Simmons First National Corporation (SFNC) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Simmons First National Corporation

Market cap $3B · 52 weeks $17 – $24 (4 % below the high) · P/E 12.9× · 2027 expected P/E 10.1× · Dividend 3.7 % · 6 years rising · Next earnings January 19, 2027 · expected EPS $0.56 · Closing price, Oct 30 · accounts published Oct 15.

• Valuation: P/B 1.0× (expensive).
• Business: ROTCE −19.7 % (weak).
• Balance sheet: Capital/assets 13.9 % (solid).
• Earnings: 4 of 8 (uneven).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE del −19.7 % (0.8×) $19 (-20 %); at its peers' median (1.1×) $25 (+8 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 3 of 5 pass

• ROTCE −19.7 %, fails.
• P/B (Price / Book) 1.0×, fails.
• ROA 1.1 %, passes, near the threshold.
• Equity / Assets (Tier 1 proxy) 13.9 %, passes.
• Sustainable dividend yield 3.7 %, passes.

Against its peers (reference peers) — Simmons First National Corporation: P/E 12.9×; P/B 1.0×; ROE 7.6 %; $3.3B. TowneBank (P/E 10.2×; P/B 1.1×; ROE 12.4 %; $3.4B), First Financial Bancorp. (P/E 11.3×; P/B 1.2×; ROE 10.2 %; $3.4B), Seacoast Banking Corporation of Florida (P/E 19.7×; P/B 1.1×; ROE 6.1 %; $3.2B).

Expensive or cheap against its last ten fiscal years?

P/B at each close: today 1.0× · median 0.9× · minimum 0.6× · maximum 1.9× · cheap below 0.7× · expensive above 1.2×. It has been cheaper than today 57% of the time over its last ten fiscal years.

Dividend

solid · Yield 3.7 % ($0.85 per share in 2025) · Years raising it 6 · 5-year growth +5 % a year · With $1,000 invested today you'd collect $37.00 a year ($3.08 a month).