SIMMONS FIRST NATL CORP-CL A (SFNC) Fundamental Analysis & Valuation
NASDAQ:SFNC • US8287302009
Current stock price
20.43 USD
+0.56 (+2.82%)
At close:
20.43 USD
0 (0%)
After Hours:
This SFNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- Each year in the past 5 years SFNC had a positive operating cash flow.
1.2 Ratios
- SFNC has a Return On Assets of -1.62%. This is amonst the worse of the industry: SFNC underperforms 96.05% of its industry peers.
- SFNC has a Return On Equity of -11.63%. This is amonst the worse of the industry: SFNC underperforms 95.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.62% | ||
| ROE | -11.63% | ||
| 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
1.3 Margins
- The Profit Margin and 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) | 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
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.
- The debt/assets ratio for SFNC has been reduced compared to a year ago.
2.2 Solvency
- SFNC has a debt to FCF ratio of 0.86. This is a very positive value and a sign of high solvency as it would only need 0.86 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 0.86, SFNC is doing good in the industry, outperforming 72.11% of the companies in the same industry.
- A Debt/Equity ratio of 0.10 indicates that SFNC is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.10, SFNC is in the better half of the industry, outperforming 66.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- SFNC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -86.69%.
- Measured over the past years, SFNC shows a very negative growth in Revenue. The Revenue has been decreasing by -34.85% on average per year.
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
- The Earnings Per Share is expected to grow by 10.36% on average over the next years. This is quite good.
- SFNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y20.16%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
EPS Next 5YN/A
Revenue Next Year9%
Revenue Next 2Y6.45%
Revenue Next 3Y5.95%
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. SFNC Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.02, which indicates a correct valuation of SFNC.
- SFNC's Price/Earnings ratio is in line with the industry average.
- SFNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
- With a Price/Forward Earnings ratio of 10.00, the valuation of SFNC can be described as very reasonable.
- 65.26% of the companies in the same industry are more expensive than SFNC, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of SFNC to the average of the S&P500 Index (23.69), we can say SFNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.02 | ||
| Fwd PE | 10 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SFNC is valued cheaply inside the industry as 86.05% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y12.76%
EPS Next 3Y10.36%
5. SFNC Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 4.54%, SFNC is a good candidate for dividend investing.
- SFNC's Dividend Yield is rather good when compared to the industry average which is at 2.73. SFNC pays more dividend than 90.00% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, SFNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.54% |
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 Years14
Div Non Decr Years34
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-28.94%
EPS Next 2Y12.76%
EPS Next 3Y10.36%
SFNC Fundamentals: All Metrics, Ratios and Statistics
20.43
+0.56 (+2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20 2026-01-20/amc
Earnings (Next)04-16 2026-04-16
Inst Owners81.61%
Inst Owner Change0%
Ins Owners0.59%
Ins Owner Change2.43%
Market Cap2.96B
Revenue(TTM)103.23M
Net Income(TTM)-397.55M
Analysts78.46
Price Target23.46 (14.83%)
Short Float %3.85%
Short Ratio4.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.54% |
Yearly Dividend0.85
Dividend Growth(5Y)4.83%
DP-28.94%
Div Incr Years14
Div Non Decr Years34
Ex-Date03-13 2026-03-13 (0.215)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.87%
Min EPS beat(2)-4.79%
Max EPS beat(2)10.52%
EPS beat(4)2
Avg EPS beat(4)-2.6%
Min EPS beat(4)-26.93%
Max EPS beat(4)10.8%
EPS beat(8)5
Avg EPS beat(8)1.27%
EPS beat(12)8
Avg EPS beat(12)1.25%
EPS beat(16)12
Avg EPS beat(16)2.45%
Revenue beat(2)1
Avg Revenue beat(2)0.36%
Min Revenue beat(2)-1.65%
Max Revenue beat(2)2.37%
Revenue beat(4)1
Avg Revenue beat(4)-1.04%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)2.37%
Revenue beat(8)1
Avg Revenue beat(8)-4.03%
Revenue beat(12)1
Avg Revenue beat(12)-5.49%
Revenue beat(16)1
Avg Revenue beat(16)-5.6%
PT rev (1m)0%
PT rev (3m)5.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.13%
EPS NY rev (1m)0%
EPS NY rev (3m)3.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.95%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.02 | ||
| Fwd PE | 10 | ||
| P/S | 28.67 | ||
| P/FCF | 7.19 | ||
| P/OCF | 6.58 | ||
| P/B | 0.87 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY8.32%
EPS(NY)2.04
Fwd EY10%
FCF(TTM)2.84
FCFY13.9%
OCF(TTM)3.1
OCFY15.19%
SpS0.71
BVpS23.6
TBVpS13.9
PEG (NY)0.6
PEG (5Y)N/A
Graham Number30.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.62% | ||
| ROE | -11.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 398.48% |
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-Score4
Asset Turnover0
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93.48% | ||
| Cap/Sales | 36.95% | ||
| 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-Score4
WACC19.77%
ROIC/WACCN/A
Cap/Depr(3y)87.09%
Cap/Depr(5y)86.96%
Cap/Sales(3y)15.64%
Cap/Sales(5y)11.4%
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 Y20.16%
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 Year9%
Revenue Next 2Y6.45%
Revenue Next 3Y5.95%
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 1Y8.14%
FCF growth 3Y12.76%
FCF growth 5Y16.8%
OCF growth 1Y5.54%
OCF growth 3Y11.74%
OCF growth 5Y17.29%
SIMMONS FIRST NATL CORP-CL A / SFNC Fundamental Analysis 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 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.
What is the profitability of SFNC stock?
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.
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 -28.94%.