Skip to content
stoqly
en

Popular

All languages

Figures come from SEC filings, which are in English. Company and industry names stay as filed.

$ USD

Popular

All currencies

Data is in US dollars, converted at the ECB reference rate of Oct 23, 2026.

Simmons First National Corp

SFNC Nasdaq National Commercial Banks Financials FY2016–FY2025

Last close · Oct 23, 2026

$23.31

0.0%
Compare
Revenue Total sales reported in the income statement.
$103M
86.7% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
547.4%
475.5 pts
Net income Profit after all expenses, interest and tax.
−$398M
360.4%
Return on equity Net income as a share of average shareholders' equity.
−11.4%
15.8 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$3.4B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On −$2.71 EPS (TTM)

What Simmons First National Corp does

No business description yet.

Legal name
SIMMONS FIRST NATIONAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Feb 25, 2026
Accession · CIK
0001628280-26-011618
0000090498

Revenue and margins

Simmons First National Corp had $103M of revenue in fiscal 2025, down 86.7% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Simmons First National Corp returned $115M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count rose 6.8%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $11.8B$15.9B$16.6B$16.8B$17.3B
Deposits $19.4B$22.5B$22.2B$21.9B$20.2B
Loans / deposits 61.0%70.7%74.7%76.6%85.6%
Total assets $24.7B$27.5B$27.3B$26.9B$24.5B
Shareholders' equity $3.2B$3.3B$3.4B$3.5B$3.4B
Goodwill $1.1B$1.3B$1.3B$1.3B$1.3B
Intangible assets $106M$129M$113M$97.2M$84.4M
Provision / loans −0.3%0.1%0.3%0.3%0.4%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $419M $494M $696M $800M $880M $783M $887M $806M $776M $103M
Net interest income $279M $355M $549M $602M $640M $592M $717M $650M $628M $719M
Noninterest income $139M $139M $148M $198M $240M $192M $170M $156M $147M −$616M
Noninterest expense $255M $312M $392M $454M $485M $484M $567M $563M $558M $565M
Provision for credit losses $20.1M $26.4M $38.1M $43.2M $75.0M −$32.7M $14.1M $42.0M $46.8M $65.8M
Interest expense $21.8M $40.1M $128M $181M $120M $79.5M $144M $560M — —
Income tax $46.6M $62.0M $50.4M $64.3M $64.9M $61.3M $50.1M $25.5M $18.6M −$130M
Net income $96.8M $92.9M $216M $238M $255M $271M $256M $175M $153M −$398M
Net income to common $96.8M $92.9M $216M $238M $255M $271M $256M $175M $153M −$398M
Diluted EPS $1.56 $1.33 $2.32 $2.41 $2.31 $2.46 $2.06 $1.38 $1.21 −$2.95
Diluted shares 0.06B 0.07B 0.09B 0.10B 0.11B 0.11B 0.12B 0.13B 0.13B 0.13B
Cash flow
Cash from operations $91.1M $115M $227M $256M $203M $278M $322M $541M $426M $450M
Capital expenditure $18.9M $34.2M $29.7M $67.8M $13.3M $47.9M $35.3M $33.1M $45.5M $38.1M
Free cash flow $72.2M $80.3M $197M $188M $189M $230M $287M $508M $380M $411M
Depreciation and amortization $17.0M $21.1M $28.4M $36.3M $49.0M $47.2M $49.0M $47.9M $46.1M $40.8M
Stock-based compensation $3.4M $10.7M $9.7M $12.9M $13.2M $15.9M $15.3M $12.2M $11.3M $10.8M
Acquisitions $0.0M $48.1M $0.0M −$178M $0.0M — — — — —
Share buybacks — $0.0M $0.0M $10.1M $113M $132M $111M $40.3M $0.0M $0.0M
Dividends paid $28.7M $35.1M $55.6M $63.9M $74.6M $78.8M $94.1M $101M $105M $115M
Dividends and buybacks $28.7M $35.1M $55.6M $74.0M $188M $211M $205M $141M $105M $115M
Balance sheet
Cash and short-term investments $286M $598M $833M $1.2B $3.5B $1.7B $682M $614M $687M $712M
Total debt $334M $1.5B $1.7B $1.7B $1.7B $1.7B $1.2B $1.3B $1.1B $620M
Loans, net $5.6B $10.7B $11.7B $14.4B $12.7B $11.8B $15.9B $16.6B $16.8B $17.3B
Deposits $6.7B $11.1B $12.4B $16.1B $17.0B $19.4B $22.5B $22.2B $21.9B $20.2B
Property and equipment, net $199M $287M $295M $492M — — — — — —
Goodwill $349M $843M $846M $1.1B $1.1B $1.1B $1.3B $1.3B $1.3B $1.3B
Intangible assets $53.0M $106M $91.3M $127M $111M $106M $129M $113M $97.2M $84.4M
Total assets $8.4B $15.0B $16.5B $21.3B $22.4B $24.7B $27.5B $27.3B $26.9B $24.5B
Total liabilities $7.2B $13.0B $14.3B $18.3B $19.4B $21.5B $24.2B $23.9B $23.3B $21.1B
Preferred stock — — — $0.8M $0.8M $0.0M — — — —
Shareholders' equity $1.2B $2.1B $2.2B $3.0B $3.0B $3.2B $3.3B $3.4B $3.5B $3.4B
Margins
Net margin 23.1% 18.8% 31.0% 29.8% 29.0% 34.6% 28.9% 21.7% 19.7% −385.1%
FCF margin 17.3% 16.3% 28.3% 23.5% 21.5% 29.4% 32.3% 63.0% 49.0% 398.5%
Net interest share of revenue 66.7% 71.9% 78.8% 75.3% 72.7% 75.5% 80.8% 80.7% 81.0% 696.7%
Efficiency ratio 60.9% 63.3% 56.3% 56.8% 55.1% 61.7% 63.9% 69.9% 71.9% 547.4%
Returns
Return on equity 8.4% 5.7% 10.0% 9.1% 8.5% 8.7% 7.9% 5.2% 4.4% −11.4%
Return on assets 1.2% 0.8% 1.4% 1.3% 1.2% 1.2% 1.0% 0.6% 0.6% −1.5%
Return on tangible equity 12.9% 8.2% 16.5% 13.2% 14.2% 13.6% 14.1% 8.8% 7.2% −19.7%
Growth
Revenue growth — 17.9% 41.1% 14.8% 10.0% −10.9% 13.3% −9.2% −3.7% −86.7%
Net income growth — −4.0% 132.1% 10.4% 7.0% 6.4% −5.4% −31.7% −12.8% −360.4%
EPS growth — −14.7% 74.4% 3.9% −4.1% 6.5% −16.3% −33.0% −12.3% −343.8%
FCF growth — 11.2% 145.5% −4.6% 0.5% 21.5% 24.8% 77.0% −25.1% 8.1%
Share count change — 12.8% 32.9% 6.4% 11.5% 0.0% 13.0% 1.9% −0.5% 6.8%
Financial health
Debt / equity 0.3x 0.7x 0.8x 0.6x 0.6x 0.5x 0.4x 0.4x 0.3x 0.2x
Loans / deposits 83.1% 96.8% 94.1% 89.1% 74.5% 61.0% 70.7% 74.7% 76.6% 85.6%
Provision / loans 0.4% 0.2% 0.3% 0.3% 0.6% −0.3% 0.1% 0.3% 0.3% 0.4%
Capital allocation
Capex / revenue 4.5% 6.9% 4.3% 8.5% 1.5% 6.1% 4.0% 4.1% 5.9% 36.9%
Stock comp / revenue 0.8% 2.2% 1.4% 1.6% 1.5% 2.0% 1.7% 1.5% 1.5% 10.4%
Payouts / FCF 39.8% 43.7% 28.2% 39.3% 99.3% 91.9% 71.5% 27.8% 27.7% 28.0%
Quality scores
Piotroski F-score — 3.0 5.0 4.0 5.0 4.0 5.0 3.0 5.0 3.0
Accruals ratio 0.1% −0.2% −0.1% −0.1% 0.2% −0.0% −0.3% −1.3% −1.0% −3.3%

Source: SEC EDGAR XBRL filings (CIK 0000090498). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

↑ ↓ to move · ↵ to open