SFNC
Financial ServicesSimmons First National Corporation · Banks - Regional · $3B
What is Simmons First National Corporation?
Simmons First National Corporation is the holding company for Simmons Bank, a regional bank serving individuals and businesses across the south-central United States. Headquartered in Pine Bluff, Arkansas, it operates across six states through nearly 200 financial centers.
Simmons Bank generates revenue through traditional banking activities — accepting deposits and extending loans across consumer, real estate, commercial, and agricultural segments. The bank also earns fee income from trust and fiduciary services, investment management, insurance products, and credit card offerings. Its digital platforms, including internet and mobile banking, support a broad retail and business customer base across Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas.
Simmons First National Corporation was founded in 1985 and is headquartered in Pine Bluff, Arkansas.
- Consumer, commercial, and real estate lending
- Trust, fiduciary, and investment management services
- Credit cards and insurance products
- Digital and mobile banking platforms
Is SFNC a Good Stock to Buy?
UQS Score rates SFNC as Below Average overall, reflecting meaningful weaknesses across several key dimensions.
The Valuation pillar stands out as Attractive, suggesting the stock may be priced modestly relative to its fundamentals. Growth and Risk both register as Neutral, indicating neither a compelling expansion story nor an alarming risk profile at this time.
Both the Quality and Moat pillars score as Weak, pointing to limited competitive differentiation and below-average business quality metrics relative to sector peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does SFNC pay dividends?
Yes — Simmons First National Corporation pays a dividend.
Simmons First National pays a regular dividend, consistent with the income-oriented tradition of regional banks. For investors seeking steady income, this cadence can be appealing. The dividend reflects the company's long-standing presence as a community-focused bank rather than a high-growth reinvestment story.
When does SFNC report earnings?
Simmons First National reports earnings on a quarterly cadence, typical for US-listed financial institutions.
Results in recent periods have reflected the broader pressures facing mid-sized regional banks, including net interest margin dynamics and credit quality trends. The Neutral Growth and Risk pillar ratings suggest performance has been neither notably strong nor severely stressed.
For the most recent quarter's results, visit Simmons First National Corporation's investor relations page.
SFNC Price History
-15.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Simmons First National Corporation?
Based on Simmons First National Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
SFNC Long-term Outlook
The fundamental outlook for SFNC is cautiously balanced. Neutral Growth signals limited near-term expansion momentum, while Neutral Risk suggests the bank is not facing outsized credit or operational stress. The Attractive Valuation pillar indicates the market may not be pricing in a recovery scenario, which could be relevant for patient investors monitoring the Quality and Moat trajectories.
Growth drivers
- Potential loan growth across its six-state regional footprint
- Fee income expansion through trust, investment, and insurance services
- Operational efficiency improvements in a stabilizing rate environment
Key risks
- Weak Moat rating signals limited pricing power versus larger or more specialized banks
- Weak Quality pillar may reflect ongoing pressure on profitability metrics
- Regional concentration in the south-central US creates exposure to local economic cycles
SFNC vs Peers
Simmons First National competes with other regional and community-focused banks across the Midwest and South.
First Financial Bancorp operates primarily in the Ohio and Indiana markets, offering a comparable mix of commercial and retail banking with a somewhat different geographic concentration.
Park National is an Ohio-based community bank holding company known for its conservative lending culture and focus on relationship banking within a tighter regional footprint.
Bank of Hawaii serves a distinct island-market economy, giving it a unique geographic moat but also concentrated exposure to Hawaii's tourism-driven economic cycles.
Frequently Asked Questions
What does Simmons First National Corporation do?
Simmons First National is the holding company for Simmons Bank, which provides checking and savings accounts, consumer and commercial loans, agricultural finance, trust services, credit cards, and investment products. It operates across Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas.
Does SFNC pay dividends?
Yes, Simmons First National pays a regular dividend. This is consistent with the company's long history as a community-focused regional bank. Investors seeking income may find the dividend cadence appealing, though the overall UQS profile rates the stock as Below Average.
When does SFNC report earnings?
Simmons First National reports on a quarterly cadence, as is standard for US-listed banks. For exact dates and the most recent results, check the investor relations section of the company's official website.
Is SFNC a good stock to buy?
UQS Score rates SFNC as Below Average, driven by Weak Quality and Moat pillars. The Valuation pillar is Attractive, which may interest value-oriented investors. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is SFNC overvalued?
Based on the UQS Valuation pillar, SFNC is rated Attractive, suggesting it may be trading at a modest discount relative to its fundamentals. This does not guarantee upside, but it indicates the market is not pricing in a premium for the stock at current levels.
How does SFNC compare to its competitors?
Compared to peers like First Financial Bancorp, Park National, and Bank of Hawaii, SFNC operates a broader six-state footprint but carries Weak Quality and Moat ratings. Competitors may differ in geographic focus, profitability, and competitive positioning. The UQS comparison tool shows side-by-side pillar ratings for Pro members.
What is SFNC's market cap bracket?
Simmons First National Corporation falls in the mid-cap category, placing it among regional banks of moderate size — larger than most community banks but well below the scale of national banking giants.
Who founded Simmons First National Corporation?
Simmons First National has roots going back to 1903, with the current corporate structure established in 1985. Founding details are widely available through the company's official history and public filings on its investor relations page.
Is SFNC a long-term quality investment?
From a long-term quality perspective, SFNC's Weak Quality and Moat pillars suggest the business lacks strong structural advantages that tend to compound value over time. The Neutral Risk and Growth ratings offer some stability, but long-term investors should weigh these factors carefully before committing capital.
What sector does SFNC belong to?
SFNC operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks like Simmons First are sensitive to interest rate cycles, credit conditions, and local economic trends in their operating geographies.
Unlock Full SFNC Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS Score and all five pillar ratings for SFNC
- ✓Access detailed financial metrics behind the Quality and Moat assessments
- ✓Compare SFNC side-by-side with First Financial Bancorp, Park National, and Bank of Hawaii
- ✓Screen for regional bank stocks with stronger Quality or Moat profiles
- ✓Get the complete analyst view available exclusively to Pro members
Pro Analysis
SFNC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 12, 2026 | 45.8 | 25.0 | 14.0 | 50.6 | 72.7 | 100.0 | +4.7 |
| Apr 14, 2026 | 41.1 | 25.0 | 14.0 | 50.6 | 41.6 | 100.0 | -9.0 |
| Apr 13, 2026 | 50.1 | 25.0 | 50.0 | 50.6 | 41.6 | 100.0 | +9.0 |
| Apr 2, 2026 | 41.1 | 25.0 | 14.0 | 50.6 | 41.6 | 100.0 | — |
SFNC — Pillar Breakdown
Quality
— 25.0/100 (25%)Simmons First National Corporation currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 50.6/100 (20%)Simmons First National Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)Simmons First National Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)Simmons First National Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 14/100 (25%)Simmons First National Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SFNC.
Score Composition
Financial Data
More Stock Analysis
How is the SFNC UQS Score Calculated?
The UQS (Unified Quality Score) for Simmons First National Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Simmons First National Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Simmons First National Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.