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Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers deposits, checking, and savings accounts; loan products, such as consumer, real estate, commercial, agricultural, equipment, warehouse lending, and SBA lending; specialized products and services, including credit cards, trust and fiduciary services, investments, and insurance; and treasury management services. It also provides ATM services; internet and mobile banking platforms; overdraft facilities; safe deposit boxes; and brokerage services. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $94M | - | $-398M | $411M | -11.6% | -87.7% | -360.4% |
| 2024 | $763M | - | $153M | $380M | 4.3% | -2.4% | -12.8% |
| 2023 | $782M | - | $175M | $508M | 5.1% | -10.7% | -31.7% |
| 2022 | $875M | - | $256M | $287M | 7.8% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 875.14 | 781.54 | 762.75 | 93.91 |
| Pretax Income | - | 306.56 | 200.60 | 171.31 | -527.65 |
| Tax Provision | - | 50.15 | 25.55 | 18.61 | -130.10 |
| Net Income | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Net Income Common Stockholders | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Interest Expense | - | 144.42 | 560.04 | 683.60 | 524.61 |
| Interest Income | - | 861.74 | 1,210.16 | 1,312.06 | 1,243.81 |
| Selling General And Administration | - | 327.46 | 340.11 | 335.43 | 346.13 |
| Normalized Income | - | 275.20 | 176.30 | 152.69 | -397.55 |
| Market Cap | 3,049.13 | 3,049.13 | 3,049.13 | 3,049.13 | 3,049.13 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Simmons First National Corporationthis co. | SFNC | - | -7.67 | 0.89 | -11.6% | - |
| Seacoast Banking Corporation of Florida | SBCF | $2.8B | 21.13 | 1.13 | 5.3% | - |
| Merchants Bancorp | MBIN | $2.8B | 10.29 | 1.30 | 12.6% | - |
| Artisan Partners Asset Management Inc. | APAM | $2.7B | 9.24 | 6.11 | 66.2% | 5.40 |
| The Bancorp, Inc. |
| 2021 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| TBBK |
| $2.6B |
| 10.71 |
| 3.54 |
| 33.1% |
| - |
| Acadian Asset Management Inc. | AAMI | $2.5B | 30.27 | 39.96 | 132.0% | 14.22 |
| WisdomTree, Inc. | WT | $2.3B | 21.24 | 5.60 | 26.4% | 16.65 |
| Hilltop Holdings Inc. | HTH | $2.3B | 12.95 | 0.99 | 7.6% | - |
| Stewart Information Services Corporation | STC | $2.0B | 18.87 | 1.33 | 7.0% | - |
| Peer Median | - | 15.91 | 2.44 | 19.5% | 14.22 | |