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Simmons First National Corporation(SFNC)
Today’s top pick 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SFNC
11/13/2026: SFNC (4-star) is a STRONG-BUY. BUY for 11 days. Simulated Profits (1.25%). Updated daily EoD!
Simmons First National Corporation is a regional financial holding company operating primarily in the Mid-South, providing comprehensive banking and wealth management services. The company has historically grown by successfully integrating smaller regional banks, creating a stable deposit base and diversified fee income. Its main growth opportunity lies in further regional consolidation and digital banking optimization, which aims to improve operational efficiency. Key risks include sensitivity to interest rate fluctuations, regional economic volatility, and intensifying competition from larger financial institutions. The stock may best suit dividend-oriented and value-focused investors who value long-term stability over aggressive growth, though monitoring interest rate and credit risk trends is essential for tracking performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company relies on cyclical regional growth rather than rapid, disruptive expansion. |
| Momentum investor | Mixed fit | Stock performance is often tied to interest rate cycles rather than rapid, non-linear momentum, making it conditional on broader market upturns. |
| Value investor | Strong fit | Regional banks often trade at moderate price-to-earnings ratios, fitting a value-oriented approach. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, banking stocks are subject to sector-wide volatility and economic sensitivity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and economic outlooks. |
| Valuation risk | Medium | Changes in interest rate environments can lead to significant repricing of bank assets. |
| Competition risk (banking) | Medium / high | Competition from larger regional banks and digital challengers pressures margins. |
| Business quality | Medium | The company maintains a stable but regional business model. |
| Dividend income | Low | The dividend remains a stable component of the investment thesis. |
| Execution risk | Medium | Successful integration of acquisitions is vital to long-term profitability. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.38B USD | Price to earnings Ratio 12.16 | 1Y Target Price 26.07 |
Price to earnings Ratio 12.16 | 1Y Target Price 26.07 | ||
Volume (30-day avg) 1.8M shares | Beta 0.95 | 52 Weeks Range 16.51 - 24.50 | Updated Date 11/13/2026 |
52 Weeks Range 16.51 - 24.50 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 3.67% | Basic EPS (TTM) 1.93 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 32.93% | Avg. Invested days 58 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money by lending at higher rates than it pays to depositors. |
| Non-Interest Income | Service charges, trust fees, wealth management commissions, and mortgage banking income. | Revenue from fees and services provides a secondary stream that helps diversify the bank's income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When After Market | Estimate 0.53 | Actual 0.54 |
Profitability
Profit Margin 27.98% | Operating Margin (TTM) 36.68% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 7.77% |
Valuation
Trailing PE 12.16 | Forward PE 9.52 | Enterprise Value 4.42B | Price to Sales(TTM) 3.63 |
Enterprise Value 4.42B | Price to Sales(TTM) 3.63 | ||
Enterprise Value to Revenue 5.16 | Enterprise Value to EBITDA - | Shares Outstanding 144.21M | Shares Floating 142.22M |
Shares Outstanding 144.21M | Shares Floating 142.22M | ||
Percent Insiders 1.22 | Percent Institutions 83.91 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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