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

NASDAQ:SFNC • US8287302009

19.44 USD
-0.59 (-2.95%)
At close: Mar 6, 2026
19.44 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This SFNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, SFNC scores 3 out of 10 in our fundamental rating. SFNC was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of SFNC have multiple concerns. SFNC has a correct valuation and a medium growth rate. Finally SFNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. SFNC Profitability Analysis

1.1 Basic Checks

  • In the past year SFNC was profitable.
  • In the past year SFNC had a positive cash flow from operations.
  • Of the past 5 years SFNC 4 years were profitable.
  • SFNC had a positive operating cash flow in each of the past 5 years.
SFNC Yearly Net Income VS EBIT VS OCF VS FCFSFNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

1.2 Ratios

  • SFNC has a worse Return On Assets (-1.77%) than 96.31% of its industry peers.
  • SFNC's Return On Equity of -12.74% is on the low side compared to the rest of the industry. SFNC is outperformed by 95.25% of its industry peers.
Industry RankSector Rank
ROA -1.77%
ROE -12.74%
ROIC N/A
ROA(3y)-0.14%
ROA(5y)0.32%
ROE(3y)-0.73%
ROE(5y)2.8%
ROIC(3y)N/A
ROIC(5y)N/A
SFNC Yearly ROA, ROE, ROICSFNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 -10

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for SFNC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SFNC Yearly Profit, Operating, Gross MarginsSFNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SFNC Health Analysis

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.
SFNC Yearly Shares OutstandingSFNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
SFNC Yearly Total Debt VS Total AssetsSFNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • The Debt to FCF ratio of SFNC is 1.82, which is an excellent value as it means it would take SFNC, only 1.82 years of fcf income to pay off all of its debts.
  • SFNC has a Debt to FCF ratio (1.82) which is in line with its industry peers.
  • SFNC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.20, SFNC is in line with its industry, outperforming 41.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.82
Altman-Z N/A
ROIC/WACCN/A
WACC20.1%
SFNC Yearly LT Debt VS Equity VS FCFSFNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFNC Yearly Current Assets VS Current LiabilitesSFNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SFNC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.57% over the past year.
  • SFNC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.95% yearly.
  • The Revenue for SFNC has decreased by -86.69% in the past year. This is quite bad
  • The Revenue for SFNC have been decreasing by -34.85% on average. This is quite bad
EPS 1Y (TTM)20.57%
EPS 3Y-10.73%
EPS 5Y-5.95%
EPS Q2Q%38.46%
Revenue 1Y (TTM)-86.69%
Revenue growth 3Y-51.18%
Revenue growth 5Y-34.85%
Sales Q2Q%19.43%

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 10.36% on average per year.
  • Based on estimates for the next years, SFNC will show a small growth in Revenue. The Revenue will grow by 5.50% on average per year.
EPS Next Y19.48%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
EPS Next 5YN/A
Revenue Next Year8.46%
Revenue Next 2Y6.45%
Revenue Next 3Y5.5%
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.
SFNC Yearly Revenue VS EstimatesSFNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
SFNC Yearly EPS VS EstimatesSFNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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6

4. SFNC Valuation Analysis

4.1 Price/Earnings Ratio

  • SFNC is valuated reasonably with a Price/Earnings ratio of 11.44.
  • SFNC's Price/Earnings is on the same level as the industry average.
  • SFNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • With a Price/Forward Earnings ratio of 9.57, the valuation of SFNC can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SFNC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of SFNC to the average of the S&P500 Index (24.57), we can say SFNC is valued rather cheaply.
Industry RankSector Rank
PE 11.44
Fwd PE 9.57
SFNC Price Earnings VS Forward Price EarningsSFNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SFNC is valued cheaply inside the industry as 82.85% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.45
EV/EBITDA N/A
SFNC Per share dataSFNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y12.76%
EPS Next 3Y10.36%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. SFNC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.29%, SFNC is a good candidate for dividend investing.
  • SFNC's Dividend Yield is rather good when compared to the industry average which is at 2.83. SFNC pays more dividend than 83.38% of the companies in the same industry.
  • SFNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.29%

5.2 History

  • The dividend of SFNC has a limited annual growth rate of 4.83%.
  • 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)4.83%
Div Incr Years13
Div Non Decr Years34
SFNC Yearly Dividends per shareSFNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • The earnings of SFNC are negative and hence is the payout ratio. SFNC will probably not be able to sustain this dividend level.
  • The dividend of SFNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-25.9%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
SFNC Yearly Income VS Free CF VS DividendSFNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

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SFNC Fundamentals: All Metrics, Ratios and Statistics

SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (3/6/2026, 8:00:02 PM)

After market: 19.44 0 (0%)

19.44

-0.59 (-2.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-14
Inst Owners81.61%
Inst Owner Change0.12%
Ins Owners0.59%
Ins Owner Change1.9%
Market Cap2.82B
Revenue(TTM)103.23M
Net Income(TTM)-427.31M
Analysts78.46
Price Target23.46 (20.68%)
Short Float %3.51%
Short Ratio4.44
Dividend
Industry RankSector Rank
Dividend Yield 4.29%
Yearly Dividend0.85
Dividend Growth(5Y)4.83%
DP-25.9%
Div Incr Years13
Div Non Decr Years34
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3%
Min EPS beat(2)-4.79%
Max EPS beat(2)10.8%
EPS beat(4)2
Avg EPS beat(4)-3.43%
Min EPS beat(4)-26.93%
Max EPS beat(4)10.8%
EPS beat(8)5
Avg EPS beat(8)1.88%
EPS beat(12)8
Avg EPS beat(12)0.52%
EPS beat(16)11
Avg EPS beat(16)1.76%
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-3.14%
Max Revenue beat(2)-1.65%
Revenue beat(4)0
Avg Revenue beat(4)-2.14%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)-1.65%
Revenue beat(8)0
Avg Revenue beat(8)-6.17%
Revenue beat(12)0
Avg Revenue beat(12)-6.21%
Revenue beat(16)0
Avg Revenue beat(16)-5.95%
PT rev (1m)5.34%
PT rev (3m)5.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.91%
EPS NY rev (1m)3.26%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE 11.44
Fwd PE 9.57
P/S 44.86
P/FCF 7.45
P/OCF 6.75
P/B 0.84
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)1.7
EY8.74%
EPS(NY)2.03
Fwd EY10.45%
FCF(TTM)2.61
FCFY13.43%
OCF(TTM)2.88
OCFY14.81%
SpS0.43
BVpS23.17
TBVpS13.44
PEG (NY)0.59
PEG (5Y)N/A
Graham Number29.77
Profitability
Industry RankSector Rank
ROA -1.77%
ROE -12.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 602.55%
ROA(3y)-0.14%
ROA(5y)0.32%
ROE(3y)-0.73%
ROE(5y)2.8%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.82
Debt/EBITDA N/A
Cap/Depr 91.76%
Cap/Sales 61.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC20.1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.57%
EPS 3Y-10.73%
EPS 5Y-5.95%
EPS Q2Q%38.46%
EPS Next Y19.48%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
EPS Next 5YN/A
Revenue 1Y (TTM)-86.69%
Revenue growth 3Y-51.18%
Revenue growth 5Y-34.85%
Sales Q2Q%19.43%
Revenue Next Year8.46%
Revenue Next 2Y6.45%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year7.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.43%
OCF growth 3YN/A
OCF growth 5YN/A

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 3 / 10 to SFNC.


What is the valuation status for 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.


How profitable is SIMMONS FIRST NATL CORP-CL A (SFNC) stock?

SIMMONS FIRST NATL CORP-CL A (SFNC) has a profitability rating of 2 / 10.


What are the PE and PB ratios of SIMMONS FIRST NATL CORP-CL A (SFNC) stock?

The Price/Earnings (PE) ratio for SIMMONS FIRST NATL CORP-CL A (SFNC) is 11.44 and the Price/Book (PB) ratio is 0.84.


Is the dividend of SIMMONS FIRST NATL CORP-CL A sustainable?

The dividend rating of SIMMONS FIRST NATL CORP-CL A (SFNC) is 8 / 10 and the dividend payout ratio is -25.9%.