Simmons First National Corp (SFNC)

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.

Ticker: SFNC
Exchange: Nasdaq
Sector: Financial Services
Industry: Banks - Regional
Market cap: $3.37B
52-week range: $17.21 - $24.50

Valuation

Share price: $23.34 (close of Nov 6, 2026)
P/E (TTM): 12.98x
Price to book: 1.01x
Price to free cash flow: 10.41x
Enterprise value: $4.28B
Book value per share: $23.18

Price performance

Period	Change
1 day	+0.47%
5 days	+0.73%
1 month	+3.32%
3 months	-0.89%
6 months	+8.11%
Year to date	+23.82%
1 year	+33.75%
3 years	+50.19%
5 years	-27.33%
10 years	-4.07%
All time	+803.48%

Short interest

As of: Oct 15, 2026
Short % of float: 5.42%
Shares short: 5.97M
Days to cover: 3.28
Change since prior report: -7.26%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: -11.63%
Return on assets: -1.62%
Net margin: -385.10%
Revenue growth: -86.69%
Free cash flow growth: 8.14%

Cash flow and balance sheet

Free cash flow yield (TTM): 9.60%
Net debt to EBITDA: 1.15x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $103.23M
Net income: -$397.55M
Earnings per share: $-2.96
Interest expense: $524.61M
Shares outstanding: 134.25M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$103.23M	-$397.55M	-$2.96
2024-12-31	$775.64M	$152.69M	$1.22
2023-12-31	$805.69M	$175.06M	$1.39
2022-12-31	$887.38M	$256.41M	$2.07
2021-12-31	$783.35M	$271.16M	$2.47
2020-12-31	$879.50M	$254.90M	$2.32
2019-12-31	$799.63M	$238.17M	$2.42
2018-12-31	$696.45M	$215.71M	$2.34
2017-12-31	$493.69M	$92.94M	$1.34
2016-12-31	$418.59M	$96.81M	$1.58

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	-385.10%	-11.63%
2024-12-31	19.69%	4.33%
2023-12-31	21.73%	5.11%
2022-12-31	28.90%	7.84%
2021-12-31	34.62%	8.35%
2020-12-31	28.98%	8.56%
2019-12-31	29.78%	7.97%
2018-12-31	30.97%	9.60%
2017-12-31	18.83%	4.46%
2016-12-31	23.13%	8.41%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$711.91M	$334.97M
2024-12-31	$687.38M	$386.67M
2023-12-31	$614.09M	$388.51M
2022-12-31	$682.12M	$390.29M
2021-12-31	$1.65B	$1.72B
2020-12-31	$3.47B	$1.72B
2019-12-31	$1.16B	$435.86M
2018-12-31	$833.46M	$369.40M
2017-12-31	$598.04M	$218.59M
2016-12-31	$285.66M	$333.56M

Free cash flow by year

Period end	Free cash flow	Stock-based compensation
2025-12-31	$411.36M	$10.76M
2024-12-31	$380.42M	$11.29M
2023-12-31	$507.89M	$12.19M
2022-12-31	$286.93M	$15.32M
2021-12-31	$229.92M	$15.87M
2020-12-31	$189.27M	$13.20M
2019-12-31	$188.25M	$12.92M
2018-12-31	$197.24M	$9.72M
2017-12-31	$80.35M	$10.68M
2016-12-31	$72.24M	$3.42M

Dividend history

Most recent payment: Sep 15, 2026
Paid in the last twelve months: $0.86

Payment date	Dividend per share
2026-09-15	$0.21
2026-06-15	$0.21
2026-03-13	$0.21
2025-12-15	$0.21
2025-09-15	$0.21
2025-06-13	$0.21
2025-03-14	$0.21
2024-12-13	$0.21

Investor relations

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-10-15	Sep 2026	$0.53
2026-07-16	Jun 2026	$0.53
2026-04-16	Mar 2026	$0.47
2026-01-20	Dec 2025	$0.49
2025-10-16	Sep 2025	$0.48
2025-07-17	Jun 2025	$0.40
2025-04-16	Mar 2025	$0.36
2025-01-21	Dec 2024	$0.35

Filings and sources

Company website: simmonsbank.com
SEC filings: 10-K, 10-Q and 8-K on EDGAR
Earnings calendar: All upcoming reports

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