Simmons First National Corporation (SFNC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Simmons First National Corporation (SFNC) trades at $22.98 with AI Score 36/100 (Grade D). Simmons First National Corporation operates as the holding company for Simmons Bank, providing a range of financial products and services. Market cap: $3.33B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 10, 2026SFNC stock analysis for 2026: Analysts have set a consensus price target of $22.33 for Simmons First National Corporation, suggesting 2.8% downside from the current price of $22.98. The AI MoonshotScore is 36/100, indicating a bearish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
SFNC: 2/3 scored disciplines lean bearish. Dominant signal: Growth Durability weak.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Simmons First National Corporation (SFNC) Financial Services Profile
Simmons First National Corporation, a regional bank holding company, provides diverse financial services including commercial lending, retail banking, and wealth management. Operating across the South Central U.S., Simmons Bank distinguishes itself through community-focused banking and a wide array of financial products, despite facing challenges in profitability.
What Is the Investment Thesis for SFNC?
Simmons First National Corporation presents a mixed investment thesis. The company's extensive regional presence and diverse service offerings provide a stable foundation, highlighted by a dividend yield of 4.01%. Growth catalysts include strategic expansion within its existing footprint and increased adoption of digital banking services. However, a concerning profit margin of -63.5% raises questions about operational efficiency and profitability. Investors should closely monitor the company's efforts to improve its financial performance and manage credit risk in a fluctuating economic environment. The beta of 0.90 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
SFNC Key Highlights
Simmons First National Corporation operates 199 financial centers across six states, indicating a strong regional presence.
- The company offers a dividend yield of 4.01%, providing an income stream for investors.
- Simmons First National Corporation has a market capitalization of $3.33B, reflecting its size and significance in the regional banking sector.
- The company's beta of 0.90 suggests lower volatility compared to the broader market.
- Simmons First National Corporation's profit margin is -63.5%, indicating potential challenges in profitability and operational efficiency.
Who Are SFNC's Competitors?
SFNC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOH Bank of Hawaii Corporation | $77.59 | -0.28% | $3.06B | 88 |
| PRK Park National Corporation | $202.14 | +0.22% | $3.66B | 66 |
| CVBF CVB Financial Corp. | $22.52 | -0.04% | $3.23B | 97 |
| PFS Provident Financial Services, Inc. | $23.70 | -3.11% | $3.09B | 92 |
| WSBC WesBanco, Inc. | $40.88 | -0.68% | $3.92B | 96 |
| TRMK Trustmark Corporation | $46.58 | +0.15% | $2.73B | 96 |
| NBTB NBT Bancorp Inc. | $51.88 | +0.25% | $2.70B | 96 |
| WSFS WSFS Financial Corporation | $79.90 | +0.11% | $4.16B | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SFNC's Key Strengths?
Extensive branch network across multiple states.
- Diverse range of financial products and services.
- Strong community banking focus.
- Established brand reputation.
What Are SFNC's Weaknesses?
Negative profit margin (-63.5%).
- Potential vulnerability to regional economic downturns.
- Reliance on traditional banking model in a rapidly evolving digital landscape.
- Limited international presence.
What Could Drive SFNC Stock Higher?
Continued expansion of digital banking services to attract and retain customers.
- Potential acquisitions of smaller banks to expand market presence.
- Focus on improving operational efficiency to enhance profitability.
- Strategic initiatives to grow wealth management and investment services.
What Are the Key Risks for SFNC?
Financial-distress signal — its Altman Z-Score of 0.28 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-10.2%) — the business is not currently generating profit on shareholder capital.
- Negative profit margin impacting financial performance.
- Economic downturns in the regions where Simmons operates.
- Increasing competition from larger national banks and fintech companies.
- Regulatory changes and compliance costs affecting profitability.
What Are the Growth Opportunities for SFNC?
- Expansion within Existing Markets: Simmons First National Corporation can deepen its market penetration within its current geographic footprint (Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas). By opening new branches in underserved areas and increasing marketing efforts, the bank can attract new customers and grow its deposit base. This strategy leverages the bank's existing infrastructure and brand recognition, offering a cost-effective growth opportunity. The regional banking market is projected to grow at 3-5% annually, providing a favorable environment for expansion.
- Digital Banking Adoption: Investing in and promoting digital banking solutions can significantly enhance customer experience and reduce operational costs. By offering a user-friendly mobile banking app and online platform, Simmons First National Corporation can attract younger, tech-savvy customers and improve customer retention. The digital banking market is expected to grow by 10-15% annually, driven by increasing smartphone penetration and demand for convenient banking services. This includes mobile deposits, online bill pay, and peer-to-peer payments.
- Wealth Management Services: Expanding its wealth management offerings can provide a significant revenue stream for Simmons First National Corporation. By offering personalized investment advice, retirement planning, and estate planning services, the bank can attract high-net-worth individuals and families. The wealth management market is projected to grow by 6-8% annually, driven by an aging population and increasing demand for financial planning services. This includes offering trust services and fiduciary services.
- Small Business Lending: Focusing on small business lending can drive loan growth and support local economies. By offering SBA loans and other financing options tailored to the needs of small businesses, Simmons First National Corporation can establish itself as a key partner for entrepreneurs. The small business lending market is expected to grow by 4-6% annually, driven by increasing entrepreneurship and demand for capital. This includes providing equipment financing and agricultural finance.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller banks or financial institutions can provide Simmons First National Corporation with access to new markets, customers, and product offerings. By carefully selecting acquisition targets that align with its strategic goals, the bank can accelerate its growth and enhance its competitive position. The M&A activity in the regional banking sector is expected to remain strong, providing opportunities for consolidation and expansion. This includes acquiring banks with complementary services or geographic footprints.
What Are SFNC's Competitive Advantages?
- Strong regional presence with a network of 199 financial centers.
- Established brand reputation and customer relationships.
- Diverse range of financial products and services.
- Community-focused banking approach.
What Does SFNC Do?
Founded in 1903 and headquartered in Pine Bluff, Arkansas, Simmons First National Corporation has evolved into a multi-state financial institution. As the holding company for Simmons Bank, it offers a comprehensive suite of banking and financial services tailored to individuals and businesses. These services include checking and savings accounts, various loan products (consumer, real estate, commercial, agricultural, and SBA), trust and fiduciary services, credit cards, and investment management. The bank also provides modern conveniences such as ATM access, internet and mobile banking platforms, overdraft facilities, and safe deposit boxes. With 199 financial centers spread across Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas as of January 2022, Simmons Bank maintains a strong regional presence. The company's strategy focuses on delivering personalized financial solutions while leveraging technology to enhance customer experience and operational efficiency. Simmons First National Corporation aims to be a trusted financial partner in the communities it serves, balancing traditional banking values with innovative services.
What Products and Services Does SFNC Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers consumer, real estate, and commercial loans.
- Provides agricultural finance, equipment, and small business administration (SBA) lending.
- Offers trust and fiduciary services.
- Provides credit cards and investment management products.
- Offers insurance products and securities and investment services.
- Provides ATM services and internet and mobile banking platforms.
- Offers overdraft facilities and safe deposit boxes.
How Does SFNC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as credit cards, investment management, and trust services.
- Gains revenue from deposit accounts and related services.
- Manages risk through underwriting and diversification of loan portfolio.
What Industry Does SFNC Operate In?
Simmons First National Corporation operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is experiencing a shift towards digital banking solutions and personalized customer service. Regulatory compliance and interest rate fluctuations significantly impact profitability. Simmons First National Corporation competes with other regional banks like Bank of Hawaii Corporation (BOH) and Park National Corporation (PRK), as well as national players, focusing on community banking and tailored financial products to maintain its market position.
Who Are SFNC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and financial services.
- Commercial clients needing commercial lending and treasury management.
- High-net-worth individuals seeking wealth management services.
Forward Outlook
Wall Street analysts project Simmons First National Corporation revenue of about $1.00B for fiscal 2026, with EPS near $2.04. The estimate reflects 5 contributing analysts.
Financial Health
Simmons First National Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.28 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Simmons First National Corporation stands at -10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.4%, showing how much profit it generates from its asset base. Its free cash flow yield is 13.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 76.98 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -10.1%, the inverse of the P/E and a quick read on earnings relative to price.
Simmons First National Corporation (SFNC) Valuation Context
Valued at $3.33B, SFNC is classified as a mid-cap stock. Relative to its peer group, SFNC's quantitative score of 36/100 is below the peer average of 88/100.
Company Profile
Simmons First National Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Pine Bluff, US. The company is led by CEO James Brogdon. SFNC has traded publicly since 1985.
SFNC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Simmons First's recent insider buying suggests confidence from those who know the company best. This often signals a belief in future growth.
- Community sentiment seems to be leaning positive, with many seeing SFNC as a stable regional bank in a volatile market.
- SFNC is perceived as a traditional bank, and such institutions may benefit if interest rates stay higher for longer.
- There's a sense that SFNC is undervalued compared to its peers, making it an attractive buy for long-term investors.
Bear Case
- Recent community discussions highlight concerns about SFNC's exposure to commercial real estate, mirroring worries seen with other regional banks.
- The overall market perception of regional banks remains cautious, and SFNC may be caught in the broader negative sentiment.
- While there's insider buying, some community members are questioning the timing, suggesting it might be a move to boost confidence rather than genuine optimism.
- Concerns exist about SFNC's ability to maintain profitability if the economic outlook worsens, reflecting broader fears about the banking sector's resilience.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SFNC Latest News
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Earnings Scheduled For July 16, 2026
benzinga · Jul 16, 2026
SFNC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SFNC.
Price Targets
Consensus target: $22.33
SFNC MoonshotScore
What does this score mean?
The MoonshotScore rates SFNC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James Brogdon
CEO
James Brogdon serves as the CEO of Simmons First National Corporation, leading the company's strategic direction and overseeing its operations. His career reflects extensive experience in the banking and financial services industry. With a background in finance and business administration, Brogdon has held various leadership positions within Simmons Bank, contributing to its growth and expansion. He is known for his focus on customer service, community engagement, and technological innovation.
Track Record: Under James Brogdon's leadership, Simmons First National Corporation has focused on expanding its digital banking capabilities and enhancing customer experience. He has overseen strategic initiatives aimed at improving operational efficiency and driving revenue growth. Key milestones include expanding the bank's presence in key markets and implementing new technologies to enhance service delivery. Brogdon has also emphasized community involvement and corporate social responsibility.
SFNC Financial Services Stock FAQ
What does the AI Score mean for SFNC?
SFNC holds an AI Score of 36/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. Simmons First National Corporation operates as the holding company for Simmons Bank, providing a range of financial products and services. The company operates through 199 financial centers across …
What does Simmons First National Corporation do?
Simmons First National Corporation, as the holding company for Simmons Bank, provides a comprehensive suite of banking and financial services to individuals and businesses. These services include deposit accounts, loans (consumer, commercial, and real estate), wealth management, and trust services.
What do analysts say about SFNC stock?
Analysts' perspectives on Simmons First National Corporation (SFNC) stock vary, reflecting the company's mixed financial performance. While the company's dividend yield of 4.01% is seen as a positive factor, the negative profit margin of -63.5% raises concerns about its operational efficiency. Growth considerations include the company's expansion in digital banking and potential acquisitions.
What are the main risks for SFNC?
Simmons First National Corporation faces several key risks. The negative profit margin of -63.5% poses a significant challenge to its financial sustainability. Economic downturns in its operating regions could impact loan performance and asset quality. Increasing competition from larger national banks and fintech companies threatens its market share. Regulatory changes and compliance costs could further strain profitability.
What are the key factors to evaluate for SFNC?
Simmons First National Corporation (SFNC) holds an AI score of 36/100 (low). Analysts target $22.33 (-3%). Simmons First National Corporation presents a mixed investment thesis. Not financial advice.
How frequently does SFNC data refresh on this page?
SFNC's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SFNC's recent stock price performance?
Simmons First National Corporation (SFNC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Extensive branch network across multiple states. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SFNC overvalued or undervalued right now?
Simmons First National Corporation (SFNC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Analysts target $22.33 (-3%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SFNC before investing?
Before investing in Simmons First National Corporation (SFNC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- Analyst opinions and market trends are subject to change.
- This analysis is for informational purposes only and does not constitute investment advice.