Simmons First National Corporat (SFNC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Simmons First National Corporat

NasdaqGS•Financial Services•Banks - Regional

$22.81-0.39(-0.02%)Pre-market

Market Cap

$3.31B

P/S

5.4x

P/B

1.0x

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 deposits, checking, and savings accounts; loan products, such as consumer, real estate, commercial, agricultural, equipment, warehouse lending, and SBA lending; specialized products and services, including credit cards, trust and fiduciary services, investments, and insurance; and treasury management services. It also provides ATM services; internet and mobile banking platforms; overdraft facilities; safe deposit boxes; and brokerage services. 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.

How this company scores

AverageMetricSide Score: 52/100

Strongest: Cash & Earnings Quality (25/25); weakest: Growth (0/25).

Profitability6/25

Growth0/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowLow leverageCash-backed earningsConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.9x5y range 8.4x – 21.1x

Currently near its 16-quarter median.

P/S · 5.4x5y range 1.5x – 5.4x

Currently above its 20-quarter median.

P/B · 1.0x5y range 0.6x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Revenue Decline

Red Flag

TTM revenue has contracted 56.6% — significant decline indicating deteriorating demand.

Price & Volume

Market Cap $3.31B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $618.11M
Q. Revenue: $355.62M
TTM EBITDA: $-460.04M
TTM Op. Income: $-460.04M
Q. Op. Income: $83.39M
TTM Net Income: $-349.48M
Q. Net Income: $66.69M
EPS: $0.46
Shares Out.: $144.88M

$618.11M in TTM revenue declined 56.8% YoY, reaching $355.62M last quarter. TTM EBITDA of $-460.04M and TTM operating income of $-460.04M show growth is flowing through to the bottom line. However, net income is negative at $349.48M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 6 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 23.5%
Op. Margin: 23.5%
Net Margin: 18.8%

Op. margin of 23.5% is up 5.6% YoY — cost efficiency is improving. Net margin at 18.8% Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 5.4x
P/B Ratio: 1.0x

P/S of 5.4x and P/B of 1.0x. Across the last 4 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $24.78B
Cash: $589.48M
Long-Term Debt: $328.28M
Book Value: $3.48B
D/E Ratio: 0.1
Debt/EBITDA: 3.9

With $24.78B in assets and $328.28M in long-term debt, D/E is 0.1and book value is $3.48B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $144.55M
TTM Free Cash Flow: $481.97M
FCF Margin: 78.0%
FCF / Net Income: -1.4

TTM FCF of $481.97M on $144.55M in operating cash flow. The FCF / Net Income ratio of -1.4x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.