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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 |
| Operating Revenue | - | 875.14 | 781.54 | 762.75 | 93.91 |
| Selling General And Administration | - | 327.46 | 340.11 | 335.43 | 346.13 |
| Interest Income | - | 861.74 | 1,210.16 | 1,312.06 | 1,243.81 |
| Interest Expense | - | 144.42 | 560.04 | 683.60 | 524.61 |
| Net Interest Income | - | 717.32 | 650.13 | 628.46 | 719.20 |
| Pretax Income | - | 306.56 | 200.60 | 171.31 | -527.65 |
| Tax Provision | - | 50.15 | 25.55 | 18.61 | -130.10 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -3.69 | -0.18 | 0 | 0 |
| Net Income Continuous Operations | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Net Income From Continuing And Discontinued Operation | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Net Income From Continuing Operation Net Minority Interest | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Net Income | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Net Income Common Stockholders | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Net Income Including Noncontrolling Interests | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Normalized Income | - | 275.20 | 176.30 | 152.69 | -397.55 |
| Diluted NI Availto Com Stockholders | - | 256.41 | 175.06 | 152.69 | -397.55 |
| Basic Average Shares | - | 127.05 | 125.18 | 125.65 | 144.76 |
| Diluted Average Shares | - | 127.05 | 125.18 | 125.65 | 144.76 |
| Reconciled Depreciation | - | 48.96 | 47.88 | 46.12 | 40.80 |
| Total Unusual Items | - | -22.48 | -1.42 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | - | -22.48 | -1.42 | 0 | 0 |
| Preferred Stock Dividends | 0.05 | - | - | - | - |
| Special Income Charges | - | -22.48 | -1.42 | 0 | 0 |
| Gain On Sale Of Business | 5.32 | 0 | 0 | - | - |
| Restructuring And Mergern Acquisition | - | 22.48 | 1.42 | 0 | 0 |
| Gain On Sale Of Security | - | -0.28 | -31.51 | -28.39 | -798.28 |
| Depreciation Amortization Depletion Income Statement | - | 15.92 | 16.31 | 15.40 | 12.82 |
| Depreciation And Amortization In Income Statement | - | 15.92 | 16.31 | 15.40 | 12.82 |
| General And Administrative Expense | - | 298.59 | 316.10 | 308.06 | 318.08 |
| Other Gand A | 57.88 | - | - | - | - |
| Salaries And Wages | - | 286.98 | 286.12 | 284.12 | 297.86 |
| Insurance And Claims | - | 11.61 | 29.99 | 23.94 | 20.22 |
| Selling And Marketing Expense | - | 28.87 | 24.01 | 27.37 | 28.05 |
| Amortization | - | 15.92 | 16.31 | 15.40 | 12.82 |
| Amortization Of Intangibles Income Statement | - | 15.92 | 16.31 | 15.40 | 12.82 |
| Occupancy And Equipment | - | 64.99 | 67.48 | 70.26 | 69.76 |
| Professional Expense And Contract Services Expense | - | 19.14 | 19.61 | 22.18 | 21.80 |
| Other Non Interest Expense | - | 104.53 | 104.89 | 101.38 | 102.02 |
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 | $3.1B | -7.86 | 0.91 | -11.6% | - |
| First Hawaiian, Inc. | FHB | $3.3B | 11.99 | 1.20 | 10.0% | - |
| Assured Guaranty Ltd. | AGO | $3.3B | 6.50 | 0.58 | 8.9% | - |
| Genworth Financial, Inc. | GNW | $3.2B | 14.56 | 0.37 | 2.5% | - |
| First Financial Bancorp. | FFBC |
| 2021 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| $3.2B |
| 12.54 |
| 1.16 |
| 9.2% |
| - |
| Park National Corporation | PRK | $3.1B | 17.38 | 2.31 | 13.3% | - |
| Bank of Hawaii Corporation | BOH | $3.0B | 14.70 | 2.01 | 13.7% | - |
| CorVel Corporation | CRVL | $3.0B | 27.21 | 7.61 | 28.0% | 15.99 |
| Banc of California, Inc. | BANC | $3.0B | 13.02 | 0.98 | 7.5% | - |
| Peer Median | - | 13.79 | 1.18 | 9.6% | 15.99 | |