Simmons First National Corporation (SFNC) Stock

Simmons First National Corporation (SFNC) is a Financials stock trading at $22.99 (as of 2026-08-20), with a market capitalization of $3.34B. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Simmons First National Corporation is the holding company for Simmons Bank, which provides banking and related financial services to individuals and businesses. Its offerings include deposits, lending (consumer, real estate, commercial and agricultural), trust and fiduciary services, credit cards, investment management, insurance and securities/investment services, and related delivery channels such as ATMs and online/mobile banking.

Understand Simmons First National Corporation: how it makes money

Simmons First National Corporation operates Simmons Bank, providing banking and other financial products to individuals and businesses, and it makes money primarily by taking deposits and lending (consumer, real estate, commercial, agricultural, equipment, and SBA) plus earning fees and other income from services such as trust and fiduciary, credit cards, investment management, insurance, and securities and investment services.

The bank profit model is the spread between what it earns on loans and what it pays on deposits, supplemented by fee and service income from its lending-related and wealth and insurance activities.

Business quality (Mixed): A broad set of banking and financial services (deposits, loans, trust and fiduciary, credit cards, investment management, insurance, securities, and digital/ATM services) supports multiple income streams, but no specific operating KPI was provided here to track the engine quarter to quarter.

Bull case

  • Diversified product set: The company offers checking, savings, and time deposits, multiple loan categories (consumer, real estate, commercial, agricultural, equipment, and SBA), and fee based services including trust and fiduciary services, investment management, insurance, and securities and investment services.
  • Multiple distribution channels: It provides ATM services and internet and mobile banking platforms, which can support ongoing customer engagement across its deposit, lending, and service products.

Bear case

  • Lending concentration risk: Because the business includes many types of loans (consumer, real estate, commercial, agricultural, equipment, and SBA), changes in borrower performance or demand across these categories can pressure earnings.
  • Sensitivity to overall financial conditions: Results can be affected by shifts in interest rates and funding costs, since profitability depends on the relationship between returns on loans and costs of deposits for a banking business.
Valuation — source: SEC EDGAR (first-party)
Price$22.99
Market Cap$3.34B
Price / Book0.97
Price / Sales2.69
FCF Yield10.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.24B
Net Margin-32.0%
Revenue Growth (YoY)-2.0%
EPS Growth (YoY)80.8%
FCF Growth (YoY)50.3%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($403.05M)
Institutional Holders Tracked10
Congressional Trades (recent)1
Company
SectorFinancials
IndustryBanking
CEOJames Brogdon
Employees2,949
CountryUS
IPO Date1985-03-14

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Park National Corporation (PRK)
  • Nicolet Bankshares, Inc. (NIC)
  • First Financial Bancorp. (FFBC)
  • Community Bank System, Inc. (CBU)
  • Banc of California, Inc. (BANC)
  • The Bancorp, Inc. (TBBK)
SFNC earnings history · SFNC institutional & insider holders · SFNC KPIs & operating metrics · SFNC financials · SFNC investor presentations & press releases · SFNC SEC filings · SFNC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.