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.
- Symbol
- SFNC
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $3.25B
- 52 week range
- 17 - 24.32
Valuation
- Share price
- $22.89 (close of 2026-09-23)
- P/E (TTM)
- -8.27x
- Price to book
- 0.93x
- Price to free cash flow
- 6.74x
- Enterprise value
- $3.91B
- Book value per share
- $24.11
Price performance
| Period | Change |
|---|
| 1 day | +1.06% |
| 5 days | -1.34% |
| 1 month | -0.52% |
| 3 months | +1.82% |
| 6 months | +19.41% |
| Year to date | +21.43% |
| 1 year | +15.96% |
| 3 years | +39.15% |
| 5 years | -20.35% |
| 10 years | -7.66% |
| All time | +787.21% |
Profitability and growth
- Return on equity
- -11.63%
- Return on assets
- -1.62%
- Net margin
- -31.96%
- EBITDA margin
- 3.04%
- Revenue growth
- -5.20%
- Net income growth
- -360.36%
- Free cash flow growth
- 8.14%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 14.83%
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $1.24B
- EBITDA
- $37.76M
- 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 | $1.24B | $-397.55M | $-2.96 |
| 2024-12-31 | $1.31B | $152.69M | $1.22 |
| 2023-12-31 | $1.21B | $175.06M | $1.39 |
| 2022-12-31 | $861.74M | $256.41M | $2.07 |
| 2021-12-31 | $671.06M | $271.16M | $2.47 |
| 2020-12-31 | $759.72M | $254.90M | $2.32 |
| 2019-12-31 | $783.12M | $238.17M | $2.42 |
| 2018-12-31 | $676.83M | $215.71M | $2.34 |
| 2017-12-31 | $395.00M | $92.94M | $1.34 |
| 2016-12-31 | $301.00M | $96.81M | $1.58 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | -31.96% | -11.63% |
| 2024-12-31 | 11.64% | 4.33% |
| 2023-12-31 | 14.47% | 5.11% |
| 2022-12-31 | 29.76% | 7.84% |
| 2021-12-31 | 40.41% | 8.35% |
| 2020-12-31 | 33.55% | 8.56% |
| 2019-12-31 | 30.41% | 7.97% |
| 2018-12-31 | 31.87% | 9.60% |
| 2017-12-31 | 23.53% | 4.46% |
| 2016-12-31 | 32.16% | 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
- 2026-09-15
- 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
Next earnings report
- Next confirmed report
- 2026-10-15
- Consensus EPS estimate
- $0.54
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-16 | Jun/2026 | $0.53 |
| 2026-04-16 | - | - |
| 2026-01-20 | - | - |
| 2025-10-16 | - | - |
| 2025-07-17 | - | - |
| 2025-04-16 | - | - |
| 2025-01-21 | - | - |
| 2024-10-18 | - | - |
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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