Simmons First National Corp
SFNC Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$23.31
KIRA · Stoqly’s AI analyst, in plain words
- Simmons First National Corp had $103M of revenue in fiscal 2025, down 86.7% on the year before. Over five years, revenue changed −34.8% a year on average.
- Simmons First National Corp lost $398M in fiscal 2025.
- Simmons First National Corp returned $115M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count rose 6.8%.
- It earned −11.4% on shareholders’ money. Running costs took 547.4% of revenue (the efficiency ratio; lower is better).
Market cap
$3.4B
P/E
—
Revenue
$103M
Net income
−$398M
Return on equity
−11.4%
Efficiency ratio
547.4%
Simmons First National Corp in 30 seconds · fiscal 2025
Are sales growing?
−86.7%
No. Sales fell 86.7% last year.
Does it make a profit?
−385.1%
No. It lost money last year.
How lean are its costs?
547.4%
Costly. Running costs take 547.4% of revenue.
How much does it earn on its capital?
−11.4%
Low. It earns −11.4% a year on shareholders’ money.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Simmons First National Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- SIMMONS FIRST NATIONAL CORP
- CIK
- 0000090498
Simmons First National Corp · SFNC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $783M | $887M | $806M | $776M | $103M |
| Revenue growth | −10.9% | 13.3% | −9.2% | −3.7% | −86.7% |
| Net interest income | $592M | $717M | $650M | $628M | $719M |
| Net income | $271M | $256M | $175M | $153M | −$398M |
| Net margin | 34.6% | 28.9% | 21.7% | 19.7% | −385.1% |
| Diluted EPS | $2.46 | $2.06 | $1.38 | $1.21 | −$2.95 |
| Cash | |||||
| Cash from operations | $278M | $322M | $541M | $426M | $450M |
| Capital expenditure | $47.9M | $35.3M | $33.1M | $45.5M | $38.1M |
| Free cash flow | $230M | $287M | $508M | $380M | $411M |
| FCF margin | 29.4% | 32.3% | 63.0% | 49.0% | 398.5% |
| Dividends paid | $78.8M | $94.1M | $101M | $105M | $115M |
| Share buybacks | $132M | $111M | $40.3M | $0.0M | $0.0M |
| Share count change | 0.0% | 13.0% | 1.9% | −0.5% | 6.8% |
| Debt and strength | |||||
| Cash and short-term investments | $1.7B | $682M | $614M | $687M | $712M |
| Debt incl. finance leases | $1.7B | $1.2B | $1.3B | $1.1B | $620M |
| Loans, net | $11.8B | $15.9B | $16.6B | $16.8B | $17.3B |
| Deposits | $19.4B | $22.5B | $22.2B | $21.9B | $20.2B |
| Shareholders' equity | $3.2B | $3.3B | $3.4B | $3.5B | $3.4B |
| Returns and quality | |||||
| Return on equity | 8.7% | 7.9% | 5.2% | 4.4% | −11.4% |
| Return on tangible equity | 13.6% | 14.1% | 8.8% | 7.2% | −19.7% |
| Efficiency ratio | 61.7% | 63.9% | 69.9% | 71.9% | 547.4% |
| Piotroski F-score | 4 | 5 | 3 | 5 | 3 |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Simmons First National Corp · SFNC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.31 a share, the company is worth $3.4B.
Source: SEC EDGAR XBRL filings (CIK 0000090498). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.