📊 SFNC Key Takeaways
Is Simmons First National Corp. (SFNC) a Good Investment?
SFNC exhibits severe operational distress with a $397.6M net loss and negative ROE/ROA despite 72.9% revenue growth, indicating substantial non-cash charges or integration costs likely masking operational viability. While strong free cash flow ($411.4M) and moderate leverage (0.18x) provide some financial stability, the current destruction of shareholder value and inability to demonstrate profitability poses unacceptable risk without clarity on the loss drivers and recovery timeline.
Why Buy Simmons First National Corp. Stock? SFNC Key Strengths
- Exceptional free cash flow generation at $411.4M with 33.1% FCF margin, demonstrating underlying operational cash generation capacity
- Conservative balance sheet with 0.18x debt-to-equity and $711.9M in liquid assets, limiting financial distress risk
- Substantial asset base of $24.5B provides scale and diversification in regional banking operations
SFNC Stock Risks: Simmons First National Corp. Investment Risks
- Massive net loss of $397.6M and deeply negative ROE (-11.6%) and ROA (-1.6%) indicate severe shareholder value destruction with unclear recovery timeline
- Significant disconnect between revenue growth and profitability suggests substantial charge-offs, loan loss provisions, or acquisition integration costs that require further investigation
- Elevated insider trading activity (35 Form 4 filings in 90 days) may indicate either management confidence or distress-related transactions
Key Metrics to Watch
- Net income recovery trajectory and return to profitability with visible path to positive ROE
- Loan loss provision trends and credit quality metrics to identify root cause of current losses
- Operating efficiency ratio and net interest margin sustainability relative to peer banking institutions
Simmons First National Corp. (SFNC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 33.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. 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 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SFNC's key strengths?
Claude: Exceptional free cash flow generation at $411.4M with 33.1% FCF margin, demonstrating underlying operational cash generation capacity. Conservative balance sheet with 0.18x debt-to-equity and $711.9M in liquid assets, limiting financial distress risk.
What are the risks of investing in SFNC?
Claude: Massive net loss of $397.6M and deeply negative ROE (-11.6%) and ROA (-1.6%) indicate severe shareholder value destruction with unclear recovery timeline. Significant disconnect between revenue growth and profitability suggests substantial charge-offs, loan loss provisions, or acquisition integration costs that require further investigation.
What is SFNC's revenue and growth?
Simmons First National Corp. reported revenue of $1.2B.
Does SFNC pay dividends?
Simmons First National Corp. pays dividends, with $115.0M 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 $-2.95.
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 April 2026, Simmons First National Corp. has a SELL rating with 72% 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 -11.6% (sector avg: 12%), net margin of -32.0% (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 $449.5M, with capital expenditures of $38.1M. FCF margin is 33.1%.
How does SFNC compare to other Finance stocks?
Vs Finance sector averages: Net margin -32.0% (avg: 25%), ROE -11.6% (avg: 12%), current ratio N/A (avg: 1.2).