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Upturn AI SWOT - About
SFNC 
Simmons First National Corporation (SFNC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: SFNC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $22.8
1 Year Target Price $22.8
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.82% | Avg. Invested days 41 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.87B USD | Price to earnings Ratio 15.61 | 1Y Target Price 22.8 |
Price to earnings Ratio 15.61 | 1Y Target Price 22.8 | ||
Volume (30-day avg) 6 | Beta 0.96 | 52 Weeks Range 17.01 - 25.17 | Updated Date 08/15/2025 |
52 Weeks Range 17.01 - 25.17 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.22% | Basic EPS (TTM) 1.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.39 | Actual 0.44 |
Profitability
Profit Margin 21.57% | Operating Margin (TTM) 34.88% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 4.57% |
Valuation
Trailing PE 15.61 | Forward PE - | Enterprise Value 3278519808 | Price to Sales(TTM) 3.86 |
Enterprise Value 3278519808 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 4.91 | Enterprise Value to EBITDA - | Shares Outstanding 144700992 | Shares Floating 142366919 |
Shares Outstanding 144700992 | Shares Floating 142366919 | ||
Percent Insiders 1.32 | Percent Institutions 66.78 |
Upturn AI SWOT
Simmons First National Corporation
Company Overview
History and Background
Simmons First National Corporation was founded in 1903 in Pine Bluff, Arkansas. Initially, it was a small community bank. Over the years, it expanded through strategic acquisitions and organic growth to become a regional financial services company.
Core Business Areas
- Community Banking: Offers traditional banking services including checking and savings accounts, loans, and other financial products to individuals, small businesses, and commercial clients.
- Wealth Management: Provides trust, investment management, and other wealth management services to individuals and institutions.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various departments such as retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is not readily available, it's very fragmented. Competitors include large national banks like Bank of America (BAC) and Wells Fargo (WFC), and other regional players.
- Residential Mortgages: Offers mortgages to homebuyers. The market is highly competitive with many lenders. Competitors include Rocket Companies (RKT), PennyMac (PFSI), and other regional and national banks and mortgage companies.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include Bank of America (BAC), Wells Fargo (WFC), and regional players. No specific Market share is available for this particular product, as it is a standard banking offering
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies. The industry is also seeing consolidation through mergers and acquisitions.
Positioning
Simmons First National Corporation is a regional bank focused on community banking and wealth management. Its competitive advantages include its strong local presence, customer relationships, and conservative lending practices.
Total Addressable Market (TAM)
The TAM for regional banking and wealth management is substantial, estimated in the trillions of dollars. Simmons First National Corporation is positioned to capture a share of this market through its branch network and service offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Conservative lending practices
- Experienced management team
- Diverse revenue streams
Weaknesses
- Limited geographic reach compared to larger national banks
- Reliance on traditional banking model
- Potential for higher operating costs compared to fintech competitors
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into new geographic markets
- Developing new digital banking products and services
- Acquiring smaller banks and wealth management firms
- Growing wealth management business
- Increasing lending activity in underserved markets
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity threats
- Interest rate volatility
Competitors and Market Share
Key Competitors
- CMA
- BOKF
- OZK
- WSBC
Competitive Landscape
Simmons First National Corporation competes with a mix of national and regional banks and faces increasing competition from fintech companies. Its strengths include its local presence and customer relationships, while its weaknesses include its limited geographic reach compared to larger national banks.
Major Acquisitions
Reliant Bancorp
- Year: 2021
- Acquisition Price (USD millions): 580
- Strategic Rationale: Expanded Simmons' footprint into the attractive Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: Simmons First National Corporation has grown historically through acquisitions and organic growth in its existing markets.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and competitive landscape. Investors should consult analyst reports for estimates.
Recent Initiatives: Recent strategic initiatives may include branch expansions, digital banking enhancements, and acquisitions of smaller financial institutions. Specific details would be available in company press releases and investor presentations.
Summary
Simmons First National Corporation is a regional bank with a long history and a solid presence in its core markets. It faces competition from larger national banks and emerging fintech companies. The company's growth strategy focuses on organic expansion, strategic acquisitions, and investments in digital technology. Investors should monitor economic conditions and competitive pressures to assess the company's future performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Investors should conduct their own research before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Simmons First National Corporation
Exchange NASDAQ | Headquaters Pine Bluff, AR, United States | ||
IPO Launch date 1992-11-02 | CEO & Executive Chairman Mr. George A. Makris Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2947 | Website https://www.simmonsbank.com |
Full time employees 2947 | Website https://www.simmonsbank.com | ||
Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers checking, savings, time deposits, and corporate deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investments; treasury management, agency, and custodial services; and insurance products. It also provides ATM services; lines of credit; internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
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