On the stock market since 1985, it operates in the world of money and finance. It has 2,909 employees. Now — the numbers.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
An average decline of 7% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
angles, checked one by one.
The 3 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are growing slowly.
The stock trades 29% below its peak. The market has trimmed its expectations for the company.
It pays out $0.86 per share each year — regular cash for whoever holds the stock.
A loss of $397.6M against $626.8M in annual sales. And on top of that, sales fell from the year before.
The growth engine is running at low revs right now. Report-card grade: 0/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 6/100.
On our five-subject report card, SFNC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: SFNC has solid sales but closed last year at a loss. The road back to profit runs through spending discipline.