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Simmons First National Corporation

Simmons First National Corporation

NASDAQ•SFNC
CEO: Mr. George A. Makris Jr.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1985-03-14
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. The company 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; treasury management; insurance products; and securities and investment services. It also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. The company was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
Contact Information
501 Main Street, Pine Bluff, AR, 71601, United States
870-541-1000
www.simmonsbank.com
Market Cap
$2.79B
P/E (TTM)
-5.7
15.3
Dividend Yield
4.4%
52W High
$23.44
52W Low
$17.00
52W Range
35%
Rank46Top 45.7%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

-$445.98M-228.07%
4-Quarter Trend

EPS

-$4.47-2335.00%
4-Quarter Trend

FCF

$0.00-100.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

NIM Expansion Post-Repositioning FTE Net Interest Margin reached 3.50% for Q3 2025, increasing 47 basis points year-over-year, driven by balance sheet changes.
Capital Strength Maintained CET1 ratio stood strong at 11.54%, well above minimum regulatory guidelines post-balance sheet repositioning activities completed.
Balance Sheet Restructuring Completed major repositioning, reclassifying $3.6B HTM to AFS, selling $3.2B securities at $625.6M after-tax loss.
Loan Portfolio Growth Total loans grew to $17.19B, driven by increases in Real Estate C&D and Agricultural lending segments during nine months.

Risk Factors

Credit Quality Deterioration Nonperforming loans rose to $153.9M (0.90% of loans); $15.6M provision tied to two specific credit relationships migrating.
Securities Sale Loss Impact Realized after-tax loss of $625.6M incurred during Q3 2025 due to strategic investment portfolio sale to reduce funding costs.
Interest Rate Sensitivity Model projects negative NII variance (up to 2.72%) if interest rates decrease over the next 12 months from base case.
Tax Treatment Uncertainty Potential material adverse tax effect if realized securities losses are not entitled to ordinary treatment by the IRS.

Outlook

NIM Improvement Drivers Future NIM benefits expected from reduced high-rate wholesale funding and ongoing deposit cost repricing efforts.
ACL Sufficiency Confirmed Allowance for credit losses considered sufficient based on scenario-weighted economic forecasts and current loan growth.
Capital Deployment Plans 2024 Stock Repurchase Program remains active through January 2026, subject to capital needs and market conditions.
Commercial Pipeline Strength Commercial loan pipeline stands at $1.61B, indicating future lending opportunities despite current focus on existing footprint.

Peer Comparison

Revenue (TTM)

BankUnited, Inc.BKU
$2.16B
+6.5%
Banc of California, Inc.BANC
$1.80B
-28.6%
WSFS Financial CorporationWSFS
$1.27B
-9.2%

Gross Margin (Latest Quarter)

Seacoast Banking Corporation of FloridaSBCF
78.6%
+19.0pp
CVB Financial Corp.CVBF
77.9%
+8.2pp
WSFS Financial CorporationWSFS
73.3%
+4.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BKU$3.40B12.79.0%6.8%
FHB$3.25B12.69.7%0.0%
CBU$3.18B15.511.3%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
N/M
Revenue Volatile
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 20, 2026
|
EPS:$0.50
|
Revenue:$238.68M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: -$445.98M-228.1%
    |
    EPS: $-4.47-2335.0%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $354.19M-4.1%
    |
    EPS: $0.43+34.4%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $350.96M-3.2%
    |
    EPS: $0.26-16.1%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $1.45B+7.8%
    |
    EPS: $1.22-12.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $348.22M-0.8%
    |
    EPS: $0.20-47.4%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $369.23M+9.0%
    |
    EPS: $0.32-30.4%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $362.51M+17.5%
    |
    EPS: $0.31-13.9%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 27, 2024|
    Revenue: $1.34B+31.6%
    |
    EPS: $1.39-32.9%
    Beat