📊 SFNC Key Takeaways
Is Simmons First National Corp. (SFNC) a Good Investment?
While revenue surged 72.9% YoY, earnings collapsed -360.4% and returns on capital are severely depressed (ROE 2.0%, ROA 0.3%), indicating operational deterioration and poor capital efficiency. Despite positive free cash flow and reasonable leverage metrics, the widening disconnect between revenue growth and profitability suggests significant asset quality, credit loss, or structural cost issues that warrant caution.
Why Buy Simmons First National Corp. Stock? SFNC Key Strengths
- Revenue growth of 72.9% YoY demonstrates top-line expansion
- Positive free cash flow of 34.0M with 11.3% FCF margin
- Conservative debt/equity ratio of 0.22x with adequate cash reserves
SFNC Stock Risks: Simmons First National Corp. Investment Risks
- Earnings declined 360.4% YoY despite revenue growth—severe operational deterioration
- Critically weak returns: ROE of 2.0% and ROA of 0.3% indicate poor asset productivity
- Net margin of 22.7% appears nominal given the capital base—suggests loan loss provisions or cost structure issues
Key Metrics to Watch
- Net interest margin and net interest income trend
- Non-performing loan ratio and loan loss provisions
- Cost-to-income ratio and operating efficiency metrics
- ROE and ROA trajectory in next quarters
- Asset quality indicators and charge-offs
Simmons First National Corp. (SFNC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SFNC Profit Margin, ROE & Profitability Analysis
SFNC vs Finance Sector: How Simmons First National Corp. Compares
How Simmons First National Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Simmons First National Corp. Stock Overvalued? SFNC Valuation Analysis 2026
Based on fundamental analysis, Simmons First National Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Simmons First National Corp. Balance Sheet: SFNC Debt, Cash & Liquidity
SFNC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Simmons First National Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.38 reflects profitable operations.
SFNC Revenue Growth, EPS Growth & YoY Performance
Simmons First National Corp. Dividends, Buybacks & Capital Allocation
SFNC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Simmons First National Corp. (CIK: 0000090498)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SFNC
What is the AI rating for SFNC?
Simmons First National Corp. (SFNC) has an AI rating of SELL with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SFNC's key strengths?
Claude: Revenue growth of 72.9% YoY demonstrates top-line expansion. Positive free cash flow of 34.0M with 11.3% FCF margin.
What are the risks of investing in SFNC?
Claude: Earnings declined 360.4% YoY despite revenue growth—severe operational deterioration. Critically weak returns: ROE of 2.0% and ROA of 0.3% indicate poor asset productivity.
What is SFNC's revenue and growth?
Simmons First National Corp. reported revenue of $301.8M.
Does SFNC pay dividends?
Simmons First National Corp. pays dividends, with $31.2M distributed to shareholders in the trailing twelve months.
Where can I find SFNC SEC filings?
Official SEC filings for Simmons First National Corp. (CIK: 0000090498) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SFNC's EPS?
Simmons First National Corp. has a diluted EPS of $0.47.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SFNC a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Simmons First National Corp. has a SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SFNC stock overvalued or undervalued?
Valuation metrics for SFNC: ROE of 2.0% (sector avg: 12%), net margin of 22.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy SFNC stock in 2026?
Our dual AI analysis gives Simmons First National Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SFNC's free cash flow?
Simmons First National Corp.'s operating cash flow is $40.3M, with capital expenditures of $6.3M. FCF margin is 11.3%.
How does SFNC compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.7% (avg: 25%), ROE 2.0% (avg: 12%), current ratio N/A (avg: 1.2).