US · SFNC
Simmons First National Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Pine Bluff, AR 71601
- Website
- simmonsbank.com
Price · as of 2025-12-31
$21.23
Market cap 2.88B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $19.86 | -6.45% |
| Intrinsic Value(DCF) | $15.44 | -27.27% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $127.90 | +502.47% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.60 | $38.48 | $10.23 | $8.00 | $0.00 |
| 2012 | $8.71 | $32.06 | $11.77 | $8.32 | $4.31 |
| 2013 | $13.12 | $38.65 | $11.85 | $7.21 | $8.22 |
| 2014 | $15.94 | $45.90 | $14.54 | $9.90 | $43.78 |
| 2015 | $16.41 | $53.77 | $25.05 | $11.75 | $82.81 |
| 2016 | $21.37 | $39.58 | $28.08 | $13.95 | $29.46 |
| 2017 | $23.19 | $35.19 | $24.59 | $12.82 | $29.08 |
| 2018 | $19.56 | $47.65 | $70.75 | $17.82 | $142.90 |
| 2019 | $16.27 | $44.06 | $33.75 | $19.01 | $57.14 |
| 2020 | $27.13 | $35.89 | $43.22 | $18.72 | $21.08 |
| 2021 | $24.22 | $25.72 | $52.42 | $20.71 | $0.00 |
| 2022 | $17.09 | $39.80 | $27.14 | $14.33 | $55.41 |
| 2023 | $18.09 | $43.46 | $25.66 | $11.61 | $53.15 |
| 2024 | $19.69 | $36.10 | $25.24 | $11.08 | $18.97 |
| 2025 | $20.36 | $19.86 | $12.30 | $0.00 | $127.90 |
AI valuation
Our deep-learning model estimates Simmons First National Corporation's (SFNC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $19.86
- Current price
- $21.23
- AI upside
- -6.45%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$15.44
-27.27% upside
Graham-Dodd
—
— upside
Graham Formula
$127.90
+502.47% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SFNC | Simmons First National Co… | $21.23 | 2.88B | -6% | -27% | — | +502% | -7.32 | 0.85 | 4.65 | 0.20 | — | 1.45 | 5.80% | -84.18% | -63.43% | -11.44% | -26.44% | -1.55% | 0.19 | -1.01 | 0.86 | 0.86 | -0.55 | -34380.00% | -5666.00% | 814.00% | 14.13% | 0.10 | 27.36% | 3.95% | -28.90% | 10.83% | 0.18 | -0.23 | -0.15 | 0.06 |
| BANC | Banc of California, Inc. | $18.47 | 2.87B | +29% | +3% | +2% | -61% | 12.42 | 0.80 | 1.57 | -3.45 | 9.78 | 0.88 | 58.70% | 17.98% | 12.65% | 6.50% | 115.77% | 0.67% | 0.85 | 0.47 | 0.26 | 0.26 | 1.78 | 12692.00% | -331.00% | 57855.00% | 15.35% | 0.02 | 212.21% | 3.65% | 45.30% | 3.78% | -4.21 | -3.14 | -0.76 | -0.60 |
| BOH | Bank of Hawaii Corporatio… | $75.77 | 3.01B | -33% | -3% | -62% | -10% | 15.04 | 1.67 | 2.86 | 7.17 | 44.87 | 1.70 | 67.44% | 26.75% | 19.00% | 11.70% | 57.25% | 0.86% | 0.05 | 0.83 | 11.00 | 11.00 | -2.73 | 3353.00% | 525.00% | 919.00% | 5.95% | 2.36 | 46.30% | 3.65% | 54.90% | 30.97% | 7.74 | 12.17 | 2.07 | 0.34 |
| CVBF | CVB Financial Corp. | $19.23 | 2.61B | +72% | -10% | -3% | -54% | 12.86 | 1.17 | 4.18 | 3.17 | 231.49 | 1.77 | 79.87% | 43.78% | 32.53% | 9.34% | 13.19% | 1.36% | 0.43 | 2.12 | 0.23 | 0.23 | 3.13 | 556.00% | -233.00% | -2007.00% | 7.26% | 0.02 | 12.32% | 0.00% | 0.00% | 0.00% | 3.17 | 4.56 | 1.39 | -0.48 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| PFS | Provident Financial Servi… | $21.04 | 2.75B | +36% | +500% | +56% | +201% | 9.64 | 0.99 | 2.03 | 4.78 | 8.58 | 1.37 | 62.69% | 29.52% | 21.06% | 10.72% | 14.47% | 1.19% | 0.89 | 0.80 | — | — | 5.65 | 11238.00% | 2125.00% | 133.00% | 15.34% | — | 21.41% | 0.00% | 0.00% | 0.00% | 4.78 | 4.53 | 1.41 | 0.42 |
| SBCF | Seacoast Banking Corporat… | $31.12 | 3.04B | +47% | +5% | -0% | -20% | 19.51 | 0.92 | 3.25 | -6.34 | 173.15 | 1.55 | 61.57% | 21.45% | 16.66% | 5.53% | -33.73% | 0.80% | 0.44 | 0.66 | 0.40 | 0.40 | 6.19 | 1127.00% | 749.00% | 7584.00% | 10.94% | 0.02 | -71.99% | 0.00% | 0.00% | 0.00% | -6.34 | -3.82 | -1.36 | -0.26 |
| TOWN | TowneBank | $34.26 | 2.62B | +64% | -14% | +2% | -57% | 15.65 | 1.10 | 2.63 | 13.18 | 560.69 | 1.53 | 69.58% | 20.86% | 16.82% | 7.43% | 9.56% | 0.92% | 0.15 | 0.74 | 0.10 | 0.02 | 0.56 | 279.00% | -161.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.18 | — | 2.75 | -0.48 |
| TRMK | Trustmark Corporation | $42.59 | 2.55B | -37% | +160% | -21% | +261% | 11.68 | 1.23 | 2.34 | 3.65 | 605.87 | 1.47 | 70.96% | 25.51% | 20.01% | 10.98% | 36.00% | 1.21% | 0.53 | 0.91 | 0.73 | 0.73 | 1.38 | 193.00% | 3475.00% | 16256.00% | 8.86% | 0.07 | 37.25% | 2.23% | 26.10% | 5.29% | 4.16 | 5.13 | 1.06 | 0.29 |
| WAFD | WaFd, Inc. | $31.16 | 2.38B | +7% | +11% | -9% | -40% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
About Simmons First National Corporation
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.
- CEO
- James Brogdon
- Employees
- 2.95K
- Beta
- 0.94
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($15.44 ÷ $21.23) − 1 = -27.27% (DCF, example).