Tearsheet

Simmons First National (SFNC)

Market Price (3/2/2026): $19.915 | Market Cap: $2.8 Bil
Sector: Financials | Industry: Regional Banks

Simmons First National (SFNC)

Market Price (3/2/2026): $19.915
Market Cap: $2.8 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -80%	Weak multi-year price returns 2Y Excs Rtn is -20%, 3Y Excs Rtn is -70%	Expensive valuation multiples P/SPrice/Sales ratio is 56x
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 831%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 754%	Moderate capital ratio Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11%	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -93%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -35%, Rev Chg QQuarterly Revenue Change % is -434%
2	Attractive yield Dividend Yield is 4.0%, FCF Yield is 14%		Significant share based compensation SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 30%
3	Low stock price volatility Vol 12M is 29%		Valuation getting more expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 1732%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.		Yield minus risk free rate is negative ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -16%
5			Key risks SFNC key risks include [1] specific credit quality challenges stemming from problem loans to a hotel and a fast-food franchise operator, Show more.

0	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -80%
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 831%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 754%
2	Attractive yield Dividend Yield is 4.0%, FCF Yield is 14%
3	Low stock price volatility Vol 12M is 29%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5	Weak multi-year price returns 2Y Excs Rtn is -20%, 3Y Excs Rtn is -70%
6	Moderate capital ratio Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11%
7	Expensive valuation multiples P/SPrice/Sales ratio is 56x
8	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -93%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -35%, Rev Chg QQuarterly Revenue Change % is -434%
9	Significant share based compensation SBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 30%
10	Valuation getting more expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 1732%
11	Yield minus risk free rate is negative ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -16%
12	Key risks SFNC key risks include [1] specific credit quality challenges stemming from problem loans to a hotel and a fast-food franchise operator, Show more.

Valuation, Metrics & Events

	3/2/26	2025	2024	2023	2022	2021
Share Price CYE	$19.91	$18.85	$22.18	$19.84	$21.58	$29.58
Market Cap CYE ($ Bil)	2.8	2.6	2.8	2.5	2.8	3.2
Total Debt ($ Bil)	0.7	0.7	1.4	1.7	1.3	1.7
Total Cash ($ Bil)	0.6	0.6	0.6	0.6	0.7	1.8
Enterprise Value ($ Bil)	2.8	3.3	4.2	4.2	4.1	4.9
Valuation Ratios
P/S TTM	55.7	52.7	3.8	3.0	3.3	4.1
P/EBIT TTM	-	-	-	-	-	-
P/E TTM	-6.5	-6.2	21.7	10.7	12.5	11.6
P/FCF TTM	7.4	7.0	3.9	13.9	11.2	10.3
Sector Ratios
P/S TTM (Sector)	3.2	3.2	3.1	2.7	2.8	3.4
P/EBIT TTM (Sector)	7.4	7.7	8.1	6.9	6.9	6.9
P/E TTM (Sector)	11.7	11.6	11.8	9.6	9.4	10.2
P/FCF TTM (Sector)	8.6	8.6	8.9	7.2	6.4	7.6

	3/2/26	2025	2024
Share Price CYE	$19.91	$18.85	$22.18
Market Cap CYE ($ Bil)	2.8	2.6	2.8
Total Debt ($ Bil)	0.7	0.7	1.4
Total Cash ($ Bil)	0.6	0.6	0.6
Enterprise Value ($ Bil)	2.8	3.3	4.2
Valuation Ratios
P/S TTM	55.7	52.7	3.8
P/EBIT TTM	-	-	-
P/E TTM	-6.5	-6.2	21.7
P/FCF TTM	7.4	7.0	3.9
Sector Ratios
P/S TTM (Sector)	3.2	3.2	3.1
P/EBIT TTM (Sector)	7.4	7.7	8.1
P/E TTM (Sector)	11.7	11.6	11.8
P/FCF TTM (Sector)	8.6	8.6	8.9

	SFNC	S&P 500
REVENUE GROWTH	VERY POOR
Rev LTM ($ Bil)	0.1
Rev Chg Q	-433.7%	7.6%
Rev Chg LTM	-93.2%	6.6%
Rev Chg 3Y Avg	-35.2%	5.7%
PROFITABILITY	VERY POOR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.4
Net Inc LTM ($ Bil)	-0.4
CFO/Rev LTM	830.9%	20.8%
Net Inc Mgn	-852.1%	12.9%
VALUATION	VERY HIGH
P/S	55.7	3.4
P/CFO	6.7	16.6
P/FCF	7.4	21.5
P/E	-6.5	25.2

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Metric	Value	Date	Source
Number of Financial Centers	approximately 223	11062025	Link
Commercial Loan Pipeline	1.3 billion	1212025	Link
Ready to Close Loans	552 million	1212025	Link
Consecutive Years of Paying Cash Dividends	116	7172025	Link

Recent
2/25/2026	Earnings Release	Rev: $358 Mil (A) vs. $null (E) EPS: 0.54 (A) vs. $- (E)
Upcoming
3/13/2026	Dividend	Amount: $0.21 Payment On: 4/01/2026
4/15/2026	Earnings Release	Rev: $243 Mil (E) EPS: $0.48 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Stock Movement Drivers

Fundamental Drivers

The 8.5% change in SFNC stock from 11/30/2025 to 3/1/2026 was primarily driven by a 8.5% change in the company's P/S Multiple.

(LTM values as of)	11302025	3012026	Change
Stock Price ($)	18.35	19.91	8.5%
Change Contribution By:
Total Revenues ($ Mil)	50	50	0.0%
P/S Multiple	51.3	55.7	8.5%
Shares Outstanding (Mil)	140	140	0.0%
Cumulative Contribution			8.5%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 3/1/2026

	Return	Correlation
SFNC	8.5%
Market (SPY)	0.4%	34.1%
Sector (XLF)	-3.6%	56.1%

Fundamental Drivers

The -2.1% change in SFNC stock from 8/31/2025 to 3/1/2026 was primarily driven by a -93.7% change in the company's Total Revenues ($ Mil).

(LTM values as of)	8312025	3012026	Change
Stock Price ($)	20.34	19.91	-2.1%
Change Contribution By:
Total Revenues ($ Mil)	795	50	-93.7%
P/S Multiple	3.2	55.7	1626.4%
Shares Outstanding (Mil)	126	140	-10.2%
Cumulative Contribution			-2.1%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 3/1/2026

	Return	Correlation
SFNC	-2.1%
Market (SPY)	6.6%	36.7%
Sector (XLF)	-4.4%	60.4%

Fundamental Drivers

The -5.4% change in SFNC stock from 2/28/2025 to 3/1/2026 was primarily driven by a -93.4% change in the company's Total Revenues ($ Mil).

(LTM values as of)	2282025	3012026	Change
Stock Price ($)	21.04	19.91	-5.4%
Change Contribution By:
Total Revenues ($ Mil)	763	50	-93.4%
P/S Multiple	3.5	55.7	1506.7%
Shares Outstanding (Mil)	126	140	-10.4%
Cumulative Contribution			-5.4%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2025 to 3/1/2026

	Return	Correlation
SFNC	-5.4%
Market (SPY)	16.5%	54.9%
Sector (XLF)	-0.4%	67.0%

Fundamental Drivers

The 2.0% change in SFNC stock from 2/28/2023 to 3/1/2026 was primarily driven by a 1864.6% change in the company's P/S Multiple.

(LTM values as of)	2282023	3012026	Change
Stock Price ($)	19.52	19.91	2.0%
Change Contribution By:
Total Revenues ($ Mil)	875	50	-94.3%
P/S Multiple	2.8	55.7	1864.6%
Shares Outstanding (Mil)	127	140	-9.4%
Cumulative Contribution			2.0%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2023 to 3/1/2026

	Return	Correlation
SFNC	2.0%
Market (SPY)	79.6%	48.0%
Sector (XLF)	50.6%	65.9%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
SFNC Return	40%	-25%	-4%	17%	-11%	13%	18%
Peers Return	18%	-30%	30%	1%	22%	5%	40%
S&P 500 Return	27%	-19%	24%	23%	16%	1%	84%
Monthly Win Rates [3]
SFNC Win Rate	67%	25%	42%	67%	58%	100%
Peers Win Rate	33%	47%	58%	44%	80%	60%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
SFNC Max Drawdown	0%	-31%	-32%	-17%	-21%	-1%
Peers Max Drawdown	-8%	-38%	-27%	-17%	-7%	-3%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-1%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CBC, HYNE, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/27/2026 (YTD)

How Low Can It Go

Unique Key	Event	SFNC	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-56.6%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	130.6%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-46.0%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	85.2%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	254 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-32.9%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	49.0%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	Not Fully Recovered days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-43.6%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	77.3%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	1,747 days	1,480 days

Compare to NEWT, ATLO, CBC, HYNE, NU

In The Past

Simmons First National's stock fell -56.6% during the 2022 Inflation Shock from a high on 11/11/2021. A -56.6% loss requires a 130.6% gain to breakeven.

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About Simmons First National (SFNC)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

Simmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. It offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; insurance products; and securities and investment services. The company also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. As of January 27, 2022, the company operated through 199 financial centers in Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

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Here are 1-3 brief analogies for Simmons First National (SFNC):

A regional Bank of America, focused on the South Central US.
Like a smaller, South Central US version of JPMorgan Chase, offering a full range of banking services.
A full-service regional bank for the South Central US, similar to a localized Wells Fargo.

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Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
Commercial Loans: Provides financing solutions for businesses, including commercial real estate, equipment, and lines of credit.
Consumer Loans: Extends credit to individuals for purposes such as home mortgages, auto purchases, and personal needs.
Wealth Management & Trust Services: Delivers investment management, financial planning, and fiduciary services to grow and protect clients' assets.
Treasury Management Services: Offers businesses solutions for efficient cash flow management, payment processing, and fraud prevention.
Credit Cards: Provides credit card options for both consumer and business use, facilitating purchases and offering revolving credit.

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Simmons First National (SFNC), as a bank holding company, serves a diverse customer base rather than a few named major corporate clients. Therefore, it sells primarily to individuals and a broad range of businesses, which can be categorized as follows:

Individuals/Consumers: This category includes individual customers who utilize Simmons Bank for personal financial services such as checking accounts, savings accounts, mortgages, home equity loans, auto loans, personal loans, credit cards, and wealth management services.
Small to Medium-sized Businesses (SMBs): This segment comprises local and regional businesses within Simmons Bank's operating footprint (Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas). These customers use services like business checking and savings accounts, lines of credit, term loans, commercial real estate loans, equipment financing, and treasury management solutions.
Commercial and Corporate Clients: This category encompasses larger businesses, corporations, and institutions that require more extensive and complex banking services. This can include syndicated loans, larger commercial real estate financing, specialized industry lending, and advanced treasury management services.

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Here is the management team for Simmons First National (SFNC):

George A. Makris, Jr., Chairman and Chief Executive Officer

Mr. Makris has served as Chairman and Chief Executive Officer of Simmons First National Corporation since 2014, having joined the company in January 2013. Prior to his tenure at Simmons, he was the President of M. K. Distributors Inc. from 1985 to 2013, having started there in 1980. He also held positions as a Director at Worthen National Bank from 1985 to 1996 and as its Chairman from 1994 to 1996; Worthen National Bank later became part of Bank of America Corp. Mr. Makris is recognized for leading Simmons' growth and geographic expansion, often through strategic acquisitions. He brought a non-traditional, growth-focused approach to banking, drawing lessons from his experience in the wholesale distribution business.

C. Daniel Hobbs, Executive Vice President and Chief Financial Officer

Mr. Hobbs assumed the role of Executive Vice President and Chief Financial Officer for Simmons First National Corporation effective December 4, 2023. Before joining Simmons, he served as an Executive Vice President and Head of Finance for a Southeastern Bank with assets exceeding $150 billion. His previous experience also includes serving as the Director for Financial Planning and Decision Support of Sak, and he held various other finance-related positions covering operations and technology, digital, marketing, procurement, and corporate real estate.

Jay Brogdon, President

Mr. Brogdon has served as President of Simmons First National Corporation and Simmons Bank since January 2023, with oversight of all revenue lines, finance, operations, information technology, and corporate strategy. He is slated to assume the additional role of CEO effective January 1, 2026. Before his appointment as President, Mr. Brogdon joined Simmons in 2021 as Chief Financial Officer. Prior to Simmons, he spent over 13 years at Stephens Inc., where he was a managing director in the investment banking division, and also worked for four years at Deloitte.

Chris Van Steenberg, Executive Vice President and Chief Operating Officer

Mr. Van Steenberg joined Simmons First National Corporation as Chief Operating Officer effective November 12, 2024. He brings more than 25 years of experience in the financial services industry. Previously, he held the position of Executive Vice President and Head of Finance for Regions Financial Corp., and also served as Chief Financial Officer for their Consumer Division. Most recently, he was the Executive Vice President, Chief Digital and Product Officer for a Mid-South bank with over $80 billion in assets.

David W. Garner, Executive Vice President and Chief Accounting Officer

Mr. Garner has held the position of Executive Vice President and Chief Accounting Officer for Simmons First National Corporation since December 2019. In this role, he also serves as the Chief Accounting Officer of Simmons Bank. Prior to his current role, he served as an Executive Vice President and Controller at the company.

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The key risks to Simmons First National (SFNC) include:

Credit Quality Risks and Nonperforming Assets: Simmons First National faces significant risks related to the quality of its loan portfolio, including elevated nonperforming assets and potential increases in delinquency and foreclosure rates, particularly in commercial real estate. In the first quarter of 2025, the company reported specific credit quality challenges, including issues with a loan for a hotel property and a fast-food franchise operator, which was further complicated by a fraud event.
Interest Rate Risk and Economic Uncertainties: The company is exposed to risks from fluctuations in interest rates, which can impact its net interest income, the value of investment securities, the cost of funds, and overall loan demand. Furthermore, general economic uncertainties and potential recessionary pressures pose significant threats to SFNC's operational and financial performance.
Competitive Banking Landscape and Regulatory Changes: Simmons First National operates in a highly competitive banking environment, facing pressure from both traditional financial institutions and emerging fintech companies. This intense competition could hinder the company's ability to expand its customer base and maintain profitability. Additionally, the banking sector is subject to extensive federal and state regulations, and any changes to these laws or actions by regulatory bodies could lead to increased compliance costs and limit business opportunities.

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The continued rise and expansion of Fintech challenger banks and neobanks. These digital-first institutions leverage technology to offer lower fees, higher interest rates on deposits, and superior digital user experiences. They directly compete for Simmons First National's core deposit base and lending customers, particularly among younger, digitally-native generations, by providing more convenient and often cheaper alternatives for basic banking services.
The increasing foray of Big Tech companies (e.g., Apple, Google, Amazon) into core financial services. These companies possess massive customer bases, immense data, and strong brand loyalty. Their expansion into offerings like high-yield savings accounts, payment solutions, and potentially lending, often integrated seamlessly into their existing ecosystems, poses a significant competitive threat by drawing deposits and transaction volumes away from traditional regional banks.

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Simmons First National Corporation (SFNC) primarily offers a range of banking and financial services, including consumer, real estate, and commercial loans, alongside checking, savings, and time deposit accounts. The company's operations are concentrated in the U.S. states of Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.

Addressable Market Sizes for Main Products/Services:

Commercial Banking:
- United States: The commercial banking market is estimated at USD 732.5 billion in 2025.
- Arkansas: The commercial banking industry market size is USD 13.0 billion in 2025.
- Missouri: The commercial banking industry market size is USD 29.4 billion in 2025.
- Oklahoma: The commercial banking industry market size is USD 13.4 billion in 2025.
- Tennessee: The commercial banking industry market size is USD 23.0 billion in 2025.
- Texas: The commercial banking industry market size is USD 108.7 billion in 2025.
- Kansas: Market size unable to be specifically identified in the search results.
Consumer Banking (including deposits and various consumer loans, excluding mortgages):
- United States: The retail banking market (which encompasses consumer banking services and deposits) stands at USD 0.87 trillion in 2025. State-specific market sizes for the full scope of consumer banking were not available in the search results.
Real Estate/Home Loans (Mortgages):
- United States: The home loan market is USD 2.29 trillion in 2025. The purchase-mortgage market in the U.S. is valued at USD 1,145.4 billion. State-specific market sizes for real estate/home loans were not available in the search results.

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Simmons First National (SFNC) is expected to drive future revenue growth over the next two to three years through several key strategies:

Net Interest Margin (NIM) Expansion: The company anticipates continued improvement in its net interest margin, primarily fueled by the repricing of approximately $3 billion in fixed-rate loans over the next 24 months, which were originated in a lower interest rate environment. This is complemented by a strategic shift towards variable-rate loan origination and ongoing efforts to optimize its deposit mix by prioritizing core, low-cost customer deposits to reduce funding costs.
Disciplined Loan Growth: Simmons First National expects to achieve moderate loan growth by leveraging its current pipeline and ongoing lending activities. The company emphasizes maintaining a disciplined approach within a competitive lending environment to ensure sustainable and profitable expansion.
Expansion into High-Growth Markets and Digital Banking: A strategic focus for Simmons First National is to expand its geographical footprint, particularly in economically robust regions. Concurrently, the company plans to invest in enhancing its digital banking platforms and offering innovative online and mobile services to attract tech-savvy customers and boost operational efficiency.
Strategic Acquisitions and Capitalizing on Industry Consolidation: The company aims to drive future business expansion by actively pursuing strategic acquisitions and capitalizing on industry dislocation in key markets. These initiatives are intended to improve Simmons First National's competitive standing and diversify its revenue streams.

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Share Repurchases

In January 2024, Simmons First National authorized a new stock repurchase program allowing for the repurchase of up to $175 million of Class A common stock, though no shares were repurchased under this program in 2024.
A stock repurchase program was also authorized on January 27, 2022, enabling the company to repurchase up to $175 million of its Class A common stock.
Over the last three to five years, significant repurchases included approximately $77.95 million in Q4 2021, $50.05 million in Q2 2022, and $19.97 million in Q3 2023.

Share Issuance

In the third quarter of 2025, Simmons First National issued 18,653,000 common shares, raising $327.4 million to strengthen its capital and funding position.
The company filed a shelf registration in 2024 to provide flexibility for future capital raising activities.

Outbound Investments

In October 2021, Simmons First National completed the acquisitions of Landmark Community Bank and Triumph Bancshares, Inc., which included its wholly-owned bank subsidiary, Triumph Bank.

Interactive Breakdown

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Better Bets vs. Simmons First National (SFNC)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Would You Still Hold Simmons First National Stock If It Fell 30%?	10/17/2025
2	Why Simmons First National Stock Moved: SFNC Stock Has Lost 23% Since 2021 Fiscal End, Primarily Due To Unfavorable Change In Revenues	08/08/2025
3	Simmons First National (SFNC) Valuation Ratios Comparison	08/08/2025
4	SFNC Dip Buy Analysis	07/10/2025
5	Why You Shouldn Not Be Buying Simmons First National Stock	02/28/2025
6	Simmons First National (SFNC) Operating Cash Flow Comparison	02/17/2025
7	Simmons First National (SFNC) Net Income Comparison	02/16/2025
8	Fundamental Metrics: ...	06/19/2024

	Title
0	ARTICLES

Trade Ideas

Select ideas related to SFNC.

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NDAQ_2282026_Insider_Buying_45D_2Buy_200K	02282026	NDAQ	Nasdaq	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
JEF_2272026_Dip_Buyer_ValueBuy	02272026	JEF	Jefferies Financial	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	0.0%	0.0%	0.0%
PAYO_2272026_Dip_Buyer_High_CFO_Margins_ExInd_DE	02272026	PAYO	Payoneer Global	Dip Buy	DB \| CFO/Rev \| Low D/EDip Buy with High Cash Flow Margins Buying dips for companies with significant cash flows from operations and reasonable debt / market cap	0.0%	0.0%	0.0%
FOUR_2272026_Dip_Buyer_High_FCF_Yield_ExInd_DE_RevG	02272026	FOUR	Shift4 Payments	Dip Buy	DB \| FCF Yield \| Low D/EDip Buy with High Free Cash Flow Yield Buying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap	0.0%	0.0%	0.0%
COIN_2202026_Dip_Buyer_High_CFO_Margins_ExInd_DE	02202026	COIN	Coinbase Global	Dip Buy	DB \| CFO/Rev \| Low D/EDip Buy with High Cash Flow Margins Buying dips for companies with significant cash flows from operations and reasonable debt / market cap	2.6%	2.6%	-6.5%
SFNC_7312025_Insider_Buying_GTE_1Mil_EBITp+DE_V2	07312025	SFNC	Simmons First National	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	8.3%	6.1%	-9.0%

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Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
RUN	Sunrun	3.1	-35.1%	-28.0%
PAR	PAR Technology	0.7	-27.0%	-54.8%
FIGR	Figure Technology Solutions	2.6	-25.7%	-38.1%
WLDN	Willdan	1.3	-25.5%	-14.0%
AIV	Apartment Investment & Management	0.6	-24.0%	-25.8%
AMPH	Amphastar Pharmaceuticals	0.9	-23.6%	-24.5%
PCT	PureCycle Technologies	1.1	-22.3%	-26.5%
PGNY	Progyny	1.5	-20.5%	-31.1%
CRI	Carter's	1.2	-20.3%	3.5%
BFLY	Butterfly Network	1.0	-18.8%	-0.3%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
ACLX	Arcellx	6.4	77.5%	74.5%
AAOI	Applied Optoelectronics	5.3	63.0%	141.6%
PVLA	Palvella Therapeutics	1.5	57.6%	29.0%
VNDA	Vanda Pharmaceuticals	0.5	54.7%	1.0%
PRAA	PRA	0.6	46.1%	-11.0%
YOU	Clear Secure	4.7	41.9%	38.7%
PRME	Prime Medicine	0.7	41.3%	33.1%
BWIN	Baldwin Insurance	1.6	40.5%	-3.3%
ACHC	Acadia Healthcare	2.1	39.6%	65.2%
NEWP	New Pacific Metals	1.0	37.8%	62.1%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
EOSE	Eos Energy Enterprises	1.5	-46.8%	-50.3%
SHLS	Shoals Technologies	1.0	-44.1%	-30.2%
MNKD	MannKind	1.0	-40.8%	-42.2%
ERII	Energy Recovery	0.6	-35.8%	-22.7%
DRVN	Driven Brands	1.8	-35.6%	-25.8%
RUN	Sunrun	3.1	-34.7%	-28.0%
QURE	uniQure	0.9	-33.3%	-34.7%
ARRY	Array Technologies	1.2	-32.5%	-17.8%
CWH	Camping World	0.5	-32.2%	-14.5%
PCT	PureCycle Technologies	1.1	-29.8%	-26.5%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
AXTI	AXT	1.7	125.2%	131.8%
FSLY	Fastly	2.8	92.7%	87.8%
NKTR	Nektar Therapeutics	1.3	92.1%	63.2%
ALLO	Allogene Therapeutics	0.6	91.7%	102.9%
AAOI	Applied Optoelectronics	5.3	86.2%	141.6%
LITE	Lumentum	49.8	82.1%	90.2%
ACHC	Acadia Healthcare	2.1	74.4%	65.2%
PVLA	Palvella Therapeutics	1.5	71.5%	29.0%
NMRA	Neumora Therapeutics	0.6	71.1%	95.0%
VAL	Valaris	6.7	68.5%	90.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
EOSE	Eos Energy Enterprises	1.5	-65.9%	-50.3%
FIGR	Figure Technology Solutions	2.6	-62.8%	-38.1%
MPT	Medical Properties Trust	3.5	-54.8%	-54.8%
U	Unity Software	7.7	-54.6%	-58.7%
FLNC	Fluence Energy	2.0	-49.9%	-21.4%
HIMS	Hims & Hers Health	3.3	-49.4%	-55.3%
KD	Kyndryl	2.8	-48.0%	-53.6%
GRAL	GRAIL	1.9	-47.3%	-37.8%
PGY	Pagaya Technologies	0.9	-46.9%	-46.5%
NSP	Insperity	0.8	-45.5%	-42.6%

Peer Comparisons

Peers to compare with:

Financials

	SFNC	NEWT	ATLO	CBC	HYNE	NU	Median
Name	Simmons .	NewtekOne	Ames Nat.	Central .	Hoyne Ba.	Nu
Mkt Price	19.91	12.28	27.01	-	14.51	14.98	14.98
Mkt Cap	2.8	0.3	0.2	-	-	72.5	1.6
Rev LTM	50	269	63	-	14	9,600	63
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	378	-520	19	-	-2	3,666	19
FCF 3Y Avg	427	-229	16	-	-	1,968	221
CFO LTM	417	-519	20	-	-1	4,040	20
CFO 3Y Avg	466	-228	18	-	-	2,188	242

Growth & Margins

	SFNC	NEWT	ATLO	CBC	HYNE	NU	Median
Name	Simmons .	NewtekOne	Ames Nat.	Central .	Hoyne Ba.	Nu
Rev Chg LTM	-93.2%	21.8%	18.0%	-	-	22.3%	19.9%
Rev Chg 3Y Avg	-35.2%	31.6%	0.3%	-	-	62.1%	15.9%
Rev Chg Q	-433.7%	20.7%	22.9%	-	37.1%	30.2%	22.9%
QoQ Delta Rev Chg LTM	-93.7%	4.7%	5.2%	-	7.8%	7.1%	5.2%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	830.9%	-193.4%	31.5%	-	-10.8%	42.1%	31.5%
CFO/Rev 3Y Avg	320.3%	-91.8%	31.1%	-	-	21.7%	26.4%
FCF/Rev LTM	753.7%	-193.4%	30.8%	-	-15.9%	38.2%	30.8%
FCF/Rev 3Y Avg	291.2%	-91.9%	27.1%	-	-	18.7%	22.9%

Valuation

	SFNC	NEWT	ATLO	CBC	HYNE	NU	Median
Name	Simmons .	NewtekOne	Ames Nat.	Central .	Hoyne Ba.	Nu
Mkt Cap	2.8	0.3	0.2	-	-	72.5	1.6
P/S	55.7	1.2	3.8	-	-	7.6	5.7
P/EBIT	-	-	-	-	-	-	-
P/E	-6.5	5.3	15.0	-	-	28.7	10.1
P/CFO	6.7	-0.6	12.1	-	-	17.9	9.4
Total Yield	-11.3%	18.9%	9.6%	-	-	3.5%	6.6%
Dividend Yield	4.0%	0.0%	3.0%	-	-	0.0%	1.5%
FCF Yield 3Y Avg	15.8%	-76.6%	8.6%	-	-	2.8%	5.7%
D/E	0.2	2.4	0.1	-	-	0.0	0.2
Net D/E	-0.8	1.7	-1.2	-	-	-0.4	-0.6

Returns

	SFNC	NEWT	ATLO	CBC	HYNE	NU	Median
Name	Simmons .	NewtekOne	Ames Nat.	Central .	Hoyne Ba.	Nu
1M Rtn	-2.1%	-9.0%	4.4%	-	1.2%	-15.6%	-2.1%
3M Rtn	8.5%	16.8%	26.0%	-	3.6%	-13.9%	8.5%
6M Rtn	-2.1%	2.6%	37.6%	-	3.6%	1.2%	2.6%
12M Rtn	-5.4%	1.1%	49.7%	-	3.6%	39.3%	3.6%
3Y Rtn	4.5%	-4.3%	29.4%	-	3.6%	220.8%	4.5%
1M Excs Rtn	1.5%	-8.7%	10.1%	-	3.3%	-18.7%	1.5%
3M Excs Rtn	5.9%	17.4%	24.8%	-	2.0%	-11.5%	5.9%
6M Excs Rtn	-8.6%	-3.7%	33.2%	-	-2.5%	-3.8%	-3.7%
12M Excs Rtn	-18.9%	-8.1%	33.9%	-	-11.9%	15.0%	-8.1%
3Y Excs Rtn	-70.0%	-93.5%	-45.4%	-	-68.7%	137.8%	-68.7%

FDIC Bank Data

Bank Capital

FDIC Data As Of	3312018
CAPITAL
Equity Total Capital ($ Bil)	2
Tier 1 (Core) Capital ($ Bil)	1
ASSETS
Total Assets ($ Bil)	13
Adjusted Average Assets ($ Bil)	12
Risk Weighted Assets Adjusted ($ Bil)	10
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio	8.9%
Tier 1 Capital / Adjusted Avg Assets Ratio	9.7%
Tier 1 Capital / Risk Wtd Assets Ratio	11.4%

Bank Deposits

FDIC Data As Of	3312018
DEPOSITS
Total Deposits ($ Bil)	10
Uninsured Deposits ($ Bil)	4
Uninsured Deposits Ratio %	44.4%

Bank Assets

FDIC Data As Of	3312018
ASSETS
Cash Balance ($ Bil)	1
Securities ($ Bil)	2
Net Loans ($ Bil)	9
Trading Assets ($ Bil)	0
Bank Premises Assets ($ Bil)	0
Other Real Estate Owned ($ Bil)	0
Goodwill & Intangibles ($ Bil)	1
Other Assets ($ Bil)	0
Total Assets (Sum) ($ Bil)	13
Total Assets (Reported) ($ Bil)	13
Risk Weighted Assets ($ Bil)	10
SECURITIES DETAILS
US Govt Securities ($ Bil)	1
Equity Securities Not Held for Trading ($ Bil)	0
Total Debt Securities ($ Bil)	2
Mortgage-Backed Securities ($ Bil)	1
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil)	0
Securities Available for Sale (Fair Market) ($ Bil)	1

Bank Loans

FDIC Data As Of	3312018
LOAN DETAILS
All Real Estate Loans ($ Bil)	7
Farm Loans ($ Bil)	0
Commercial and Industrial Loans ($ Bil)	1
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)	0
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)	0
Commercial Real Estate Owner-Occupied ($ Bil)	1
Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)	2
Total Net Loans ($ Bil)	9

FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	11/6/2025	2/27/2025	2/27/2024	2/27/2023	2/25/2022	2/25/2021	2/27/2020
Key Financials
Total Revenue	50	763	782	875	768	861	791
Net Income	-427	153	175	256	271	255	238
EPS	-2.93	1.22	1.39	2.07	2.47	2.32	2.42
Growth Rates
Total Revenue Growth	-93.2%	-2.4%	-10.7%	13.9%	-10.7%	8.9%	15.9%
Net Income Growth	-433.1%	-12.8%	-31.7%	-5.4%	6.4%	7.0%	10.4%
Margins
Net Income Margin	-852.1%	20.0%	22.4%	29.3%	35.3%	29.6%	30.1%
Cash & Debt
Total Cash	2,904	2,085	3,766	4,536	8,766	6,947	4,290
Total Debt	668	1,112	1,339	1,225	1,722	1,725	1,686
Net Debt / (Cash)	-2,237	-973	-2,428	-3,310	-7,044	-5,222	-2,604
Cash Flows
Net Cash from Operations	417	426	541	322	278	203	256
Free Cash from Operations	378	380	508	287	230	189	188
Returns to Shareholders
Dividends	111	105	101	94	79	75	64
Share Repurchases	-0	-0	40	111	133	113	52

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	11/6/2025	8/5/2025	5/8/2025	2/27/2025	11/7/2024	8/6/2024	5/7/2024	2/27/2024	11/6/2023	8/4/2023	5/5/2023	2/27/2023
Key Financials Quarterly
Total Revenue	-573	211	207	205	172	194	192	176	194	205	207	234
Net Income	-563	55	32	48	25	41	39	24	47	58	46	83
EPS	-4.01	0.43	0.26	0.39	0.20	0.32	0.31	0.19	0.38	0.46	0.36	0.66
Key Financials TTM
Total Revenue TTM	50	795	778	763	733	755	766	782	840	880	897	875
Net Income TTM	-427	160	146	153	128	151	168	175	234	268	237	256
Growth Rates Quarterly
Total Revenue Growth	-433.7%	8.8%	7.7%	17.0%	-11.5%	-5.3%	-7.4%	-25.1%	-16.9%	-7.9%	11.9%	18.6%
Net Income Growth	-2374.8%	34.4%	-16.7%	102.1%	-47.6%	-30.1%	-14.7%	-71.3%	-41.4%	112.4%	-30.0%	72.6%
Margins Quarterly
Net Income Margin	-	26.0%	15.7%	23.5%	14.4%	21.0%	20.3%	13.6%	24.3%	28.5%	22.0%	35.5%
Cash & Debt
Total Cash	2,904	3,050	3,126	2,085	3,295	3,460	3,631	3,766	3,964	4,326	4,281	4,536
Total Debt	668	1,001	1,251	1,112	1,412	1,713	1,238	1,339	1,714	1,739	1,390	1,225
Net Debt / (Cash)	-2,237	-2,049	-1,875	-973	-1,882	-1,748	-2,393	-2,428	-2,250	-2,587	-2,891	-3,310
Cash Flows Quarterly
FCF from Operations	223	78	33	83	199	86	58	421	-38	60	99	96
Cash Flows TTM
FCF from Operations TTM	417	393	401	426	764	526	500	541	216	303	360	322
Returns to Shareholders Quarterly
Dividends	31	27	27	26	26	26	26	25	25	25	25	24
Share Repurchases	-0	-0	-0	-0	-0	-0	-0	0	20	20	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-749.3%	244.8%	47.3%	16.4%	34.0%	46.0%	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-142.2%	179.1%	53.4%	13.0%	44.0%	42.5%	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Community and Commercial Banking	771			861	791
Other	34
Single Segment		875	767
Total	806	875	767	861	791

Net Income by Segment

$ Mil	2024	2023	2022	2021	2020
Community and Commercial Banking	165
Other	10
Total	175

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Community and Commercial Banking	27,339
Other	7
Total	27,346

Price Behavior

Price Behavior

Market Price	$19.91
Market Cap ($ Bil)	2.8
First Trading Date	11/02/1992
Distance from 52W High	-8.7%
	50 Days	200 Days
DMA Price	$20.12	$19.16
DMA Trend	up	up
Distance from DMA	-1.0%	3.9%
	3M	1YR
Volatility	33.6%	29.5%
Downside Capture	41.49	89.09
Upside Capture	93.04	69.54
Correlation (SPY)	31.9%	55.6%

SFNC Betas & Captures as of 2/28/2026

	1M	2M	3M	6M	1Y	3Y
Beta	1.17	1.21	1.05	0.95	0.84	1.04
Up Beta	1.15	3.38	3.29	2.18	0.78	0.99
Down Beta	1.43	0.62	0.58	0.82	0.96	0.97
Up Capture	126%	108%	93%	54%	59%	91%
Bmk +ve Days	9	20	31	70	142	431
Stock +ve Days	13	22	30	59	125	365
Down Capture	100%	67%	43%	80%	93%	105%
Bmk -ve Days	12	21	30	54	109	320
Stock -ve Days	7	18	30	64	123	380

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with SFNC
SFNC	-3.4%	29.4%	-0.11	-
Sector ETF (XLF)	2.2%	19.8%	-0.00	67.0%
Equity (SPY)	16.5%	19.4%	0.66	54.5%
Gold (GLD)	81.3%	25.7%	2.29	-2.5%
Commodities (DBC)	13.4%	16.9%	0.58	11.9%
Real Estate (VNQ)	7.3%	16.6%	0.25	46.0%
Bitcoin (BTCUSD)	-22.0%	44.9%	-0.42	21.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with SFNC
SFNC	-3.5%	31.5%	-0.06	-
Sector ETF (XLF)	11.3%	18.8%	0.48	67.6%
Equity (SPY)	13.6%	17.0%	0.63	49.3%
Gold (GLD)	23.5%	17.1%	1.12	0.9%
Commodities (DBC)	10.6%	19.0%	0.44	14.1%
Real Estate (VNQ)	5.1%	18.8%	0.18	47.9%
Bitcoin (BTCUSD)	4.0%	57.0%	0.29	17.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with SFNC
SFNC	2.7%	34.1%	0.17	-
Sector ETF (XLF)	13.8%	22.2%	0.57	74.1%
Equity (SPY)	15.4%	17.9%	0.74	56.4%
Gold (GLD)	15.3%	15.6%	0.82	-7.0%
Commodities (DBC)	8.7%	17.6%	0.41	20.2%
Real Estate (VNQ)	6.6%	20.7%	0.28	49.2%
Bitcoin (BTCUSD)	65.8%	66.8%	1.05	12.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	2132026
Short Interest: Shares Quantity	5.0 Mil
Short Interest: % Change Since 1312026	12.7%
Average Daily Volume	1.2 Mil
Days-to-Cover Short Interest	4.0 days
Basic Shares Quantity	140.2 Mil
Short % of Basic Shares	3.6%

Returns Analyses

	Title
0	Would You Still Hold Simmons First National Stock If It Fell 30%?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
1/20/2026	8.9%	4.8%	9.8%
10/16/2025	1.5%	-1.3%	-0.4%
7/17/2025	1.9%	-0.2%	0.7%
4/16/2025	-4.0%	3.1%	10.1%
1/21/2025	-1.9%	0.2%	-3.9%
10/18/2024	-0.1%	0.6%	5.1%
7/24/2024	-1.9%	-0.2%	-6.5%
4/24/2024	-3.1%	-9.1%	-4.3%
...
SUMMARY STATS
# Positive	8	12	13
# Negative	16	12	11
Median Positive	1.7%	2.7%	6.9%
Median Negative	-3.0%	-1.3%	-3.7%
Max Positive	8.9%	4.8%	19.6%
Max Negative	-9.1%	-9.1%	-15.5%

	Forward Returns
1/20/2026	8.9%	4.8%	9.8%
10/16/2025	1.5%	-1.3%	-0.4%
7/17/2025	1.9%	-0.2%	0.7%
4/16/2025	-4.0%	3.1%	10.1%
1/21/2025	-1.9%	0.2%	-3.9%
10/18/2024	-0.1%	0.6%	5.1%
7/24/2024	-1.9%	-0.2%	-6.5%
4/24/2024	-3.1%	-9.1%	-4.3%
1/24/2024	5.6%	4.8%	-2.1%
10/24/2023	-5.7%	-6.2%	5.3%
7/25/2023	-2.0%	2.3%	-13.1%
4/25/2023	-6.0%	-0.2%	3.7%
1/24/2023	-9.1%	-6.4%	-3.7%
10/25/2022	-3.6%	-1.4%	-2.5%
7/21/2022	0.1%	4.4%	15.9%
4/28/2022	0.6%	2.1%	3.7%
1/27/2022	-2.4%	-2.6%	-2.1%
10/26/2021	-1.0%	-0.2%	-2.3%
7/27/2021	0.0%	0.4%	6.9%
4/20/2021	-5.4%	-0.5%	3.9%
1/26/2021	-3.0%	-5.1%	14.3%
10/19/2020	-3.4%	3.4%	19.6%
7/21/2020	8.6%	4.7%	9.2%
4/21/2020	-0.4%	1.9%	-15.5%
SUMMARY STATS
# Positive	8	12	13
# Negative	16	12	11
Median Positive	1.7%	2.7%	6.9%
Median Negative	-3.0%	-1.3%	-3.7%
Max Positive	8.9%	4.8%	19.6%
Max Negative	-9.1%	-9.1%	-15.5%

SEC Filings

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Report Date	Filing Date	Filing
09/30/2025	11/06/2025	10-Q
06/30/2025	08/05/2025	10-Q
03/31/2025	05/08/2025	10-Q
12/31/2024	02/27/2025	10-K
09/30/2024	11/07/2024	10-Q
06/30/2024	08/06/2024	10-Q
03/31/2024	05/07/2024	10-Q
12/31/2023	02/27/2024	10-K
09/30/2023	11/06/2023	10-Q
06/30/2023	08/04/2023	10-Q
03/31/2023	05/05/2023	10-Q
12/31/2022	02/27/2023	10-K
09/30/2022	11/04/2022	10-Q
06/30/2022	08/05/2022	10-Q
03/31/2022	05/06/2022	10-Q
12/31/2021	02/25/2022	10-K

Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Cosse, Steven A		Direct	Buy	11032025	17.44	8,603	150,036	1,982,091	Form
2	Garner, David W	EVP, Chief Accounting Officer	Direct	Buy	10232025	17.66	3,000	52,980	1,277,613	Form
3	Teubner, Russell William		Direct	Buy	8112025	18.63	2,000	37,260	385,492	Form
4	Teubner, Russell William		SEP-IRA	Buy	8112025	18.62	9,200	171,304	990,956	Form
5	Teubner, Russell William		Direct	Buy	7242025	18.50	4,050	74,925	473,156	Form

SFNC Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

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INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing SFNC?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What SFNC Makes & Who Pays

TTM figures based on

SFNC Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Simmons First National (SFNC)

Market Price (3/2/2026): $19.915 | Market Cap: $2.8 BilSector: Financials | Industry: Regional Banks

Simmons First National (SFNC)

Market Price (3/2/2026): $19.915Market Cap: $2.8 BilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Simmons First National (SFNC)

Addressable Market Sizes for Main Products/Services:

Interactive Breakdown

Better Bets vs. Simmons First National (SFNC)

Latest Trefis Analyses

Trade Ideas

Recent Active Movers

Top Gainers

Top Losers

Top Gainers

Top Losers

Top Gainers

Top Losers

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons

Financials

Growth & Margins

Valuation

Returns

Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Insider Activity

SFNC Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

null

Diversification Alternatives

Repricing Catalyst

Industry Resources

External Quote Links

Market Price (3/2/2026): $19.915 | Market Cap: $2.8 Bil
Sector: Financials | Industry: Regional Banks

Market Price (3/2/2026): $19.915
Market Cap: $2.8 Bil
Sector: Financials
Industry: Regional Banks