Is SFNC a good stock to buy right now?

Based on our 6-factor quantitative model, SIMMONS FIRST NATIONAL CORP (SFNC) receives a "Reduce" rating with a composite score of 40.5/100. It is ranked #2,413 out of 4,446 stocks. Key factor scores: Quality 28/100, Value 25/100, Momentum 43/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for SFNC?

SIMMONS FIRST NATIONAL CORP (SFNC) has a "Reduce" rating and 2-star score. The composite score of 40.5 ranks it #2,413 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is SFNC in?

SIMMONS FIRST NATIONAL CORP operates in the Financials sector (Banking industry) with a market cap of $2.82 billion. It is classified as a mid-cap stock.

Does SFNC pay a dividend?

Yes, SFNC pays a dividend with a current yield of 4.42%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $44.20 in annual dividend income.

What is SFNC's P/E ratio?

P/E ratio data is not currently available for SFNC, which may indicate the company is not yet profitable.

How profitable is SFNC?

SFNC's quality factor score is 28/100. ROE: -13.2% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is SFNC valued compared to peers?

SFNC's value factor score is 25/100 (higher = cheaper). Key multiples: . Trading at a premium relative to peers.

What is SFNC's debt level?

SFNC's debt-to-equity ratio is 18%. Sector average: 121%. Low leverage suggests conservative financial management.

SFNC has a beta of 0.83, meaning it tracks the market. Stability score: 80/100.

Does SFNC have high short interest?

SFNC's short interest factor score is 63/100 (higher = less short selling). Moderate short interest.

SFNC Stock Analysis: Top Mid-Cap Reduce (Score 40.5/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
SFNC	-2.43%	+5.02%	+6.49%	+8.75%	+14.72%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-2.36%	+1.42%	+6.16%	+9.11%	-14.81%	-	-	-
Alpha vs Sector	-1.34%	+2.52%	+5.08%	+16.06%	+4.13%	-	-	-

Metric	SFNC	Benchmark
P/E Ratio	-6.4x	-143%
EV/EBITDA	—	—
Price / Book	0.8x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	9.2x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	11.0x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.8x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	10.0x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.9x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	13.0x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.4x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	10.0x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	13.2x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
SFNC SIMMONS FIRST NATIONAL CORP	41	28	25	43	-	-13.2%	-	-36.1%	-4.8%	18.0x	$2.8B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	-	-	-	-	-	-	0.7%	0.8%	0.8%	0.7%	0.7%
Operating Margin %	-0.6%	-	-	-	-	-	0.3%	0.2%	0.2%	0.3%	0.3%
EBITDA Margin %	-0.6%	-	-	-	-	-	0.4%	0.4%	0.4%	0.3%	0.3%
Net Margin %	-0.4%	-0.3%	0.1%	0.1%	0.3%	0.4%	0.3%	0.3%	0.3%	0.2%	0.2%
FCF Margin %	32.5%	-	-	-	-	-	21.3%	23.3%	28.3%	16.3%	17.3%
ROE %	-0.1%	-0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%
ROA %	-0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	-16.3%	0.0%	0.0%	0.0%	0.0%	0.0%	4.4%	3.6%	3.1%	3.2%	8.1%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.7%

0.8%

0.7%

Operating Margin %

-0.6%

0.3%

0.2%

0.3%

EBITDA Margin %

-0.6%

0.4%

0.3%

Net Margin %

-0.4%

-0.3%

0.1%

0.3%

0.4%

0.3%

0.2%

FCF Margin %

32.5%

21.3%

23.3%

28.3%

16.3%

17.3%

ROE %

-0.1%

0.0%

0.1%

0.0%

0.1%

ROA %

-0.0%

0.0%

ROIC %

-16.3%

0.0%

4.4%

3.6%

3.1%

3.2%

8.1%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$1.3B	$1.2B	$1.3B	$1.2B	$862M	$671M	$888M	$807M	$696M	$494M	$419M	$373M
	—	—	—	—	—	—	$640M	$605M	$549M	$355M	$279M	$279M
Gross Margin	---	---	---	---	---	---	72.0%	75.0%	78.8%	71.9%	66.7%	74.6%
	—	—	—	—	—	—	-$7M	-$17M	-$21M	-$16M	-$15M	-$19M
	-$756M	—	—	—	—	—	$249M	$202M	$148M	$139M	$139M	$95M
EBIT	-$756M	—	—	—	—	—	$249M	$202M	$148M	$139M	$139M	$95M
EBITDA	-$711M	—	—	—	—	—	$313M	$285M	$245M	$138M	$129M	$88M
Operating Margin	-59.5%	---	---	---	---	---	28.0%	25.0%	21.2%	28.1%	33.3%	25.4%
EBITDA Margin	-56.0%	---	---	---	---	---	35.2%	35.4%	35.2%	28.0%	30.8%	23.7%
	—	—	—	$560M	$144M	$80M	$120M	$181M	$128M	$40M	$22M	$22M
	—	$1.2B	$1.3B	$1.2B	$862M	$671M	—	—	—	—	—	—
Income Tax Expense	—	-$130M	$19M	$26M	$50M	$61M	$65M	$64M	$50M	$62M	$47M	$33M
	-$451M	-$398M	$153M	$175M	$256M	$271M	$255M	$238M	$216M	$93M	$97M	$74M
Net Margin	-36.1%	-32.0%	11.6%	14.5%	29.8%	40.4%	29.0%	29.8%	31.0%	18.8%	23.1%	19.9%
	$-2.96	$-2.96	$1.22	$1.39	$2.07	$2.47	$2.32	$2.42	$2.34	$1.34	$3.16	$1.32
Diluted EPS	$-2.96	$-2.95	$1.21	$1.38	$2.06	$2.46	$2.32	$2.42	$2.34	$1.34	$3.16	$1.32
Weighted Avg Basic	—	134M	125M	126M	124M	110M	—	—	—	—	—	—
Weighted Avg Diluted	—	135M	126M	127M	124M	110M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$1.3B

$1.2B

$1.3B

$1.2B

$862M

$671M

$888M

$807M

$696M

$494M

$419M

$373M

—

$640M

$605M

$549M

$355M

$279M

Gross Margin

---

72.0%

75.0%

78.8%

71.9%

66.7%

74.6%

—

-$7M

-$17M

-$21M

-$16M

-$15M

-$19M

-$756M

—

$249M

$202M

$148M

$139M

$95M

EBIT

-$756M

—

$249M

$202M

$148M

$139M

$95M

EBITDA

-$711M

—

$313M

$285M

$245M

$138M

$129M

$88M

Operating Margin

-59.5%

---

28.0%

25.0%

21.2%

28.1%

33.3%

25.4%

EBITDA Margin

-56.0%

---

35.2%

35.4%

35.2%

28.0%

30.8%

23.7%

—

$560M

$144M

$80M

$120M

$181M

$128M

$40M

$22M

—

$1.2B

$1.3B

$1.2B

$862M

$671M

—

Income Tax Expense

—

-$130M

$19M

$26M

$50M

$61M

$65M

$64M

$50M

$62M

$47M

$33M

-$451M

-$398M

$153M

$175M

$256M

$271M

$255M

$238M

$216M

$93M

$97M

$74M

Net Margin

-36.1%

-32.0%

11.6%

14.5%

29.8%

40.4%

29.0%

29.8%

31.0%

18.8%

23.1%

19.9%

$-2.96

$1.22

$1.39

$2.07

$2.47

$2.32

$2.42

$2.34

$1.34

$3.16

$1.32

Diluted EPS

$-2.96

$-2.95

$1.21

$1.38

$2.06

$2.46

$2.32

$2.42

$2.34

$1.34

$3.16

$1.32

Weighted Avg Basic

—

134M

125M

126M

124M

110M

—

Weighted Avg Diluted

—

135M

126M

127M

124M

110M

—

SIMMONS FIRST NATIONAL CORP (SFNC) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does SIMMONS FIRST NATIONAL CORP Do?

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. It 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; insurance products; and securities and investment services. The company also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. As of January 27, 2022, the company operated through 199 financial centers in Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas. SIMMONS FIRST NATIONAL CORP (SFNC) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO George A. Makris and employs approximately 3,200 people, headquartered in PINE BLUFF, Arkansas. With a market capitalization of $2.8B, SFNC is one of the notable companies in the Financials sector.

SIMMONS FIRST NATIONAL CORP (SFNC) Stock Rating — Reduce (April 2026)

As of April 2026, SIMMONS FIRST NATIONAL CORP receives a Reduce rating with a composite score of 40.5/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.SFNC ranks #2,413 out of 4,446 stocks in our coverage universe. Within the Financials sector, SIMMONS FIRST NATIONAL CORP ranks #647 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

SFNC Stock Price and 52-Week Range

SIMMONS FIRST NATIONAL CORP (SFNC) currently trades at $20.50. The stock lost $0.51 (2.4%) in the most recent trading session. The 52-week high for SFNC is $22.18, which means the stock is currently trading -7.6% from its annual peak. The 52-week low is $17.00, putting the stock 20.6% above its annual trough. Recent trading volume was 1.1M shares, reflecting moderate market activity.

Is SFNC Overvalued or Undervalued? — Valuation Analysis

SIMMONS FIRST NATIONAL CORP (SFNC) carries a value factor score of 25/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.84x, versus the sector average of 1.22x. The price-to-sales ratio is 2.27x, compared to 0.90x for the average Financials stock.

At current multiples, SIMMONS FIRST NATIONAL CORP trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

SIMMONS FIRST NATIONAL CORP Profitability — ROE, Margins, and Quality Score

SIMMONS FIRST NATIONAL CORP (SFNC) earns a quality factor score of 28/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -13.2%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -1.8% versus the sector average of 1.2%.

Net profit margin stands at -36.1%, versus 17.7% for the average Financials stock. Revenue growth is running at -4.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

SFNC Debt, Balance Sheet, and Financial Health

SIMMONS FIRST NATIONAL CORP has a debt-to-equity ratio of 18.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.16x, suggesting adequate working capital coverage. Total debt on the balance sheet is $620M. Cash and equivalents stand at $378M.

SFNC has a beta of 0.83, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for SIMMONS FIRST NATIONAL CORP is 80/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

SIMMONS FIRST NATIONAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, SIMMONS FIRST NATIONAL CORP reported revenue of $1.27B and earnings per share (EPS) of $-2.96. Net income for the quarter was $-451M. Operating income came in at $-756M.

In FY 2025, SIMMONS FIRST NATIONAL CORP reported revenue of $1.24B and earnings per share (EPS) of $-2.96. Net income for the quarter was $-398M. Revenue grew -5.2% year-over-year compared to FY 2024.

In Q3 2025, SIMMONS FIRST NATIONAL CORP reported revenue of $313M and earnings per share (EPS) of $-4.01. Net income for the quarter was $-563M. Revenue grew -6.2% year-over-year compared to Q3 2024.

In Q2 2025, SIMMONS FIRST NATIONAL CORP reported revenue of $315M and earnings per share (EPS) of $0.43. Net income for the quarter was $55M. Revenue grew -4.3% year-over-year compared to Q2 2024.

Over the past 8 quarters, SIMMONS FIRST NATIONAL CORP has demonstrated a growth trajectory, with revenue expanding from $329M to $1.27B. Investors analyzing SFNC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

SFNC Dividend Yield and Income Analysis

SIMMONS FIRST NATIONAL CORP (SFNC) currently pays a dividend yield of 4.4%. At this yield, a $10,000 investment in SFNC stock would generate approximately $$442.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning SFNC offers above-average income for its sector.

SFNC Momentum and Technical Analysis Profile

SIMMONS FIRST NATIONAL CORP (SFNC) has a momentum factor score of 43/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 35/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 63/100 reflects moderate short selling activity.

SFNC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, SIMMONS FIRST NATIONAL CORP (SFNC) ranks #647 out of 891 stocks based on the Blank Capital composite score. This places SFNC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing SFNC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SFNC vs S&P 500 (SPY) comparison to assess how SIMMONS FIRST NATIONAL CORP stacks up against the broader market across all factor dimensions.

SFNC Next Earnings Date

No upcoming earnings date has been announced for SIMMONS FIRST NATIONAL CORP (SFNC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy SFNC? — Investment Thesis Summary

The quantitative profile for SIMMONS FIRST NATIONAL CORP suggests caution. The quality score of 28/100 flags below-average profitability. The value score of 25/100 indicates premium valuation. Low volatility (stability score 80/100) reduces downside risk.

In summary, SIMMONS FIRST NATIONAL CORP (SFNC) earns a Reduce rating with a composite score of 40.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SFNC stock.

Related Resources for SFNC Investors

Explore more research and tools: SFNC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SFNC head-to-head with peers: SFNC vs WTM, SFNC vs OPY, SFNC vs ACT.

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SIMMONS FIRST NATIONAL CORP (SFNC) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does SIMMONS FIRST NATIONAL CORP Do?

SIMMONS FIRST NATIONAL CORP (SFNC) Stock Rating — Reduce (April 2026)

SFNC Stock Price and 52-Week Range

Is SFNC Overvalued or Undervalued? — Valuation Analysis

SIMMONS FIRST NATIONAL CORP Profitability — ROE, Margins, and Quality Score

SFNC Debt, Balance Sheet, and Financial Health

SIMMONS FIRST NATIONAL CORP Revenue and Earnings History — Quarterly Trend

SFNC Dividend Yield and Income Analysis

SFNC Momentum and Technical Analysis Profile

SFNC vs Competitors — Financials Sector Ranking and Peer Comparison

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