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Earnings transcript
Read the complete earnings call transcript.
SFNC
Simmons First National Corporation
$19.52
0.06
(0.31%)
| Exchange: | NASDAQ |
| Market Cap: | 2.828B |
| Shares Outstanding: | 16.585M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Charles Daniel Hobbs | |||||
| Full Time Employees: | 2949 | |||||
| Address: |
| |||||
| Website: | https://www.simmonsbank.com |
Simmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. It offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; insurance products; and securities and investment services. The company also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. As of January 27, 2022, the company operated through 199 financial centers in Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
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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) | 1,080,115.498 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,080,115.499 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,080,115.499 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 80,845.602 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 80,845.602 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 80,845.602 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 313,547.751 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 322,891.359 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 317,965.587 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 371,140.166 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 371,140.167 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 371,140.167 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.360 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.330 | 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 |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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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.
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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.
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
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0.31
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