M
Analysts75
Price Target23.26 (30.16%)
Short Float %3.05%
Short Ratio4.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.78% |
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)0%
PT rev (3m)5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.91%
EPS NY rev (1m)-1%
EPS NY rev (3m)9.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.06%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)2.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.53 | ||
| Fwd PE | 8.9 | ||
| P/S | 3.2 | ||
| P/FCF | 7.41 | ||
| P/OCF | 6.58 | ||
| P/B | 0.73 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY8.67%
EPS(NY)2.01
Fwd EY11.23%
FCF(TTM)2.41
FCFY13.49%
OCF(TTM)2.71
OCFY15.19%
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
WACC20.92%
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 Y21.39%
EPS Next 2Y19.31%
EPS Next 3Y14.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-91.58%
Revenue growth 3Y-0.33%
Revenue growth 5Y-0.61%
Sales Q2Q%33%
Revenue Next Year11.53%
Revenue Next 2Y9.6%
Revenue Next 3Y8.22%
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 21.39% in the next year.