Demonstrações financeiras detalhadas de Simmons First National Corporation (SFNC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Simmons First National Corporation registou receitas de $626.8M no último exercício, com um CAGR de 5 anos de -8.6%.
Margens dos últimos 12 meses: margem bruta 13.5%, margem operacional -85.9%, margem líquida -61.3%. O fluxo de caixa livre cresceu a CAGR de 17.5% em 5 anos.
Ao preço atual de $22.81, SFNC apresenta lucros negativos (P/L não significativo) e um ROE de -10.21%. A capitalização de mercado é de $3.3B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $429.1M | $521.6M | $810.2M | $972.0M | $980.9M | $847.9M | $1.02B | $1.34B | $1.45B | $626.8M |
| Custo da Receita | $41.9M | $66.5M | $166.3M | $224.6M | $195.0M | $48.3M | $158.5M | $591.2M | $730.4M | $590.4M |
| Lucro Bruto | $387.2M | $455.1M | $644.0M | $747.4M | $786.0M | $799.6M | $861.1M | $750.4M | $716.0M | $36.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $143.9M | $169.2M | $233.9M | $248.7M | $271.1M | $275.5M | $327.5M | $340.1M | $335.4M | $367.6M |
| Despesas Operacionais | $243.8M | $300.2M | $377.9M | $444.9M | $466.2M | $467.2M | $554.5M | $549.8M | $544.7M | $564.0M |
| Lucro Operacional | $143.4M | $154.9M | $266.1M | $302.4M | $319.8M | $332.5M | $306.6M | $200.6M | $171.3M | -$527.7M |
| EBITDA | $160.2M | $176.0M | $294.5M | $338.7M | $368.8M | $379.7M | $355.5M | $248.5M | $217.4M | -$475.0M |
| Despesas com Juros | $21.8M | $40.1M | $128.1M | $181.4M | $120.0M | $79.5M | $144.4M | $560.0M | $683.6M | $524.6M |
| Lucro Antes de Impostos | $143.4M | $154.9M | $266.1M | $302.4M | $319.8M | $332.5M | $306.6M | $200.6M | $171.3M | -$527.7M |
| Imposto | $46.6M | $62.0M | $50.4M | $64.3M | $64.9M | $61.3M | $50.1M | $25.5M | $18.6M | -$130.1M |
| Lucro Líquido | $96.8M | $92.9M | $215.7M | $238.2M | $254.9M | $271.2M | $256.4M | $175.1M | $152.7M | -$397.6M |
| LPA | $1.58 | $1.34 | $2.34 | $2.42 | $2.32 | $2.47 | $2.07 | $1.38 | $1.22 | $-2.95 |
| LPA Diluído | $1.56 | $1.33 | $2.32 | $2.41 | $2.31 | $2.47 | $2.06 | $1.38 | $1.21 | $-2.95 |
| Ações em Circulação (Diluídas) | $61.9M | $92.0M | $92.8M | $113.6M | $110.2M | $110.1M | $127.0M | $125.2M | $126.1M | $134.7M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | -$446.0M | $358.8M | $301.8M | $355.6M |
| Lucro Bruto | -$584.7M | $233.5M | $197.2M | $231.1M |
| Lucro Operacional | -$723.5M | $94.0M | $56.5M | $83.4M |
| EBITDA | -$713.5M | $146.7M | $66.5M | $93.3M |
| Lucro Líquido | -$562.8M | $78.1M | $68.5M | $66.7M |
| LPA | $-4.47 | $0.54 | $0.47 | $0.46 |
| LPA Diluído | $-4.00 | $0.54 | $0.47 | $0.46 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $290.2M | $601.4M | $838.4M | $1.00B | $3.47B | $1.65B | $682.9M | $614.2M | $687.5M | $380.4M |
| Investimentos de Curto Prazo | $1.16B | $1.59B | $2.15B | $3.29B | $3.47B | $7.11B | $3.85B | $3.15B | $1.40B | $3.27B |
| Contas a Receber | $27.8M | $43.5M | $49.9M | $62.7M | $72.6M | $73.0M | $102.9M | $122.4M | $123.2M | $104.1M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.48B | $2.23B | $3.04B | $4.35B | $7.02B | $8.84B | $4.64B | $3.89B | $2.21B | $3.75B |
| Imobilizado | $199.4M | $287.2M | $295.1M | $492.4M | $441.7M | $483.5M | $548.7M | $570.7M | $585.4M | $561.2M |
| Ágio | $348.5M | $842.7M | $845.7M | $1.06B | $1.08B | $1.15B | $1.32B | $1.32B | $1.32B | $1.32B |
| Ativos Intangíveis | $53.0M | $106.1M | $91.3M | $127.3M | $111.1M | $106.2M | $129.0M | $112.6M | $97.2M | $84.4M |
| Ativos Totais | $8.40B | $15.06B | $16.54B | $21.26B | $22.36B | $24.72B | $27.46B | $27.35B | $26.88B | $24.54B |
| Contas a Pagar | $65.1M | $78.0M | $102.8M | $165.4M | $217.4M | $201.9M | $257.9M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $115.0M | $197.4M | $95.8M | $150.1M | $299.1M | $185.4M | $160.4M | $68.0M | $37.1M | $21.4M |
| Passivos Circulantes | $6.92B | $11.37B | $12.60B | $16.42B | $17.50B | $19.75B | $22.97B | $22.31B | $21.92B | $4.35B |
| Dívida de Longo Prazo | $333.6M | $1.45B | $1.70B | $1.69B | $1.72B | $1.72B | $1.23B | $1.34B | $1.11B | $620.0M |
| Passivos Totais | $7.25B | $12.97B | $14.30B | $18.27B | $19.38B | $21.48B | $24.19B | $23.92B | $23.35B | $21.12B |
| Reservas | $454.0M | $514.9M | $674.9M | $848.8M | $901.0M | $1.09B | $1.26B | $1.33B | $1.38B | $864.3M |
| Patrimônio Líquido | $1.15B | $2.08B | $2.25B | $2.99B | $2.98B | $3.25B | $3.27B | $3.43B | $3.53B | $3.42B |
| Dívida Total | $448.6M | $1.64B | $1.80B | $1.84B | $2.02B | $1.91B | $1.39B | $1.41B | $1.15B | $641.4M |
| Dívida Líquida | -$999.0M | -$547.8M | -$1.19B | -$2.45B | -$4.92B | -$6.86B | -$3.15B | -$2.36B | -$935.8M | -$3.01B |
| Capital de Giro | -$5.44B | -$9.13B | -$9.56B | -$12.07B | -$10.48B | -$10.91B | -$18.33B | -$18.42B | -$19.72B | -$600.9M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $643.7M | $380.4M | $342.6M | $377.6M |
| Ativos Totais | $24.21B | $24.54B | $24.69B | $24.78B |
| Passivos Totais | $20.85B | $21.12B | $21.26B | $21.29B |
| Patrimônio Líquido | $3.35B | $3.42B | $3.44B | $3.48B |
| Dívida Total | $690.2M | $641.4M | $771.2M | $1.30B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $96.8M | $92.9M | $215.7M | $238.2M | $254.9M | $271.2M | $256.4M | $175.1M | $152.7M | -$397.6M |
| Depreciação e Amortização | $17.0M | $21.1M | $28.4M | $36.3M | $49.0M | $47.2M | $49.0M | $47.9M | $46.1M | $52.7M |
| Compensação em Ações | $3.4M | $10.7M | $9.7M | $12.9M | $13.2M | $15.9M | $15.3M | $12.2M | $11.3M | $10.8M |
| Variação Capital de Giro | -$18.1M | -$18.7M | -$16.7M | $19.3M | $16.4M | -$71.1M | -$10.5M | $249.5M | $145.4M | $105.9M |
| Fluxo de Caixa Operacional | $91.1M | $114.6M | $227.0M | $256.1M | $202.5M | $277.8M | $322.2M | $541.0M | $425.9M | $461.2M |
| CapEx | -$18.9M | -$34.2M | -$29.7M | -$67.8M | -$13.3M | -$47.9M | -$35.3M | -$33.1M | -$45.5M | -$38.1M |
| Aquisições | $106.4M | -$38.8M | 0 | $178.3M | 0 | $25.4M | $276.4M | 0 | 0 | $30.0M |
| Recompra de Ações | -$30.9M | 0 | 0 | -$10.1M | -$113.3M | -$133.2M | -$111.1M | -$40.3M | 0 | 0 |
| Dividendos Pagos | -$28.8M | -$35.1M | -$55.6M | -$64.3M | -$74.6M | -$78.9M | -$94.1M | -$101.0M | -$105.4M | -$115.0M |
| Fluxo de Caixa Livre | $72.2M | $80.3M | $197.2M | $188.2M | $189.3M | $229.9M | $286.9M | $507.9M | $380.4M | $423.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $223.4M | $114.7M | $40.3M | $144.6M |
| CapEx | -$6.7M | -$10.0M | -$6.3M | -$19.0M |
| Fluxo de Caixa Livre | $216.7M | $104.7M | $34.0M | $125.5M |
| Dividendos Pagos | -$30.8M | -$30.8M | -$31.2M | -$31.1M |
| Compensação em Ações | $3.9M | -$1.8M | $3.6M | $3.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +21.6% | +55.3% | +20.0% | +0.9% | -13.6% | +20.2% | +31.6% | +7.8% | -56.7% |
| Crescimento Lucro Líquido (anual) | | -4.0% | +132.1% | +10.4% | +7.0% | +6.4% | -5.4% | -31.7% | -12.8% | -360.4% |
| Crescimento LPA (anual) | | -15.2% | +74.6% | +3.4% | -4.1% | +6.5% | -16.2% | -33.3% | -11.6% | -341.8% |
| Variação de Ações (anual) | | +48.6% | +0.9% | +22.4% | -3.0% | -0.1% | +15.4% | -1.5% | +0.7% | +6.8% |
| Crescimento FCF (anual) | | +11.2% | +145.5% | -4.6% | +0.5% | +21.5% | +24.8% | +77.0% | -25.1% | +11.2% |
| Margem Bruta | 90.2% | 87.3% | 79.5% | 76.9% | 80.1% | 94.3% | 84.5% | 55.9% | 49.5% | 5.8% |
| Margem Operacional | 33.4% | 29.7% | 32.8% | 31.1% | 32.6% | 39.2% | 30.1% | 15.0% | 11.8% | -84.2% |
| Margem EBITDA | 37.3% | 33.7% | 36.3% | 34.8% | 37.6% | 44.8% | 34.9% | 18.5% | 15.0% | -75.8% |
| Margem Líquida | 22.6% | 17.8% | 26.6% | 24.5% | 26.0% | 32.0% | 25.1% | 13.0% | 10.6% | -63.4% |
| Margem FCF | 16.8% | 15.4% | 24.3% | 19.4% | 19.3% | 27.1% | 28.1% | 37.9% | 26.3% | 67.5% |
| Taxa Efetiva de Imposto | 32.5% | 40.0% | 18.9% | 21.2% | 20.3% | 18.4% | 16.4% | 12.7% | 10.9% | 24.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.17 | $0.87 | $2.12 | $1.66 | $1.72 | $2.09 | $2.26 | $4.06 | $3.02 | $3.14 |
| Dividendo por Ação | $0.46 | $0.38 | $0.60 | $0.57 | $0.68 | $0.72 | $0.74 | $0.81 | $0.84 | $0.85 |
| Ações em Circulação (Básicas) | $61.3M | $92.0M | $92.3M | $113.6M | $109.9M | $109.9M | $127.0M | $125.2M | $125.5M | $134.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | -10.21% |
| Retorno sobre capital investido | -6.75% |
| Retorno sobre ativos | -1.41% |
| Margem bruta | 13.51% |
| Margem operacional | -85.86% |
| Margem líquida | -61.28% |
Saúde financeira
| Dívida / Patrimônio | 0.37 |
| Liquidez corrente | 76.98 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.67 | 21.31 | 10.31 | 11.07 | 9.31 | 11.98 | 10.43 | 14.38 | 18.18 | -6.39 |
| P/VP | 1.65 | 1.26 | 0.99 | 1.02 | 0.80 | 1.00 | 0.84 | 0.72 | 0.79 | 0.74 |
| P/V | 4.44 | 5.04 | 2.75 | 3.13 | 2.42 | 3.83 | 2.69 | 1.85 | 1.92 | 4.05 |
| Margem Bruta | 90.2% | 87.3% | 79.5% | 76.9% | 80.1% | 94.3% | 84.5% | 55.9% | 49.5% | 5.8% |
| Margem Operacional | 33.4% | 29.7% | 32.8% | 31.1% | 32.6% | 39.2% | 30.1% | 15.0% | 11.8% | -84.2% |
| Margem Líquida | 22.6% | 17.8% | 26.6% | 24.5% | 26.0% | 32.0% | 25.1% | 13.0% | 10.6% | -63.4% |