profit from every $100 of sales.
$0$100
Simmons First National
$23.46+0.28% today
+31.6% in 1 year
1-year low $17.261-year high $24.12
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Simmons First National sold, what it kept, and what it did with the cash.
Sales went from $875 million in 2022 to $93.9 million in 2025, with -$398 million of profit last year.
SalesProfit
Simmons First National handed back 28% of the cash it generated last year.
$115M
Free cash flow 2025$411M
Bought back its own shares$0
Paid as dividends$115M
Cash vs. debt$712M vs. $620M
Simmons First National vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Simmons First National | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Simmons First National's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 875 | 782 | 763 | 94 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 256 | 175 | 153 | -398 | |
| 2.06 | 1.38 | 1.21 | -2.96 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.3% | 22.4% | 20.0% | -423.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 27,461 | 27,346 | 26,876 | 24,541 |
| Cash | 683 | 614 | 687 | 712 |
| Total debt | 1,225 | 1,339 | 1,112 | 620 |
| Total liabilities | 24,192 | 23,919 | 23,347 | 21,122 |
| 3,269 | 3,426 | 3,529 | 3,419 | |
| 127 | 125 | 126 | 145 | |
| – | – | – | – | |
| 7.8% | 5.1% | 4.3% | -11.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 322 | 541 | 426 | 450 | |
| 35 | 33 | 46 | 38 | |
| 287 | 508 | 380 | 411 | |
| Dividends paid | 94 | 101 | 105 | 115 |
| 111 | 40 | 0 | 0 | |
| 15 | 12 | 11 | 11 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- 11.4×
- –
- 0.9×
- 36.0×
- -11.8%
- 4.0%
Profitability
- -423.3%
- -6.9%
- 1.6%
- -10.5%
- -1.5%
Growth
- −52.5%
- –
- +4.6%
- +6.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 4%of 688
Bottom 2%of 540
Bottom 2%of 908
Top 18%of 941
What analysts expect
- Average price target
- $22.67
- Range
- $22.00 – $23.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 16, 2026 | 0.47 | 0.47 | +0.0% |
| Jan 20, 2026 | 0.54 | 0.49 | +10.2% |
| Oct 16, 2025 | 0.46 | 0.47 | −2.1% |
| Jul 17, 2025 | 0.44 | 0.40 | +10.0% |
| Apr 16, 2025 | 0.26 | 0.36 | −27.8% |
| Jan 22, 2025 | 0.38 | 0.35 | +8.8% |
| Oct 18, 2024 | 0.37 | 0.33 | +11.0% |
| Jul 24, 2024 | 0.33 | 0.31 | +6.5% |
4.0%of the share price, paid each year
On $1,000 invested$40a year at today's yield, before tax
+4.6%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.46 in 2015 → $0.85 in 2025
How safe it looks
-33.1% of its profit
Room to growStretchedMore than it earns: 28.0%
News
Richard Simmons’ L.A. estate sells for $3.8 millionMarketWatch · Nov 5, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
32No pass
Benjamin Graham
58No pass
Philip Fisher
28No pass
Peter Lynch
46No pass
Joel Greenblatt
0No pass
Charlie Munger
20No pass
Terry Smith
16No pass
Questions about Simmons First National
Is Simmons First National a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Simmons First National AI analysis
What does Simmons First National do?
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 is in Banks - Regional, based in Pine Bluff, AR, United States, with 2,913 employees.
Does Simmons First National pay a dividend?
Yes. At today's price the dividend is 4.0% a year. In 2025 it paid out $115 million in dividends.
Is Simmons First National stock halal?
No. Simmons First National does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Simmons First National stock done over the past year?
Up 31.6% over the past twelve months, to $23.46. It traded between $17.26 and $24.12 and is 2.7% below its high.
Who are Simmons First National's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Simmons First National's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.