Simmons First National Corporation

Simmons First National Corporation

SFNCยทNASDAQ

$20.84

+0.096%
Financial ServicesBanks - Regional

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 offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; insurance products; and securities and investment services. The company also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. As of January 27, 2022, the company operated through 199 financial centers in Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

At a Glance

Live Snapshot
Market Cap$3.02B
EPS-2.7800
P/E Ratio-7.50
Earnings Date07/16/2026
Simmons First National Corporation

Simmons First National Corporation Fair Value Envelope

SFNC ยท NASDAQ

Our analysis suggests that SFNC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $20.84, this represents a potential HIDDEN relative to our calculated worth for Simmons First National Corporation.

Intrinsic Value
Current Price: $20.84

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$15.7B
+ Cash & Equivalents$380.4M
Firm Value$16.1B
- Debt$641.4M
Equity Value$15.4B
/ Shares Outstanding144,717,601B
DCF Value$107
UNDERVALUED BY 411%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$512.9M
$570.3M
$634.3M
$705.3M
$784.4M
$872.3M
$970.1M
$1.1B
$1.2B
$1.3B
Maintenance CapEx
-$8.5M
-$9.4M
-$10.5M
-$11.7M
-$13.0M
-$14.4M
-$16.0M
-$17.8M
-$19.8M
-$22.1M
Owner Earnings
$504.4M
$560.9M
$623.8M
$693.7M
$771.4M
$857.9M
$954.0M
$1.1B
$1.2B
$1.3B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$467.0M
$480.9M
$495.2M
$509.9M
$525.0M
$540.6M
$556.7M
$573.2M
$590.2M
$607.7M
Terminal Value represents 65.9% of Enterprise Value