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SFNC

BEARISH
$21.52 Live
Simmons First National Corporation · NASDAQ
Target $22.86 (+6.2%)
$17.0 52W Range $22.18

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 19, 2026
Market cap
$3.12B
P/E
N/A
ROE
-10.4%
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
3.99%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
The deterministic health baseline is critical, with a Piotroski F-Score of 1/9 indicating severe financial deterioration. Despite a recent price rally and strong YoY earnings growth, the company is reporting negative ROE (-10.37%) and ROA (-1.40%), suggesting fundamental instability. The stock trades at a discount to book value (P/B 0.91), which is a typical market reaction to the poor health metrics. The disconnect between the bullish analyst consensus and the failing deterministic scores suggests a high-risk profile.

Key Strengths

Trading below book value (P/B 0.91)
Strong YoY Revenue Growth (24.10%)
Significant YoY Earnings Growth (82.60%)
Consistent dividend yield of 3.99%
Positive short-term price momentum (1M Change +16%)

Key Risks

Critical financial health failure (Piotroski F-Score 1/9)
Negative Return on Equity (-10.37%)
Negative Return on Assets (-1.40%)
High PEG ratio (3.83) suggesting overvaluation relative to growth
Bearish technical trend score (10/100) despite recent price action
AI Fair Value Estimate
Based on comprehensive analysis
$19.5
-9.4% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
44
Moderate
Value
55
Future
65
Past
40
Health
10
Dividend
50
AI Verdict
Fundamental Distress
Key drivers: Piotroski F-Score, Negative ROE/ROA, P/B Ratio
Confidence
90%
Value
55/100

P/B 0.91 suggests the market is pricing in asset impairment or poor management.

Positives
  • P/B below 1.0
Watchpoints
  • High PEG ratio
  • Forward P/E lacks historical context
Future
65/100

Growth rates are high, but not translating to positive current ROE.

Positives
  • High YoY revenue and earnings growth
Watchpoints
  • Recent Q/Q EPS growth is negative (-13%)
Past
40/100

Long-term performance is lagging despite short-term spikes.

Positives
  • Strong 1Y and 6M price returns
Watchpoints
  • Negative 5Y change (-10.6%)
  • Poor earnings beat record (1/4 last 4 quarters)
Health
10/100

Piotroski score of 1/9 is a primary red flag for financial insolvency or severe decay.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 1/9
  • Negative ROA
  • Negative ROE
Dividend
50/100

Dividend is currently maintained but lacks fundamental support from earnings.

Positives
  • 3.99% yield
Watchpoints
  • Payout ratio (66.54%) is high given negative ROE

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$21.52
Analyst Target
$22.86
Upside/Downside
+6.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SFNC and closest competitors.

Updated 2026-04-17
SFN
Simmons First National Corporation
Primary
5Y
-10.6%
3Y
+51.1%
1Y
+29.3%
6M
+20.3%
1M
+16.0%
1W
+5.0%
BFH
Bread Financial Holdings, Inc.
Peer
5Y
+35.8%
3Y
+79.6%
1Y
+7.7%
6M
+9.5%
1M
-10.3%
1W
-6.7%
BAN
Banc of California, Inc.
Peer
5Y
+24.0%
3Y
+31.3%
1Y
+30.2%
6M
+33.3%
1M
+1.3%
1W
-4.2%
SBC
Seacoast Banking Corporation of Florida
Peer
5Y
+2.6%
3Y
+57.2%
1Y
+46.2%
6M
+13.3%
1M
+12.1%
1W
+1.1%
APA
Artisan Partners Asset Management Inc.
Peer
5Y
+22.7%
3Y
+53.3%
1Y
+5.4%
6M
-4.3%
1M
+3.2%
1W
-2.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
9.88
PEG Ratio
3.83
P/B Ratio
0.91
P/S Ratio
38.36
EV/Revenue
40.92
EV/EBITDA
N/A
Market Cap
$3.12B

Profitability

Profit margins and return metrics

Profit Margin N/A
Operating Margin 39.33%
Gross Margin N/A
ROE -10.37%
ROA -1.4%

Growth

Revenue and earnings growth rates

Revenue Growth +24.1%
Earnings Growth +82.6%
Q/Q Revenue Growth +21.31%
Q/Q Earnings Growth +111.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.88

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-16
$N/A
2026-04-16
$0.47
-0.3% surprise
2026-01-20
$0.54
+12.9% surprise
2025-10-16
$0.46
-2.1% surprise

Financial Services Sector Comparison

Comparing SFNC against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)
Return on Equity (ROE)
-10.37%
This Stock
vs
0.14%
Sector Avg
-7365.2% (Below Avg)
Revenue Growth
24.1%
This Stock
vs
40.4%
Sector Avg
-40.3% (Slower)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

LANIGAN SUSAN S
Director
Stock Award
2026-04-01
547 shares
CASTEEL MARTY D
Director
Stock Award
2026-04-01
1,215 shares
DORAMUS MARK C
Director
Stock Award
2026-04-01
1,033 shares
VAN STEENBERG CHRISTOPHER J
Chief Operating Officer
Stock Award
2026-03-04
1,729 shares
GROVES TINA M
Officer
Stock Award
2026-03-04
2,927 shares
COMPTON JENNIFER BRYNN
Officer
Stock Award
2026-03-04
1,771 shares
GARNER DAVID W
Officer
Stock Award
2026-03-04
1,225 shares
BROGDON JAMES M
Chief Executive Officer
Stock Award
2026-03-04
8,183 shares
YANEY STEWART BRADLEY
Officer
Stock Award
2026-03-04
1,275 shares
HOBBS CHARLES DANIEL
Chief Financial Officer
Stock Award
2026-03-04
3,548 shares
GROVES TINA M
Officer
Stock Award
2026-02-27
3,133 shares
COMPTON JENNIFER BRYNN
Officer
Stock Award
2026-02-27
1,986 shares
GARNER DAVID W
Officer
Stock Award
2026-02-27
1,374 shares
MAKRIS GEORGE A III
General Counsel
Stock Award
2026-02-27
2,130 shares
BROGDON JAMES M
Chief Executive Officer
Stock Award
2026-02-27
7,455 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-16

SFNC filed an 8-K on April 16, 2026, likely to announce its first-quarter financial results.

DEF 14A
DEF 14A
2026-04-08

SFNC filed a definitive proxy statement (DEF 14A) on April 8, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

8-K
8-K
2026-03-03

SFNC filed an 8-K on March 3, 2026, likely to announce its annual financial results for the preceding fiscal year.

10-K
FORM 10-K
2026-02-25

SFNC filed its annual Form 10-K on February 25, 2026, which includes standard disclosures regarding its business operations, financial condition, and risk factors. Because the provided excerpts consist only of the filing's table of contents, specific financial highlights and detailed risk metrics are not available.

8-K
8-K
2026-02-17

SFNC filed an 8-K on February 17, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K/A
8-K/A
2026-02-02

SFNC filed an amendment to a previously submitted Form 8-K.

8-K
8-K
2026-01-20
8-K
8-K
2025-12-23
8-K
8-K
2025-12-09
10-Q
FORM 10-Q
2025-11-06

SFNC filed its Form 10-Q on November 6, 2025, which includes a dedicated section on risk factors under Item 1A. Due to the limited content provided, specific financial highlights and detailed risk assessments are unavailable.

8-K
8-K
2025-10-16
8-K
8-K
2025-09-12
8-K
8-K
2025-09-09
8-K
8-K
2025-08-06
10-Q
10-Q
2025-08-05
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
7 analysts
DA Davidson
2026-04-17
Maintains
Neutral Neutral
Morgan Stanley
2026-03-31
Maintains
Equal-Weight Equal-Weight
Morgan Stanley
2026-01-22
Maintains
Equal-Weight Equal-Weight
DA Davidson
2026-01-22
Maintains
Neutral Neutral
Raymond James
2026-01-22
up
Market Perform Outperform
Baird
2025-11-19
up
Neutral Outperform

Past News Coverage

Recent headlines mentioning SFNC from our newsroom.

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