SIMMONS FIRST NATL CORP-CL A(NASDAQ:SFNC) stock Fundamental Analysis

Fundamental Rating

SFNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. SFNC may be in some trouble as it scores bad on both profitability and health. SFNC has a valuation in line with the averages, but it does not seem to be growing. SFNC also has an excellent dividend rating.

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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.

Each year in the past 5 years SFNC has been profitable.

Each year in the past 5 years SFNC had a positive operating cash flow.

1.2 Ratios

The Return On Assets of SFNC (0.57%) is worse than 71.65% of its industry peers.

With a Return On Equity value of 4.33%, SFNC is not doing good in the industry: 81.52% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.57%
ROE	4.33%
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

The Profit Margin of SFNC (19.69%) is worse than 64.05% of its industry peers.

SFNC's Profit Margin has declined in the last couple of years.

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)	19.69%
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.

SFNC has more shares outstanding than it did 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

SFNC has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.

SFNC has a better Debt to FCF ratio (1.11) than 69.37% of its industry peers.

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 66.33% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.11
Altman-Z	N/A

ROIC/WACCN/A

WACC21.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

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%.

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 small growth in Revenue. The Revenue has grown by 1.68% in the last year.

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

Based on estimates for the next years, SFNC will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.52% on average per year.

SFNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.55% yearly.

EPS Next Y14.18%

EPS Next 2Y16.52%

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.80, SFNC is valued correctly.

Based on the Price/Earnings ratio, SFNC is valued a bit more expensive than the industry average as 68.86% of the companies are valued more cheaply.

SFNC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.85.

With a Price/Forward Earnings ratio of 10.44, the valuation of SFNC can be described as very reasonable.

SFNC's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 20.89. SFNC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	14.8
Fwd PE	10.44

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SFNC is valued cheaply inside the industry as 88.35% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.61
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 16.52% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.04

PEG (5Y)N/A

EPS Next 2Y16.52%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.38%, SFNC is a good candidate for dividend investing.

SFNC's Dividend Yield is a higher than the industry average which is at 3.42.

SFNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	4.38%

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

69.05% of the earnings are spent on dividend by SFNC. This is not a sustainable payout ratio.

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

DP69.05%

EPS Next 2Y16.52%

EPS Next 3YN/A

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SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (5/14/2025, 5:20:02 PM)

After market: 19.98 0 (0%)

19.98

-0.28 (-1.38%)

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 Change0.66%

Ins Owners0.74%

Ins Owner Change2.28%

Market Cap2.52B

Analysts75

Price Target22.03 (10.26%)

Short Float %2.13%

Short Ratio3.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.38%

Yearly Dividend0.84

Dividend Growth(5Y)6.13%

DP69.05%

Div Incr Years13

Div Non Decr Years34

Ex-Date03-14 2025-03-14 (0.2125)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.01%

Min EPS beat(2)7.2%

Max EPS beat(2)8.82%

EPS beat(4)3

Avg EPS beat(4)5.15%

Min EPS beat(4)-0.93%

Max EPS beat(4)8.82%

EPS beat(8)6

Avg EPS beat(8)3.17%

EPS beat(12)10

Avg EPS beat(12)4.13%

EPS beat(16)13

Avg EPS beat(16)7.81%

Revenue beat(2)0

Avg Revenue beat(2)-9.21%

Min Revenue beat(2)-16.37%

Max Revenue beat(2)-2.04%

Revenue beat(4)0

Avg Revenue beat(4)-7.03%

Min Revenue beat(4)-16.37%

Max Revenue beat(4)-2.04%

Revenue beat(8)0

Avg Revenue beat(8)-7.72%

Revenue beat(12)0

Avg Revenue beat(12)-7.13%

Revenue beat(16)1

Avg Revenue beat(16)-5.76%

PT rev (1m)-10%

PT rev (3m)-10%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.54%

EPS NY rev (3m)-0.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.04%

Revenue NY rev (1m)1.34%

Revenue NY rev (3m)1.37%

Valuation

		Industry Rank	Sector Rank
PE	14.8
Fwd PE	10.44
P/S	3.24
P/FCF	6.61
P/OCF	5.91
P/B	0.71
P/tB	1.19
EV/EBITDA	N/A

EPS(TTM)1.35

EY6.76%

EPS(NY)1.91

Fwd EY9.58%

FCF(TTM)3.02

FCFY15.12%

OCF(TTM)3.38

OCFY16.93%

SpS6.16

BVpS28.02

TBVpS16.76

PEG (NY)1.04

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.57%
ROE	4.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.69%
GM	N/A
FCFM	49.05%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.11
Debt/EBITDA	N/A
Cap/Depr	98.68%
Cap/Sales	5.87%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	249.14%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC21.37%

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 Y14.18%

EPS Next 2Y16.52%

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 1Y-25.1%

FCF growth 3Y18.28%

FCF growth 5Y15.1%

OCF growth 1Y-21.27%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens