Full text
Earnings transcript
Read the complete earnings call transcript.
SFNC
Simmons First National Corporation
$21.97
0.26
(1.17%)
| Exchange: | NASDAQ |
| Market Cap: | 3.186B |
| Shares Outstanding: | 16.585M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | James Brogdon | |||||
| Full Time Employees: | 2949 | |||||
| Address: |
| |||||
| Website: | https://www.simmonsbank.com |
Simmons First National Corporation serves as the parent organization for Simmons Bank, delivering a broad spectrum of banking and financial solutions to both individual and business clients. Its offerings include various deposit accounts such as checking, savings, and time deposits. The bank also provides a diverse array of lending options, including consumer, real estate, and commercial loans, alongside specialized financing for agriculture, equipment, and small businesses via SBA initiatives. Beyond core banking, it furnishes trust and fiduciary services, credit cards, investment management, insurance products, and securities and investment services. Customers can also access modern conveniences like ATM services, online and mobile banking platforms, overdraft facilities, and safe deposit boxes. Established in 1903 and headquartered in Pine Bluff, Arkansas, the company operated a network of 199 branches across Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas as of January 27, 2022.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,341,580 | 1,446,350 | 626,798 |
| Gross Profit | 750,421 | 715,965 | 36,363 |
| EBITDA | 248,480 | 217,424 | -474,966 |
| Operating Income | 200,603 | 171,308 | -527,654 |
| Net Income | 175,057 | 152,693 | -397,553 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 27,345,674 | 26,876,049 | 24,540,877 |
| Total Liabilities | 23,919,186 | 23,347,177 | 21,121,637 |
| Total Stockholders Equity | 3,426,488 | 3,528,872 | 3,419,240 |
| Total Debt | 1,406,476 | 1,148,774 | 641,350 |
| Cash and Cash Equivalents | 614,192 | 687,477 | 380,439 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 540,979 | 425,924 | 449,503 |
| Capital Expenditure | -33,086 | -45,509 | 0 |
| Free Cash Flow | 507,893 | 380,415 | 449,503 |
| Net Income | 175,057 | 152,693 | -397,553 |
| Net Change in Cash | -68,030 | 73,285 | 24,536 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,101,239.794 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,101,239.798 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,101,239.796 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 82,426.735 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 82,426.735 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 82,426.735 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 321,805.425 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 334,782.733 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 328,744.081 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 378,398.719 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 378,398.720 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 378,398.719 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.440 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.480 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.390 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance in Q2 2025: According to the latest earnings call transcript, SFNC reported strong financial results for Q2 2025, with key metrics indicating robust revenue and net income growth. This performance underscores the company’s ability to execute its strategic initiatives effectively, as highlighted by management’s emphasis on exceeding expectations in core banking operations.
- Strategic Pricing and Credit Discipline: The earnings call summary notes that SFNC’s loan growth momentum is driven by strategic pricing and a disciplined approach to credit risk management. This positions the company favorably within the banking sector, enhancing profitability and reducing exposure to potential defaults.
- Focus on Talent and Technology: Management’s commitment to leveraging talent and technology, as discussed in the Q2 2025 earnings call, indicates a forward-looking approach to operational efficiency and customer service, which could sustain long-term growth and competitiveness.
Log in with Full Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SFNC intrinsic value between $42.18 – $44.02 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about SFNC valuation
Is Simmons First National Corporation (SFNC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Simmons First National Corporation (SFNC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SFNC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SFNC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SFNC’s P/E ratio?
You can see SFNC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SFNC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SFNC a good long-term investment?
Whether SFNC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SFNC
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.17
Trading Metrics:
| Open: | 21.87 | Previous Close: | 21.71 | |
| Day Low: | 21.69 | Day High: | 22 | |
| Year Low: | 17 | Year High: | 22.18 | |
| Price Avg 50: | 20.9 | Price Avg 200: | 19.8 | |
| Volume: | 1.074M | Average Volume: | 1.213M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's freeSFNC full analysis
Welcome to MARKETSNAP’s SWOT analysis for Simmons First National Corporation, ticker SFNC! If you’re a long-term investor looking to build wealth and grow your portfolio, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed. Let’s break it down with a full SWOT analysis, some key insights, and a long-term perspective to help you make informed decisions. Grab a coffee,…
