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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
10/15/2025: SFNC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution 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 -2.43% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.65B USD | Price to earnings Ratio 14.4 | 1Y Target Price 22.8 |
Price to earnings Ratio 14.4 | 1Y Target Price 22.8 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 16.83 - 24.90 | Updated Date 10/17/2025 |
52 Weeks Range 16.83 - 24.90 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.17% | Basic EPS (TTM) 1.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When After Market | Estimate 0.47 | Actual 0.46 |
Profitability
Profit Margin - | Operating Margin (TTM) 123.5% |
Management Effectiveness
Return on Assets (TTM) -1.66% | Return on Equity (TTM) -12.42% |
Valuation
Trailing PE 14.4 | Forward PE - | Enterprise Value 2602967040 | Price to Sales(TTM) 3.51 |
Enterprise Value 2602967040 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 4.76 | Enterprise Value to EBITDA - | Shares Outstanding 144700945 | Shares Floating 138070702 |
Shares Outstanding 144700945 | Shares Floating 138070702 | ||
Percent Insiders 1.33 | Percent Institutions 67.98 |
Upturn AI SWOT
Simmons First National Corporation
Company Overview
History and Background
Simmons First National Corporation was founded in 1903 in Pine Bluff, Arkansas. It has grown through organic expansion and acquisitions, becoming a regional financial services provider in the South Central U.S.
Core Business Areas
- Community Banking: Offers a range of traditional banking services, including deposit accounts, loans, and other financial products for individuals and businesses.
- Wealth Management: Provides wealth management and trust services to individuals, families, and institutions.
- Insurance Services: Offers insurance products to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is based on regional banking operations, with support from corporate functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide funding for business operations, expansion, and real estate projects. Market share data is not publicly available, but Simmons competes with other regional and national banks. Competitors include Bank of America, Regions Bank, and Arvest Bank. Simmons focuses on smaller markets where it may have a significant regional share.
- Mortgage Loans: Offers residential mortgage loans. Market share data is not publicly available at the product level. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
- Deposit Accounts: Provides checking, savings, and money market accounts for individual and business customers. Competes with national and regional banks, as well as online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, regulatory changes, and increasing competition from fintech companies.
Positioning
Simmons First National Corporation is positioned as a regional bank focused on providing personalized service to its customers. Its competitive advantage lies in its local market knowledge and relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the South Central U.S. is estimated to be in the hundreds of billions of dollars. Simmons is positioned to capture a portion of this market through its branch network and digital channels.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic reach compared to national banks
- Potential for higher operating costs due to branch network
- Dependence on regional economic conditions
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growth in wealth management business
- Increase of interest rates
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- Trustmark (TRMK)
- First Financial (FFIN)
Competitive Landscape
Simmons First National Corporation competes with other regional and national banks. Its advantages include its strong regional presence and personalized service. Its disadvantages include its limited geographic reach and dependence on regional economic conditions.
Major Acquisitions
Reliant Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 558
- Strategic Rationale: Expanded Simmons' footprint into the Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: Simmons First National Corporation has grown steadily over the past decade through organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings over the next few years, driven by organic growth and strategic acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Simmons First National Corporation is a stable regional bank with a strong presence in the South Central U.S. While it maintains a good capital base and dividend history, net income decreased in 2023. Simmons should continue focusing on its digital initiatives and strategic acquisitions to stay competitive in a changing market. Economic downturns remain a potential threat to the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Past performance is not indicative of future results. Market share data is estimated based on available resources. Consult with a financial advisor 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 & 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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