SIMMONS FIRST NATL CORP-CL A(NASDAQ:SFNC) stock Fundamental Analysis

Fundamental Rating

Overall SFNC gets a fundamental rating of 3 out of 10. We evaluated SFNC against 405 industry peers in the Banks industry. SFNC may be in some trouble as it scores bad on both profitability and health. SFNC is valued correctly, but it does not seem to be growing. SFNC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

SFNC had positive earnings in the past year.

SFNC had a positive operating cash flow in the past year.

SFNC had positive earnings in 4 of the past 5 years.

SFNC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

SFNC's Return On Assets of 0.47% is on the low side compared to the rest of the industry. SFNC is outperformed by 74.62% of its industry peers.

SFNC has a worse Return On Equity (3.64%) than 82.91% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	3.64%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.99%

ROE(3y)7.1%

ROE(5y)7.56%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SFNC has a worse Profit Margin (17.22%) than 68.09% of its industry peers.

In the last couple of years the Profit Margin of SFNC has declined.

The Operating Margin and Gross Margin are not available for SFNC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.22%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.16%

PM growth 5Y-6.84%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SFNC does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for SFNC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

SFNC has a debt to FCF ratio of 0.60. This is a very positive value and a sign of high solvency as it would only need 0.60 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 0.60, SFNC belongs to the best of the industry, outperforming 83.42% of the companies in the same industry.

SFNC has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.12, SFNC is in the better half of the industry, outperforming 67.59% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	0.6
Altman-Z	N/A

ROIC/WACCN/A

WACC17.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SFNC have decreased strongly by -11.32% in the last year.

SFNC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.24% yearly.

EPS 1Y (TTM)-11.32%

EPS 3Y-17.05%

EPS 5Y-10.24%

EPS Q2Q%-2.5%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%17.4%

3.2 Future

The Earnings Per Share is expected to grow by 17.70% on average over the next years. This is quite good.

SFNC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.48% yearly.

EPS Next Y17.19%

EPS Next 2Y17.7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.96%

Revenue Next 2Y8.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

SFNC is valuated correctly with a Price/Earnings ratio of 15.91.

SFNC's Price/Earnings ratio is a bit more expensive when compared to the industry. SFNC is more expensive than 68.34% of the companies in the same industry.

When comparing the Price/Earnings ratio of SFNC to the average of the S&P500 Index (28.29), we can say SFNC is valued slightly cheaper.

The Price/Forward Earnings ratio is 13.57, which indicates a correct valuation of SFNC.

Based on the Price/Forward Earnings ratio, SFNC is valued a bit more expensive than the industry average as 62.81% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 24.44. SFNC is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	15.91
Fwd PE	13.57

4.2 Price Multiples

93.72% of the companies in the same industry are more expensive than SFNC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	3.9
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as SFNC's earnings are expected to grow with 17.70% in the coming years.

PEG (NY)0.93

PEG (5Y)N/A

EPS Next 2Y17.7%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SFNC has a Yearly Dividend Yield of 3.70%.

Compared to an average industry Dividend Yield of 3.22, SFNC pays a bit more dividend than its industry peers.

SFNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	3.7%

5.2 History

The dividend of SFNC has a limited annual growth rate of 5.79%.

SFNC has paid a dividend for at least 10 years, which is a reliable track record.

SFNC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)5.79%

Div Incr Years13

Div Non Decr Years34

5.3 Sustainability

81.16% of the earnings are spent on dividend by SFNC. This is not a sustainable payout ratio.

SFNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP81.16%

EPS Next 2Y17.7%

EPS Next 3YN/A

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SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (1/22/2025, 10:22:09 AM)

22.43

-0.36 (-1.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/amc

Earnings (Next)N/A N/A

Inst Owners70.41%

Inst Owner Change0%

Ins Owners1.36%

Ins Owner Change0.81%

Market Cap2.82B

Analysts52.73

Price Target25.5 (13.69%)

Short Float %2.01%

Short Ratio3.55

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.7%

Yearly Dividend0.8

Dividend Growth(5Y)5.79%

DP81.16%

Div Incr Years13

Div Non Decr Years34

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.16%

Min EPS beat(2)5.5%

Max EPS beat(2)8.82%

EPS beat(4)3

Avg EPS beat(4)7.18%

Min EPS beat(4)-0.93%

Max EPS beat(4)15.34%

EPS beat(8)6

Avg EPS beat(8)2.49%

EPS beat(12)9

Avg EPS beat(12)3.5%

EPS beat(16)13

Avg EPS beat(16)8.87%

Revenue beat(2)0

Avg Revenue beat(2)-10.29%

Min Revenue beat(2)-16.37%

Max Revenue beat(2)-4.21%

Revenue beat(4)0

Avg Revenue beat(4)-10.2%

Min Revenue beat(4)-16.37%

Max Revenue beat(4)-4.21%

Revenue beat(8)0

Avg Revenue beat(8)-8.24%

Revenue beat(12)0

Avg Revenue beat(12)-7.21%

Revenue beat(16)1

Avg Revenue beat(16)-5.74%

PT rev (1m)3.31%

PT rev (3m)14.16%

EPS NQ rev (1m)0%

EPS NQ rev (3m)2.25%

EPS NY rev (1m)0%

EPS NY rev (3m)3.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.63%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.66%

Valuation

		Industry Rank	Sector Rank
PE	15.91
Fwd PE	13.57
P/S	3.78
P/FCF	3.9
P/OCF	3.69
P/B	0.8
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)1.41

EY6.29%

EPS(NY)1.65

Fwd EY7.37%

FCF(TTM)5.75

FCFY25.64%

OCF(TTM)6.08

OCFY27.11%

SpS5.93

BVpS28.1

TBVpS16.78

PEG (NY)0.93

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	3.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.22%
GM	N/A
FCFM	96.98%

ROA(3y)0.89%

ROA(5y)0.99%

ROE(3y)7.1%

ROE(5y)7.56%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.16%

PM growth 5Y-6.84%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	0.6
Debt/EBITDA	N/A
Cap/Depr	88.43%
Cap/Sales	5.56%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	563%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC17.15%

ROIC/WACCN/A

Cap/Depr(3y)80.88%

Cap/Depr(5y)91.31%

Cap/Sales(3y)4.73%

Cap/Sales(5y)4.84%

Profit Quality(3y)162.28%

Profit Quality(5y)128.05%

High Growth Momentum

Growth

EPS 1Y (TTM)-11.32%

EPS 3Y-17.05%

EPS 5Y-10.24%

EPS Q2Q%-2.5%

EPS Next Y17.19%

EPS Next 2Y17.7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%17.4%

Revenue Next Year8.96%

Revenue Next 2Y8.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y192.16%

FCF growth 3Y38.98%

FCF growth 5Y20.82%

OCF growth 1Y168.79%

OCF growth 3Y38.76%

OCF growth 5Y18.97%

SIMMONS FIRST NATL CORP-CL A (SFNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens