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Arkansas-based regional bank holding company serving Arkansas, Texas, Oklahoma, Missouri, Tennessee and Kansas through Simmons Bank.
Arkansas-based regional bank holding company serving Arkansas, Texas, Oklahoma, Missouri, Tennessee and Kansas through Simmons Bank.
Earns mainly from the gap between loan interest and deposit costs, with fees from wealth management and mortgage lending alongside. Arkansas is the base, and acquisitions of other banks built the footprint across the surrounding states.
Moat: none (scale, distribution). Multi-state regional branch network built via acquisitions, but commodity banking economics versus larger regional peers.
Headquarters: Pine Bluff, Arkansas, United States · Founded: 1903 · Employees: 2,917
Size Simmons First National (SFNC) is a United States Financials company (Major Banks) with a market value of $3.37B, the 1467th largest of 3,117 United States companies the cockpit tracks. Shares closed at $23.34 on 6 Nov 2026.
Performance Over six months the shares gained 9.7%, against +5.5% for the median peer and -1.1% for the United States market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 121.8% over the last twelve months (peer median +12.1%); the operating margin is 32.4% (peer median 32.0%).
Valuation It trades at 1.01× book value against a peer median of 0.97× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 9.7%; Simmons First National delivers 7.8%, so the price asks more than the business earns today.
Credit Simmons First National has 1 bond outstanding ($325M).
Short interest Short interest is 4.1% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.42B | $627M | $1.46B | $1.37B | $1.03B |
| Revenue growth | — | -57% | +7% | +32% | — |
| Net income | $260M | -$398M | $153M | $175M | $256M |
| Free cash flow | n/a | $423M | $380M | $508M | $287M |
| Capital expenditure | n/a | $53.8M | $70.0M | $33.1M | $35.3M |
| Total debt | $1.77B | $695M | $1.22B | $1.48B | $1.43B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Simmons First National SFNC | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% |
| Home BancShares HOMB | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% |
| Bank OZK OZK | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% |
| Renasant RNST | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SFNC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.3% | +0.6% | 6th highest of 21 |
| 6-month return | +9.7% | +5.5% | 7th highest of 21 |
| Return on equity | 7.8% | 9.5% | 9th lowest of 21 |
| Price / book | 1.01× | 0.97× | 10th most expensive of 21 |
| Trailing P/E | 13.0× | 14.3× | 10th cheapest of 20 |
| ROE the price implies | 9.7% | 9.3% | 10th most demanding of 20 |
| ROE delivered | 7.8% | 9.6% | 8th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
Simmons First National has 1 bond outstanding with $325M face value.