Simmons First National stock
SFNCNASDAQSimmons First National Corporation, Financial ServicesISIN US8287302009
57Score 57 out of 100, Neutral
Price and trend
83 / 100
Price history
+30% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 7.6% above it.
Since February 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 53).
The price is 2.4% below its 52-week high. Largest decline in 20 years: 58% (June 2018 to October 2023).
Chart figures for advanced users
- SMA 50$22.94
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$21.87
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)53
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$17.26
- The lowest closing price of the last twelve months.
- Resistance$24.12
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Simmons First National Corporation belongs to the Banks (Regional) industry (United States) and, with a market value of $3.39B, is number 203 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $626.8M (down 17.8% year on year) and a loss of $397.55M.
- MEQIRI Score 57 out of 100 (Neutral): rank 779 of 976 in Financial Services, median 68.
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- The P/E is 13.1 (Banks (Regional) median 12.2, own median of recent years 12).
- Our model puts fair value at $24.77, with the price 5% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 39 years.
Weaknesses
- Margin fallingOperating margin −84.2%, average of the prior years 35% (to 2024).Profitability 38
- DilutionShare count up 23% since 2020.Capital allocation 32
- Turned to a lossEarnings per share from $2.32 in 2020 to −$2.95.Growth 22
Its standout strengths are stability and technical analysis, while capital allocation and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- price near its 52-week high
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $20.64 and expensive above $30.96 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $27.58 (excess return model) and $21.96 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $22.47, at 7.8% it would be $28.22.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue fell 17.8% on the prior year. Revenue has grown solidly since 2006, at about 9% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating −84%, net −63%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 28%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 19 Jan 2027in 68 days
- Last reported
- 15 Oct 2026EPS reported $0.54 (expected $0.54)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.08+1.2%
- Revenue
- $1B−0.5%
- Earnings per share
- $2.30−1.0%
- Revenue
- $1.03B−1.9%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −2.8%Management expects to exceed its annual targets: net interest income growth at the top of the 9% to 11% range, expenses below guidance, and loan growth at the top end of low to mid single digits.
“We guided back in January our outlook for the year of 9%-11% net interest income growth year-over-year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 17 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Simmons First National
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 57
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Optima bankOPTIMA.AT $3.57B65
- First Interstate BancSystemFIBK $3.5B63
- BTV Vier Länder BankBTS.VI $3.49B65
- First Financial Bancorp.FFBC $3.44B69
- Community Bank SystemCBU $3.39B65
- TowneBankTOWN $3.39B54
- SpareBank 1 SMNMING.OL $3.36B75
- Seacoast Banking Corporation of FloridaSBCF $3.25B60
ETFs that hold Simmons First National
Held by 13 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.19% | 0.30% | €2.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.12% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.11% | 0.30% | €4.22B |
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| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.08% | 0.30% | €185.82M |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.08% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.06% | 0.43% | €2.48B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.04% | 0.45% | €1.53B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.01% | 0.35% | €434.1M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 16 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.