SIMMONS FIRST NATL CORP-CL A (SFNC)

US8287302009 - Common Stock

22.49  +0.36 (+1.63%)

After market: 22.49 0 (0%)

Fundamental Rating

3

Taking everything into account, SFNC scores 3 out of 10 in our fundamental rating. SFNC was compared to 406 industry peers in the Banks industry. While SFNC seems to be doing ok healthwise, there are quite some concerns on its profitability. SFNC does not seem to be growing, but still is valued expensively. SFNC also has an excellent dividend rating.



2

1. Profitability

1.1 Basic Checks

SFNC had positive earnings in the past year.
In the past year SFNC had a positive cash flow from operations.
In the past 5 years SFNC has always been profitable.
SFNC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

SFNC has a worse Return On Assets (0.47%) than 74.26% of its industry peers.
With a Return On Equity value of 3.64%, SFNC is not doing good in the industry: 82.92% of the companies in the same industry are doing better.
Industry RankSector 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's Profit Margin of 17.22% is on the low side compared to the rest of the industry. SFNC is outperformed by 67.57% of its industry peers.
SFNC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SFNC so they could not be analyzed.
Industry RankSector 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

4

2. Health

2.1 Basic Checks

SFNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
SFNC has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, SFNC has more shares outstanding
Compared to 1 year ago, SFNC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of SFNC is 0.60, which is an excellent value as it means it would take SFNC, only 0.60 years of fcf income to pay off all of its debts.
SFNC's Debt to FCF ratio of 0.60 is amongst the best of the industry. SFNC outperforms 84.16% of its industry peers.
SFNC has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
SFNC has a better Debt to Equity ratio (0.12) than 68.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.6
Altman-Z N/A
ROIC/WACCN/A
WACC17.12%

2.3 Liquidity

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

3

3. Growth

3.1 Past

SFNC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.40%.
The Earnings Per Share has been decreasing by -7.28% on average over the past years.
The Revenue for SFNC has decreased by -13.96% in the past year. This is quite bad
SFNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.96% yearly.
EPS 1Y (TTM)-22.4%
EPS 3Y-11.71%
EPS 5Y-7.28%
EPS Q2Q%0%
Revenue 1Y (TTM)-13.96%
Revenue growth 3Y-2.88%
Revenue growth 5Y2.96%
Sales Q2Q%-10.89%

3.2 Future

The Earnings Per Share is expected to grow by 7.19% on average over the next years.
The Revenue is expected to grow by 4.19% on average over the next years.
EPS Next Y-12.75%
EPS Next 2Y2.1%
EPS Next 3Y7.19%
EPS Next 5YN/A
Revenue Next Year-4.46%
Revenue Next 2Y2.17%
Revenue Next 3Y4.19%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

3

4. Valuation

4.1 Price/Earnings Ratio

SFNC is valuated correctly with a Price/Earnings ratio of 15.84.
Based on the Price/Earnings ratio, SFNC is valued a bit more expensive than the industry average as 65.84% of the companies are valued more cheaply.
SFNC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.73.
Based on the Price/Forward Earnings ratio of 13.57, the valuation of SFNC can be described as correct.
Based on the Price/Forward Earnings ratio, SFNC is valued a bit more expensive than the industry average as 63.12% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.83. SFNC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.84
Fwd PE 13.57

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SFNC is valued cheaply inside the industry as 94.55% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.91
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.1%
EPS Next 3Y7.19%

7

5. Dividend

5.1 Amount

SFNC has a Yearly Dividend Yield of 3.80%.
Compared to an average industry Dividend Yield of 3.02, SFNC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.24, SFNC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.8%

5.2 History

The dividend of SFNC has a limited annual growth rate of 5.79%.
SFNC has been paying a dividend for at least 10 years, so it has a reliable track record.
SFNC has not decreased their dividend for at least 10 years, which is a reliable track record.
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 2Y2.1%
EPS Next 3Y7.19%

SIMMONS FIRST NATL CORP-CL A

NASDAQ:SFNC (12/20/2024, 8:00:01 PM)

After market: 22.49 0 (0%)

22.49

+0.36 (+1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-18 2024-10-18/bmo
Earnings (Next)01-22 2025-01-22/amc
Inst Owners70.41%
Inst Owner Change2.35%
Ins Owners1.36%
Ins Owner Change1.17%
Market Cap2.82B
Analysts52.73
Price Target24.68 (9.74%)
Short Float %1.88%
Short Ratio3.61
Dividend
Industry RankSector Rank
Dividend Yield 3.8%
Dividend Growth(5Y)5.79%
DP81.16%
Div Incr Years13
Div Non Decr Years34
Ex-Date12-13 2024-12-13 (0.21)
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)0%
PT rev (3m)10.5%
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)-0.65%
Valuation
Industry RankSector Rank
PE 15.84
Fwd PE 13.57
P/S 3.79
P/FCF 3.91
P/OCF 3.7
P/B 0.8
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)1.42
EY6.31%
EPS(NY)1.66
Fwd EY7.37%
FCF(TTM)5.75
FCFY25.57%
OCF(TTM)6.08
OCFY27.04%
SpS5.93
BVpS28.1
TBVpS16.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC17.12%
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)-22.4%
EPS 3Y-11.71%
EPS 5Y-7.28%
EPS Q2Q%0%
EPS Next Y-12.75%
EPS Next 2Y2.1%
EPS Next 3Y7.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.96%
Revenue growth 3Y-2.88%
Revenue growth 5Y2.96%
Sales Q2Q%-10.89%
Revenue Next Year-4.46%
Revenue Next 2Y2.17%
Revenue Next 3Y4.19%
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%