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SFNCSimmons First National Corporation
$22.75$3.3B
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SFNC logoSimmons First National Corporation(SFNC)Earnings, Financials & Key Ratios

SFNC•NASDAQ•Banking & Credit
$22.75
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutSimmons 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.Show more
  • Net Interest Income$719M+14.4%
  • Total Revenue$627M-56.7%
  • Net Income-$398M-360.4%
  • Return on Equity-11.44%-360.6%
  • Net Interest Margin2.93%+25.3%
  • Efficiency Ratio89.98%+139.0%
  • ROA-1.55%-374.6%
  • Equity / Assets13.93%+6.1%
  • Book Value per Share25.38-9.3%

SFNC Price & Volume

Simmons First National Corporation (SFNC) stock price & volume — 10-year historical chart

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Strategic Asset Realignment Masks Persistent Margin Compression

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Stable
Primary Risk:Asset quality and integration

Key Thesis Takeaways

  • Simmons First National Corporation is currently navigating a complex transition characterized by a significant balance sheet contraction, with total assets declining from $27.4 billion in 2024Q1 to $24.7 billion by 2026Q1.
  • While the bank has achieved a 20.6% year-over-year growth in net interest income as of 2026Q1, the persistent stagnation of the net interest margin at 0.8% suggests ongoing challenges in managing funding costs.
  • Investors should monitor the bank's ability to stabilize its efficiency ratio, which reached 46.6% in 2026Q1, as the institution continues to absorb the impact of historical non-recurring impairment events.

Verdict Logic

while the bank maintains a 3.7% dividend yield, the volatility in earnings quality and the 46.6% efficiency ratio in 2026Q1 warrant a cautious approach until operational stability is proven.

SFNC Growth Metrics

Simmons First National Corporation (SFNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.96%
5 Years-8.57%
3 Years-14.97%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-347.18%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-320.69%

Return on Capital

10 Years5.34%
5 Years3.34%
3 Years1.15%
Last Year-4.2%

SFNC Recent Earnings

Simmons First National Corporation (SFNC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 1/12 qtrs (9%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$0.47+0.0%
$0.47
Rev
$241M-0.7%
$243M
Q1 2026
Feb 25, 2026
Metric
Actual
Est
EPS
$0.54
—
Rev
$359M
—
Q1 2026
Jan 20, 2026
Metric
Actual
Est
EPS
$0.54+10.2%
$0.49
Rev
$249M+4.3%
$239M
Q4 2025
Oct 16, 2025
Metric
Actual
Est
EPS
$0.46-2.1%
$0.47
Rev
$446M-291.0%
$233M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$0.47vs $0.47+0.0%
$241Mvs $243M-0.7%
Q1 2026Feb 25, 2026
$0.54
$359M
Q1 2026Jan 20, 2026
$0.54vs $0.49+10.2%
$249Mvs $239M+4.3%
Q4 2025Oct 16, 2025
$0.46vs $0.47-2.1%
$446Mvs $233M-291.0%
Based on last 12 quarters of dataView full earnings history →

Latest SFNC News

Recent stock market news and headlines for Simmons First National Corporation (SFNC)

PRNewsWire·Jun 29, 2026
Simmons First National Corporation Announces Second Quarter 2026 Earnings Release Date and Conference Call

PINE BLUFF, Ark., June 29, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) today announced it is scheduled to release second quarter 2026 earnings after the market closing on Thursday, July 16, 2026.

Peers Comparison

Key metrics vs top competitors for Simmons First National Corporation (SFNC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SFNC logoSFNCSimmons First National CorporationCurrent
$22.75$3.3B-7.71-56.66%-63.43%-11.44%3.75%
HOMB logoHOMBHome Bancshares, Inc.
$28.66$5.77B11.89-5.35%34.84%11.29%—
RNST logoRNSTRenasant Corporation
$42.48$3.92B20.5239.12%15.44%5.94%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
CADE logoCADECadence Bank
$42.11$7.85B15.2032.37%18.65%9.11%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—

Compare SFNC vs Peers

Simmons First National Corporation (SFNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HOMB

Most directly comparable listed peer for SFNC.

Scale Benchmark

vs V

Larger-name benchmark to compare SFNC against a more recognizable public peer.

Peer Set

Compare Top 5

vs HOMB, RNST, FFIN, CADE

SFNC SEC Filings & Documents

Simmons First National Corporation (SFNC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 13, 2026·SEC

Material company update

Apr 16, 2026·SEC

Material company update

Mar 3, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 6, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 5, 2025·SEC

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SFNC Frequently Asked Questions

Simmons First National Corporation (SFNC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Simmons First National Corporation growing?

Simmons First National Corporation (SFNC) saw revenue decline by 56.7% over the past year.

Is SFNC profitable?

Simmons First National Corporation (SFNC) reported a net loss of $361.4M for fiscal year 2025.

Dividend & Returns
Does SFNC pay dividends?

Yes, Simmons First National Corporation (SFNC) pays a dividend with a yield of 3.75%. This makes it attractive for income-focused investors.

What is SFNC's return on equity?

Simmons First National Corporation (SFNC) has a return on equity (ROE) of -11.4%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Simmons First National Corporation's net interest margin?

Simmons First National Corporation (SFNC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Simmons First National Corporation's efficiency ratio?

Simmons First National Corporation (SFNC) has an efficiency ratio of 90.0%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in SFNC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →