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Simmons First National Corp

Simmons First National Corp

SFNC
$23.19USD↑+0.26%+0.06 today

MARKET CAP

3.4B

P/E (TTM)

—

FWD P/E

—

DAY RANGE

$23 – $23

52W RANGE

$17
$24

AI Summary

Stalk
StalkMedium

SFNC is in early Stage 1 consolidation and has formed a Bullish Pivot Point signaling downside control failure and structural repair. Price recently cleared the 9- and 20-EMAs with a breakout above resistance on strong volume but is now extended. We will stalk for a pullback into the 9/20-EMA confluence for mean-reversion participation rather than enter on the extension.

  • ↑Non‐interest-bearing deposits rose 4% annualized, enhancing funding stability.
  • ↑Quarterly loan production at four‐year highs, targeting low–mid single-digit growth.
  • ↓Negative earnings revisions and weak growth momentum signal revenue headwinds.
Full analysis →

The case for & against

Bull & Bear analysis

Bearish

Simmons First National Corporation (NASDAQ: SFNC) is a community banking institution providing a variety of financial services, including commercial and consumer banking, as well as wealth management solutions. The bank emphasizes customer relationships and operational efficiency to maintain a competitive edge. They operate across several states, leveraging local knowledge and a tailored approach to better serve their markets that position them amidst the broader financial services theme, focusing on community-oriented banking amid rising competition.

Bull says

  • ↑Non‐interest-bearing deposits rose 4% annualized, enhancing funding stability.
  • ↑Quarterly loan production at four‐year highs, targeting low–mid single-digit growth.
  • ↑Net interest income growth guidance of 9–11% YoY on effective rate management.
  • ↑Operating expenses growth below 3% via Better Bank Initiative efficiencies.
  • ↑Share repurchases leverage excess capital to improve shareholder returns.
  • ↑Strong earnings yield and book-to-price ratio support valuation; 2.8% dividend yield.

Bear says

  • ↓Negative earnings revisions and weak growth momentum signal revenue headwinds.
  • ↓Intense deposit competition forces higher costs, constraining net interest margins.
  • ↓Profitability metrics remain under pressure, risking sustained margin compression.
  • ↓Loan growth forecast of ~3% annualized may be offset by paydowns.
  • ↓Q1 and Q2 revenue estimates have been cut, raising value-trap concerns.
  • ↓Low institutional ownership and smaller scale may limit valuation multiples.

Investment themes with SFNC

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q3 2024 · Mgmt. Guidance

Updated 10-19-2025neutral

Transcript signals

Bull points

  • we've been able to maintain really good discipline and still grow the pipeline for several quarters in a row at what we think is pretty strong pricing
  • we are seeing growth in those accounts. And big parts of our Better Bank initiatives are geared around continuing to grow and increasing the growth of those operating accounts. And so we're pleased to see that
  • Pretty good tailwind there

Bear points

  • we're not seeing just a massive influx of demand yet
  • deposit costs peaking in June at about, you know, I would tell you it peaked at 281
  • 281
Read full transcript analysis ›