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

Fundamental Rating

Overall SFNC gets a fundamental rating of 3 out of 10. We evaluated SFNC against 412 industry peers in the Banks industry. SFNC may be in some trouble as it scores bad on both profitability and health. SFNC is valued correctly, but it does not seem to be growing. Finally SFNC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year SFNC was profitable.

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

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

In the past 5 years SFNC always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.64%, SFNC is doing worse than 70.15% of the companies in the same industry.

With a Return On Equity value of 5.11%, SFNC is not doing good in the industry: 80.10% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	5.11%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.99%

ROE(3y)7.1%

ROE(5y)7.56%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 21.72%, SFNC perfoms like the industry average, outperforming 40.29% of the companies in the same industry.

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)	21.72%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.16%

PM growth 5Y-6.84%

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.

The number of shares outstanding for SFNC has been reduced compared to 1 year ago.

The number of shares outstanding for SFNC has been increased compared to 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 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.

SFNC has a Debt to FCF ratio of 0.89. This is in the better half of the industry: SFNC outperforms 77.67% of its industry peers.

SFNC has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.13, SFNC is doing good in the industry, outperforming 69.90% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	0.89
Altman-Z	N/A

ROIC/WACCN/A

WACC19.51%

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

The earnings per share for SFNC have decreased strongly by -33.47% in the last year.

Measured over the past years, SFNC shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.28% on average per year.

Looking at the last year, SFNC shows a decrease in Revenue. The Revenue has decreased by -9.21% in the last year.

Measured over the past years, SFNC shows a small growth in Revenue. The Revenue has been growing by 2.96% on average per year.

EPS 1Y (TTM)-33.47%

EPS 3Y-11.71%

EPS 5Y-7.28%

EPS growth Q2Q-37.5%

Revenue 1Y (TTM)-9.21%

Revenue growth 3Y-2.88%

Revenue growth 5Y2.96%

Revenue growth Q2Q-25.25%

3.2 Future

The Earnings Per Share is expected to grow by 2.41% on average over the next years.

The Revenue is expected to grow by 2.50% on average over the next years.

EPS Next Y-12.33%

EPS Next 2Y2.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-2.04%

Revenue Next 2Y2.5%

Revenue Next 3YN/A

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 stable.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.31, the valuation of SFNC can be described as reasonable.

Based on the Price/Earnings ratio, SFNC is valued a bit more expensive than the industry average as 61.89% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 28.28, SFNC is valued rather cheaply.

The Price/Forward Earnings ratio is 12.90, which indicates a correct valuation of SFNC.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SFNC indicates a slightly more expensive valuation: SFNC is more expensive than 65.78% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.88, SFNC is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	11.31
Fwd PE	12.9

4.2 Price Multiples

SFNC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SFNC is cheaper than 90.78% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.44
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y2.41%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.75%, SFNC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.78, SFNC pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, SFNC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.75%

5.2 History

The dividend of SFNC has a limited annual growth rate of 5.79%.

SFNC has been paying a dividend for at least 10 years, so it has a reliable track record.

SFNC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)5.79%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

57.69% of the earnings are spent on dividend by SFNC. This is a bit on the high side, but may be sustainable.

The dividend of SFNC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP57.69%

EPS Next 2Y2.41%

EPS Next 3YN/A

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SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (5/3/2024, 7:17:58 PM)

After market: 17.98 0 (0%)

17.98

+0.28 (+1.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap2.25B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.75%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

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EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

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Revenue beat(8)

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Revenue beat(12)

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Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	11.31
Fwd PE	12.9
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.64%
ROE	5.11%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	21.72%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-33.47%

EPS 3Y-11.71%

EPS 5Y

EPS growth Q2Q

EPS Next Y-12.33%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-9.21%

Revenue growth 3Y-2.88%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

SIMMONS FIRST NATL CORP-CL A (SFNC)

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