Simmons First National Corporation (SFNC)
NEUTRALFundamental
41
Price
$22.66
Market Cap
$3.33B
Part 1 · What the company is worth
Overview
Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers deposits, checking, and savings accounts; loan products, such as consumer, real estate, commercial, agricultural, equipment, warehouse lending, and SBA lending; specialized products and services, including credit cards, trust and fiduciary services, investments, and insurance; and treasury management services. It also provides ATM services; internet and mobile banking platforms; overdraft facilities; safe deposit boxes; and brokerage services. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$169M
Trailing 12 months (through 6/30/2026)
Net Income
$-349M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$411M
Total Equity
$3.42B
Total Liabilities
$21.12B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$18.48
Current Price
$22.66
Margin of Safety
-22.6%
Fair Value Range
$12.01 - $24.94
Estimation Methods
Valuation Metrics
P/E Ratio
-
ROE
-11.6%
P/B Ratio
0.95
P/FCF
6.89
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.3%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (7)
- P/FCF 6.89
- P/B Ratio 0.95
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Revenue Growth 5Y 16.9%
- Analyst Consensus 62% Buy
Failed (10)
- EPS shows upward trend
- Price CAGR -2.96%
- Debt/Equity ratio
- Return on Tangible Assets
- DCF valuation (Overvalued)
- ROE -10.2%
- Earnings Surprise avg -0.5%
- Share Dilution 6.8%
- Net Margin Trend -206.3% vs 19.9%
- Piotroski F-Score 3/9
Unavailable (10)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Price below Graham Number
- PEG Ratio (need PE > 0 and growth > 0)
- Earnings Quality (OCF/Net Income)
Piotroski F-Score
Serious financial concerns
Earnings Quality
Low quality: investigate accounting
Share Dilution
Issuing new shares, diluting ownership
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. James M. Brogdon CPA | President, CEO & Non-Independent Director | 44 |
| Mr. Charles Daniel Hobbs | Executive VP & CFO | 51 |
| Mr. Christopher J. Van Steenberg | Executive VP & COO | 54 |
| Mr. George A. Makris III | Executive VP, General Counsel & Corporate Secretary | 38 |
| Mr. Edward J. Bilek | Executive VP & Director of Investor and Media Relations | 58 |
| Ms. Elizabeth Machen | Executive Vice President of Marketing & Communications | 36 |
| Ms. Ann Marie Madea | Executive Vice President | 64 |
| Mr. Alejandro Carriles | Executive VP & Chief Digital Officer | 57 |
| Mr. Rodney Hawkins | EVP & Chief Audit Executive | 55 |
| Mr. Josh Herron | Executive VP & Chief Credit Officer | 46 |
Audit Risk
8
Board Risk
3
Compensation Risk
6
Shareholder Rights Risk
2
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for SFNC, sourced from Markets Gazette.