Pricing Log in Create free account
Friday 6 November 2026 Export SFNC’s income statement to Excel — free account

Simmons First National Corporation

SFNC Financial Banks Regional

Simmons First National Corporation’s revenue for fiscal 2025 (year ended December 2025) was $627.8 million, down 57.0% from fiscal 2024.

Revenue
+180.5%
EPS
+108.2%
Free cash flow
+89.3%
Total debt
+149.7%

Quarter to September 2026, against a year earlier

23.25 0.39 −1.65%
Market cap
$3.4B
P/E
12.9×
Fwd P/E
12.8×
Dividend yield
3.69%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.12%

Capital & Financial Ratios $m

Size
Market Cap 3,360.00
Revenue ttm 1,417.10
Net income ttm (349.48)
Free cash flow ttm 493.17
Net debt Q 901.14
Valuation
P/E 12.92
Forward P/E 12.80
Price / sales 2.34
Forward P/S Powerpack
Price / FCF 6.73
Price / book 0.99
Financial health
Current ratio Q 0.95
Debt / equity Q 0.50
Interest coverage Q —
Growth
Revenue growth Q +180.46% (above 0%: growing)
Operating income growth Q +107.87% (above 0%: growing)
EPS, this year +20.15% (at or above 15%: strong)
EPS, next year A +10.86%
Revenue, next year A +59.59% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +12.75%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 49.31%
10-year low 10-year high
P/S against its own 10 years 32.09%
10-year low 10-year high
P/B against its own 10 years 61.31%
10-year low 10-year high

Dividends raised every year since 2017

Yield
3.69%
Annual rate
0.86
Payout ratio
47.9%
Growth, 2017–25
+6.86%/yr
  1. 0.50 ’17
  2. 0.60 ’18 +20
  3. 0.64 ’19 +7
  4. 0.68 ’20 +6
  5. 0.72 ’21 +6
  6. 0.76 ’22 +6
  7. 0.80 ’23 +5
  8. 0.84 ’24 +5
  9. 0.85 ’25 +1
  10. 0.86 ’26e +1
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 614 687 724 766
Receivables — — — —
Inventory — — — —
Other — — — —
17,366 17,593 18,113 18,116
2023 2024 2025 Q'26
Payables 22,245 21,886 20,184 18,616
ST’ Debt — — — —
Other — — — —
22,581 22,236 20,502 19,057

Compound Annual Growth %

10y 5y 3y
Sales 4.73% (8.88%) (15.26%)
Cash Flow 18.21% 17.29% 11.74%
Earnings 0.00% 0.00% 0.00%
Book Value 12.25% 2.81% 1.51%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.53 Actual 0.54

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.49 0.54 Beat by 0.05
Q1 FY26 0.47 0.47 Met by 0.00
Q2 FY26 0.53 0.50 Miss by 0.03
Q3 FY26 0.53 0.54 Beat by 0.01
Q4 FY26 0.56 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.47 0.46 0.32 — —
’25 0.26 0.43 (4.00) 0.54 (2.95)
’24 0.31 0.32 0.20 0.38 1.21
’23 0.36 0.46 0.37 0.19 1.38
’22 0.58 0.21 0.63 0.65 2.06
’21 0.62 0.69 0.74 0.42 2.46
’20 0.68 0.54 0.60 0.49 2.31
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 346 356 356 — —
’25 354 357 (443) 359 628
’24 366 372 351 370 1,459
’23 325 342 353 345 1,366
’22 204 245 274 309 1,032
’21 219 214 212 217 863
’20 292 240 249 218 999
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 40 145 — — —
’25 33 78 223 116 450
’24 58 86 199 83 426
’23 99 60 (38) 421 541
’22 61 117 48 96 322
’21 76 101 44 58 278
’20 104 (17) (11) 126 203
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 34 126 — — —
’25 23 66 217 117 423
’24 48 73 188 72 380
’23 88 52 (46) 414 508
’22 53 107 40 86 287
’21 75 101 13 47 236
’20 93 (26) (13) 136 190
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 440 534 825 981 999 863 1,032 1,366 1,459 628 1,417 +4.0% 1,002 1,032 1,082 +19.9%
Gross margin, % 95.05 92.49 84.46 81.51 88.00 90.78 86.00 58.99 53.15 16.44 69.87 (78.6) pt
EBT 143 155 266 302 320 332 307 201 171 (528) 320 n/m
EBT margin, % 32.57 29.02 32.27 30.83 32.00 38.53 29.71 14.69 11.74 (84.04) 22.61 (116.6) pt
Net income 97 93 216 238 255 271 256 175 153 (398) (349) n/m
Per share, $
Per share, $ Revenue 7.19 7.69 8.94 9.97 9.10 7.87 8.32 10.81 11.63 4.68 9.93 (4.7%)
Earnings 1.58 1.33 2.34 2.41 2.31 2.46 2.06 1.38 1.21 (2.95) 1.80 n/m
Cash flow 1.49 1.65 2.46 2.60 1.84 2.54 2.60 4.28 3.39 3.35 0.00 +9.4%
Capex (0.28) (0.44) (0.32) (0.69) (0.12) (0.39) (0.28) (0.26) (0.36) (0.20) 0.00 (3.7%)
Free cash flow 1.21 1.21 2.14 1.91 1.73 2.15 2.31 4.02 3.03 3.15 0.00 +11.3%
Book value 18.78 30.04 24.35 30.39 27.10 29.65 26.37 27.12 28.12 25.47 23.46 +3.4%
Shares, m 61 69 92 98 110 110 124 126 125 134 142 +9.1%
Valuation, ×
Valuation, × P/E 19.89 20.75 10.36 10.98 9.35 11.98 10.37 14.23 18.33 0.00 12.92 12.6
P/S 4.36 3.72 2.70 2.69 2.37 3.76 2.59 1.83 1.91 4.03 2.34 3.0
P/B 1.67 0.95 0.99 0.88 0.80 1.00 0.82 0.73 0.79 0.74 0.99 0.9
EV/Sales 4.46 5.44 3.74 3.38 0.62 3.84 3.12 2.36 2.20 3.87 — 3.3
EV/FCF 26.58 34.67 15.65 17.63 3.29 14.06 11.21 6.35 8.43 5.74 — 14.4
Cash, $m
Cash, $m Operating cash flow 91 115 227 256 203 278 322 541 426 450 524 +19.4%
Capex (17) (31) (30) (68) (13) (42) (35) (33) (46) (27) (31) +5.1%
Free cash flow 74 84 197 188 190 236 287 508 380 423 493 +21.4%
Balance, $m
Balance, $m Working capital (973) 114 (16) (945) (1,157) (6,185) (6,232) (5,214) (4,642) (2,389) (941) +10.5%
Net debt 43 919 861 685 (1,749) 70 542 724 424 (104) 901 n/m
Shareholders’ equity 1,151 2,085 2,246 2,989 2,977 3,249 3,269 3,426 3,529 3,419 3,350 +12.9%
Returns, %
Returns, % ROA 1.21 0.79 1.37 1.26 1.17 1.15 0.98 0.64 0.56 (1.55) 1.08 (2.8) pt
ROIC 7.76 3.68 5.45 5.76 16.51 6.56 5.40 3.04 2.71 (9.95) 4.71 (17.7) pt
ROE 8.81 5.74 9.96 9.09 8.55 8.71 7.87 5.23 4.39 (11.44) 7.77 (20.2) pt
People
People Employees 1,875 2,640 2,654 3,270 2,923 2,877 3,202 3,007 2,946 2,917 — +5.0%
Revenue/emp, $m 0.23 0.20 0.31 0.30 0.34 0.30 0.32 0.45 0.50 0.22 — (1.0%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Simmons First National Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NIC Nicolet Bankshares Inc. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00%
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
Median of peers $3.4B 13.3× 14.1× +27.03% +9.87% +6.98% 77.90% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 April 2026

Ownership

Directors and executive officers, together 0.77%
BlackRock, Inc.[c] 12.44%
The Vanguard Group[d] 10.48%
State Street Corporation[e] One Congress Street, Suite 5.22%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Simmons First National Corporation (SFNC) Latest News

19 Oct

Impact 4 · · The Motley Fool
Impact 3 · · StockStory
Impact 3 · · Simply Wall St.

18 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

16 Oct

Impact 4 · · StockStory
Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 4 · · Moby

15 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks

13 Oct

Impact 3 · · StockStory

12 Oct

Impact 3 · · Zacks

9 Oct

Impact 3 · · Zacks

8 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · StockStory

22 Sep

Impact 3 · · PR Newswire
Impact 3 · · Zacks

21 Sep

Impact 3 · · StockStory

17 Jul

Impact 3 · transcript
Impact 3 ·
Impact 3 · · MarketBeat
Impact 3 · · Moby

16 Jul

Impact 4 ·
Impact 3 ·
Impact 3 ·
Impact 3 ·

8 Jul

Impact 3 ·

21 Apr

Impact 4 · · The Motley Fool transcript

SFNC metrics, ten years each

stockrow.com/SFNC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com