Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
SFNC 
Simmons First National Corporation (SFNC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $21.6
1 Year Target Price $21.6
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.25% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.39B USD | Price to earnings Ratio 16.34 | 1Y Target Price 21.6 |
Price to earnings Ratio 16.34 | 1Y Target Price 21.6 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 16.33 - 25.17 | Updated Date 06/30/2025 |
52 Weeks Range 16.33 - 25.17 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.49% | Basic EPS (TTM) 1.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.12% | Operating Margin (TTM) 24.5% |
Management Effectiveness
Return on Assets (TTM) 0.54% | Return on Equity (TTM) 4.2% |
Valuation
Trailing PE 16.34 | Forward PE - | Enterprise Value 3036140032 | Price to Sales(TTM) 3.29 |
Enterprise Value 3036140032 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 4.68 | Enterprise Value to EBITDA - | Shares Outstanding 125952000 | Shares Floating 123748258 |
Shares Outstanding 125952000 | Shares Floating 123748258 | ||
Percent Insiders 1.45 | Percent Institutions 74.71 |
Analyst Ratings
Rating 3 | Target Price 21.6 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
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, evolving into a regional financial services company.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses of various sizes.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, trust, and financial planning services to high-net-worth individuals and institutions.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives responsible for overseeing the company's operations. The organizational structure is typical of a regional bank, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available; competitors include Regions Financial, Bank OZK, and other regional and national banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available; competitors include Regions Financial, Bank OZK, and other regional and national banks.
- Mortgage Loans: Loans to individuals for purchasing or refinancing real estate. Market share data is not publicly available; competitors include Regions Financial, Bank OZK, and other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, rising interest rates, and evolving regulatory requirements.
Positioning
Simmons First National Corporation is a regional bank with a strong presence in Arkansas and surrounding states. It competes with larger national banks and other regional players.
Total Addressable Market (TAM)
The TAM for regional banking services is substantial, measured in trillions of dollars. Simmons First National Corporation aims to grow its market share through organic expansion and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diverse product and service offerings
- Solid capital position
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on regional economy
- Potential for increased regulatory scrutiny
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased demand for wealth management services
- Technological innovation
Threats
- Rising interest rates
- Economic downturn
- Increased competition
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RF
- OZK
- HBAN
Competitive Landscape
Simmons First National Corporation faces competition from larger national banks and other regional players. Its competitive advantages include its strong regional presence and experienced management team.
Major Acquisitions
Reliant Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 580
- Strategic Rationale: Expanded presence in the Nashville, Tennessee market.
Landmark Community Bancorp, Inc.
- Year: 2016
- Acquisition Price (USD millions): 146.3
- Strategic Rationale: Increased presence in the Memphis, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: Simmons First National Corporation has grown steadily through acquisitions and organic expansion.
Future Projections: Future growth projections are based on analyst estimates and company guidance.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Simmons First National Corporation is a regional bank with a solid presence in the South Central United States. While it benefits from an experienced management team and diverse offerings, its limited geographic diversification and smaller scale compared to national players pose challenges. Strategic acquisitions and investments in technology are crucial for future growth, especially navigating through increasing competition and cybersecurity risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
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.
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 2949 | Website https://www.simmonsbank.com |
Full time employees 2949 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.