Simmons First National Corporation (SFNC)
OvervaluedFundamental
49
Price
$23.31
Market Cap
$3.31B
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
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
$18.66
Current Price
$23.31
Margin of Safety
-24.9%
Fair Value Range
$13.73 - $23.59
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
12.65
ROE
-11.6%
P/B Ratio
0.97
P/FCF
6.99
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (7)
- P/FCF 6.99
- P/B ratio 0.97
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- ROE 7.6%
- Revenue growth 5Y 16.9%
Failed (9)
- EPS shows upward trend
- Price CAGR -3.01%
- Debt/equity ratio
- Return on tangible assets
- DCF valuation (Overvalued)
- Earnings surprise, average 0.6%
- Share dilution 6.8%
- Net margin trend -206.3% vs 19.9%
- Piotroski F-Score 3/9
Unavailable (10)
- ROIC –
- Gross margin –
- Dividend payout –
- Operating margin –
- Current ratio
- Interest coverage
- Debt/EBITDA
- Price below Graham Number
- PEG ratio (needs P/E > 0 and growth > 0)
- Earnings quality (operating cash flow / net income)
Piotroski F-Score
Serious financial concerns
Earnings Quality
Low quality: investigate accounting
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
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. Jennifer Brynn Compton | Executive VP & Chief People Officer | 52 |
| Ms. Tina M. Groves | EVP & Chief Risk Officer | 55 |
| Mr. Jonathan Schneider | EVP & President of Commercial Banking | 45 |
| Mr. Brian Jackson | Executive VP and President of Consumer & Wealth Management | 44 |
Audit Risk
8
Board Risk
3
Compensation Risk
6
Shareholder Rights Risk
2
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-25
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-15
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much SFNC moves, measured on its daily prices.
More volatile than 4% of the tracked stocks (90-day volatility).
- Volatility 30d
- 17.0%
- Volatility 90d
- 18.5%
- Beta vs S&P 500 (1y)
- 0.60Correlation 0.30
- Max drawdown (12m)
- -14.9%
- ATR (14d, % of price)
- 2.09%
Earnings reactions
How SFNC moved around its past quarterly results.
Next earnings release
No upcoming release on the calendar.
What usually happens
- Over the last 12 releases the stock moved a median of 1.9% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 15, 2026 | After the close | 0.53 | 0.54 | +1.3% | 0.0% | -0.9% | +4.8% |
| Jul 16, 2026 | After the close | 0.53 | 0.50 | -5.7% | -4.6% | -1.3% | -1.0% |
| Apr 16, 2026 | After the close | 0.48 | 0.47 | -1.8% | +0.1% | +5.2% | +4.5% |
| Jan 20, 2026 | After the close | 0.49 | 0.54 | +10.5% | +3.4% | +8.9% | +4.8% |
| Oct 16, 2025 | After the close | 0.48 | 0.46 | -4.8% | -1.2% | +1.5% | -1.3% |
| Jul 17, 2025 | After the close | n/a | n/a | n/a | +2.0% | +1.9% | -0.2% |
| Apr 16, 2025 | After the close | n/a | n/a | n/a | -4.7% | -4.0% | +3.1% |
| Jan 21, 2025 | After the close | n/a | n/a | n/a | -0.7% | -1.9% | +0.2% |
| Oct 18, 2024 | During the session | n/a | n/a | n/a | -4.0% | -0.1% | +0.6% |
| Jul 24, 2024 | During the session | n/a | n/a | n/a | 0.0% | -1.9% | -0.2% |
| Apr 24, 2024 | During the session | n/a | n/a | n/a | -4.3% | -3.1% | -9.1% |
| Jan 24, 2024 | During the session | n/a | n/a | n/a | +1.8% | +5.6% | +4.8% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on SFNC and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for SFNC.