QualityDipStocks / Finance · Major Banks
Simmons First National SFNC
Outside our quality screen, so we don’t track its dips. It’s 1% below its 52-week high.
Outside our quality screen, 4% over its Market Value. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- $22.90price +4%
- Off 52-wk high
- −1%
- Risk vs market
- Lowbeta 0.59
2 bullish · 5 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for SFNC: the book-value model gives 85% below the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much SFNC moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 1.9× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.59
- Volatility
- 25% vs 13% SPY
- Correlation SPY
- 0.30
- Correlation QQQ
- 0.15
Valuation details
MV $22.90
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 2 of 5
Cash returnsDividend yield of 3.6% ($124M paid over 12 months).
ValuationPrice / book of 1.0×, below the 1.7× median for the 296 Finance companies we cover.
Top bearish points 5 of 5
GrowthSales fell 79% over the last 12 months vs the 12 months before (SEC filings).
GrowthSales shrank 51% a year from FY2022 to FY2025.
Cash returnsShare count up 15.0% in a year: existing holders are being diluted.
ProfitabilityReturn on equity fell 17 points in two fiscal years, to -12% in FY2025.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%; no sales-growth data.
All fundamentals
ROE -10% · Sales −79%
Valuation
- P/E
- n/aloss over the last 12 months
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 20.32×
- Price / book
- 0.99×
- Market cap
- $3.4Bprice × diluted shares
- Enterprise value
- $4.1B
Growth
- Revenue, 12 months
- $169Mnet interest income + noninterest income
- Sales growth, 12 months
- −79.0%vs the 12 months before
- Sales growth, 3 yrs
- −51.2%/yrfrom FY2022
- Diluted EPS, 12 months
- −$2.71
- EPS growth, last FY
- n/afewer than two years of diluted EPS
- Net income, 12 months
- −$349M
- Net income growth
- n/anot reported in its SEC filings
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- n/an/m
- FCF margin
- 284.5%
- Return on equity
- −10%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $589M
- Total debt
- $1.3B
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $482M
- FCF growth, 12 months
- +38%
- Dividend yield
- 3.60%$124M paid
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $14M0.4% of market cap
- Share count, 1 year
- +15.0%diluted shares vs a year ago
- Stock-based comp
- $9M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Simmons First National’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.5B
- Free cash flow, 12 months$0.5B
- Free-cash-flow yield14.1%
- Return on equity8%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $23.82
- 52-wk lowlowest close, 1 year$17.26−27.5%
- Market Valueavg paid since Oct 15$22.90−3.9%
- PriceMon Nov 2 close$23.82you are here
- 52-wk highhighest close, 1 year$24.12+1.3%
Momentum & 52-week range
RSI 65 · 5 days +2.1%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
SFNC is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Simmons First National in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Major Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.