Stocks · Financial Services · Banks - Regional
Simmons First National Corporation SFNC
$22.71 -0.83% Close, Oct 5, 2026 · NASDAQ · Market cap $3.32B
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-2.53, down 299.2% year over year.
- Operating margin narrowed to -85.9% from 12.8% a year earlier.
- The diluted share count rose 15.4% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 2%
- EPS growth (TTM, YoY)Bottom 4%
- FCF growth (TTM, YoY)Top 36%
- Revenue growth, 3-year CAGRBottom 2%
- Revenue growth accelerationTop 41%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 7%
- Gross marginBottom 4%
- Operating marginBottom 4%
- Accruals (lower is better)Top 20%
- Interest coverBottom 8%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 7%
- Free-cash-flow yieldTop 19%
- EBITDA / enterprise valueBottom 5%
- Sales / enterprise valueBottom 16%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 39%
- 6-month returnTop 27%
- 1-year return vs S&P 500Top 33%
- Distance from 52-week highTop 32%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 32%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 49%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 35%
- Maximum drawdown, 3 yearsBottom 40%
- Beta vs S&P 500 (lower is better)Bottom 36%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -60.4% | -59.8% | ↑ |
| EPS growth (YoY) | -320.7% | -299.2% | ↑ |
| Gross margin | 51.4% | 13.5% | ↓ |
| Operating margin | 12.8% | -85.9% | ↓ |
| FCF margin | 24.6% | 84.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -59.8% | -60.4% | ↑ | Bottom 2% |
| EPS growth (TTM, YoY) | -299.2% | -320.7% | ↑ | Bottom 4% |
| Gross margin | 13.5% | 51.4% | ↓ | Bottom 4% |
| Operating margin | -85.9% | 12.8% | ↓ | Bottom 4% |
| Net margin | -61.3% | 11.3% | ↓ | — |
| Free-cash-flow margin | 84.3% | 24.6% | ↑ | — |
| Return on invested capital | -6.8% | — | Bottom 7% | |
| Revenue growth, 3-year CAGR | -15.0% | — | Bottom 2% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +45.4 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.73%
- Net buyback yield (TTM)
- -9.53%
- Shareholder yield
- -5.80%
- Share count change, 1 year
- +15.4%
- Share count change, 3-year CAGR
- +4.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +0.9%
- Average 2-day reaction, last 8
- -0.9%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $26.17
- Target vs current price
- +15.2%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | -4.4% | +0.1% | -0.5% | +2.6% | — |
| Apr 16, 2026 | +0.0% | -0.4% | +3.0% | +0.1% | +11.8% |
| Jan 20, 2026 | +10.2% | +0.2% | +4.0% | +10.7% | +6.8% |
| Oct 16, 2025 | -2.1% | -5.2% | -6.6% | -4.7% | -0.5% |
| Jul 17, 2025 | +10.0% | +1.0% | +3.2% | +3.2% | -2.2% |
| Apr 16, 2025 | -27.8% | -0.9% | -0.7% | +9.3% | +10.3% |
| Jan 22, 2025 | +8.8% | -1.9% | +0.2% | -2.2% | -20.5% |
| Oct 18, 2024 | +11.0% | -0.1% | +0.6% | +5.2% | -3.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $0.50 | $0.52 | -4.4% | $248.6M |
| Apr 16, 2026 | $0.47 | $0.47 | +0.0% | $241.4M |
| Jan 20, 2026 | $0.54 | $0.49 | +10.2% | $249.0M |
| Oct 16, 2025 | $0.46 | $0.47 | -2.1% | -$446.0M |
| Jul 17, 2025 | $0.44 | $0.40 | +10.0% | $357,377 |
| Apr 16, 2025 | $0.26 | $0.36 | -27.8% | $206.5M |
| Jan 22, 2025 | $0.38 | $0.35 | +8.8% | $205.4M |
| Oct 18, 2024 | $0.37 | $0.33 | +11.0% | $171.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 11.1× | — | — | — |
| EV / Sales | 7.44× | — | — | Bottom 16% |
| Free-cash-flow yield | 14.48% | — | — | Top 19% |
| Earnings yield | -11.14% | — | — | Bottom 7% |
P/E over the past five years
Range 8.4× – 24.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +18.1%
- Earnings per share growth (TTM)
- -299.2%
- Change in P/E multiple
- -8.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 130
- 50-day average slope (20 days)
- +0.0%
- 200-day average slope (20 days)
- +2.0%
- Distance from 50-day average
- -1.9%
- Distance from 200-day average
- +6.1%
- RSI (14)
- 46.4
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.82
- Correlation with S&P 500
- 0.52
- Current drawdown from 1-year high
- -5.8%
- Maximum drawdown, 3 years
- -32.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 11, 2021 | Oct 25, 2023 | -56.9% | 661 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.32B
- EPS, diluted (TTM)
- -$2.53
- Revenue (TTM)
- $570.3M
- Dividend yield
- 3.78%
- 52-week range
- $17.00 – $24.32
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $847.9M | $1.02B | $1.34B | $1.45B | $626.8M |
| Gross profit | $799.6M | $861.1M | $750.4M | $716.0M | $36.4M |
| Operating income | $332.5M | $306.6M | $200.6M | $171.3M | -$527.7M |
| Net income | $271.2M | $256.4M | $175.1M | $152.7M | -$397.6M |
| EPS (diluted) | $2.47 | $2.06 | $1.38 | $1.21 | -$2.95 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $348.2M | $366.4M | $351.0M | $354.2M | -$446.0M | $358.8M | $301.8M | $355.6M |
| Net income | $24.7M | $48.3M | $32.4M | $54.8M | -$562.8M | $78.1M | $68.5M | $66.7M |
| EPS (diluted) | $0.20 | $0.38 | $0.26 | $0.43 | -$4.00 | $0.54 | $0.47 | $0.46 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $277.8M | $322.2M | $541.0M | $425.9M | $461.2M |
| Capital expenditure | -$47.9M | -$35.3M | -$33.1M | -$45.5M | -$38.1M |
| Free cash flow | $229.9M | $286.9M | $507.9M | $380.4M | $423.0M |
| Dividends paid | -$78.8M | -$94.1M | -$101.0M | -$105.4M | -$115.0M |
| Net share buybacks | -$132.1M | -$111.1M | -$40.3M | $970,000 | $327.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.45B
- Total assets
- $24.78B
- Total liabilities
- $21.29B
- Total debt
- $1.30B
- Net debt
- $921.9M
- Shareholders’ equity
- $3.48B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.22 | Oct 1, 2026 |
| Jun 15, 2026 | $0.22 | Jul 1, 2026 |
| Mar 13, 2026 | $0.22 | Apr 1, 2026 |
| Dec 15, 2025 | $0.21 | Jan 2, 2026 |
| Sep 15, 2025 | $0.21 | Oct 1, 2025 |
| Jun 13, 2025 | $0.21 | Jul 1, 2025 |
| Mar 14, 2025 | $0.21 | Apr 1, 2025 |
| Dec 13, 2024 | $0.21 | Jan 2, 2025 |
Short interest
- Shares sold short
- 6,306,099
- Days to cover
- 5.02
- Change vs previous report
- +18.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 9, 2018
- 2-for-1
- May 2, 2003
- 2-for-1
- Dec 9, 1996
- 3-for-2
- Jun 8, 1992
- 2-for-1
- May 2, 1985
- 2-for-1