SFNC - NASDAQ

Simmons First National Corporation

SFNC·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$3.02B

EPS-2.7800

P/E Ratio-7.50

Earnings Date07/16/2026

24.54B

Assets

-9%

3Y-11.0%

5Y+10.0%

10Y+192.0%

21.12B

Total Liabilities

-10%

3Y-13.0%

5Y+9.0%

10Y+191.0%

3.42B

Total Equity

-3%

3Y+5.0%

5Y+15.0%

10Y+197.0%

Simmons First National Corporation Funding & Solvency Profile

SFNC · NASDAQ

Current Assets

Cash & Cash Equivalents380.44M

Net Receivables104.06M

Inventory0.00

Other Current Assets0.00

Total Current Assets4 B

Non-Current Assets

Property, Plant & Equipment561.22M

Goodwill & Intangible Assets1.41B

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets561 M

Total Assets

24.54B

Financial Health Analysis

Current Ratio

0.86x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.18x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-600872000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Simmons First National Corporation Balance Sheet

SFNC • NASDAQ

Simmons First National Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	380.4M	687.5M	614.2M	682.9M	1.7B	3.5B	1B	838.4M	601.4M	290.2M	266.4M	335.9M	539.4M	515.5M	570.2M	452.1M	353.6M	132.9M	103.8M	129.3M
Short-Term Investments	3.3B	1.4B	3.2B	3.9B	7.1B	3.5B	3.3B	2.2B	1.6B	1.2B	821.4M	305.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	3.6B	2.1B	3.8B	4.5B	8.8B	6.9B	4.3B	3B	2.2B	1.4B	1.1B	641.2M	539.4M	515.5M	570.2M	452.1M	353.6M	132.9M	103.8M	129.3M
Net Receivables	104.1M	123.2M	122.4M	102.9M	73M	72.6M	62.7M	49.9M	43.5M	27.8M	25.8M	16.8M	15.7M	14.5M	15.1M	17.4M	17.9M	20.9M	21.3M	22M
Accounts Receivables	104.1M	123.2M	122.4M	102.9M	73M	72.6M	62.7M	49.9M	43.5M	27.8M	25.8M	16.8M	15.7M	14.5M	15.1M	17.4M	17.9M	20.9M	21.3M	22M
Total Current Assets	3.8B	2.2B	3.9B	4.6B	8.8B	7B	4.4B	3B	2.2B	1.5B	1.1B	658M	555M	530M	585.3M	469.4M	371.5M	153.8M	125.1M	151.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	561.2M	585.4M	570.7M	548.7M	483.5M	441.7M	492.4M	295.1M	287.2M	199.4M	193.6M	122.2M	119.6M	87.6M	86.5M	77.2M	78.1M	78.9M	75.5M	67.9M
Goodwill	1.3B	1.3B	1.3B	1.3B	1.1B	1.1B	1.1B	845.7M	842.7M	348.5M	327.7M	108.1M	78.5M	60.6M	60.6M	60.6M	60.6M	60.6M	60.6M	60.6M
Intangible Assets	84.4M	97.2M	112.6M	129M	106.2M	111.1M	127.3M	91.3M	106.1M	53M	53.2M	22.5M	15M	3.8M	1.6M	2.5M	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	1.4B	1.4B	1.4B	1.4B	1.3B	1.2B	1.2B	937M	948.7M	401.5M	380.9M	130.6M	93.5M	64.4M	62.2M	63.1M	60.6M	60.6M	60.6M	60.6M
Long-Term Investments	0.0	21.6B	20.4B	19.7B	13.4B	13.1B	14.7B	12B	11.3B	6.1B	5.6B	3.5B	3.4B	2.6B	2.4B	2.5B	2.5B	2.6B	2.4B	2.3B
Other Non-Current Assets	0.0	1.1B	1.1B	1.1B	777M	563.4M	514.9M	286.8M	289.5M	231.3M	247M	219.2M	250.5M	238.5M	157.8M	187.2M	71M	60.3M	64.1M	79.3M
Total Non-Current Assets	2B	24.7B	23.5B	22.8B	15.9B	15.3B	16.9B	13.5B	12.8B	6.9B	6.4B	4B	3.8B	3B	2.7B	2.8B	2.7B	2.8B	2.6B	2.5B
Other Assets	18.8B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	24.5B	26.9B	27.3B	27.5B	24.7B	22.4B	21.3B	16.5B	15.1B	8.4B	7.6B	4.6B	4.4B	3.5B	3.3B	3.3B	3.1B	2.9B	2.7B	2.7B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	257.9M	201.9M	217.4M	165.4M	102.8M	78M	65.1M	74.5M	42.4M	36.1M	33.1M	26M	35.8M	0.0	0.0	24.3M	22.4M
Accounts Payable	0.0	0.0	0.0	257.9M	201.9M	217.4M	165.4M	102.8M	78M	65.1M	74.5M	42.4M	36.1M	33.1M	26M	35.8M	0.0	0.0	24.3M	22.4M
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	20.5M	22.8M	0.0	0.0
Short Term Debt	21.4M	37.1M	68M	160.4M	185.4M	299.1M	150.1M	95.8M	197.4M	115M	99.4M	110.6M	107.9M	104.1M	115M	110.2M	109.6M	116.6M	130.6M	111.2M
Tax Payables	0.0	0.0	0.0	-517.6M	-10.5M	59.7M	20.9M	-27.4M	0.0	0.0	0.0	-1.3M	-3M	257K	439K	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	4.3B	21.9B	22.2B	22.5B	19.4B	17B	16.1B	12.4B	11.1B	6.7B	6.1B	3.9B	3.7B	2.9B	2.7B	2.6B	2.4B	2.3B	2.2B	2.2B
Total Current Liabilities	4.4B	21.9B	22.3B	23B	19.8B	17.5B	16.4B	12.6B	11.4B	6.9B	6.3B	4B	3.8B	3B	2.8B	2.8B	2.6B	2.5B	2.3B	2.3B
NON-CURRENT LIABILITIES
Long Term Debt	620M	1.1B	1.3B	1.2B	1.7B	1.7B	1.7B	1.7B	1.4B	333.6M	222.9M	135.3M	137.7M	110.1M	121.1M	164.3M	159.8M	158.7M	82.3M	83.3M
Other Non-Current Liabilities	287.4M	312.7M	267.7M	0.0	0.0	154.6M	159.9M	162K	157.4M	0.0	0.0	0.0	0.0	0.0	-272K	0.0	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	907.4M	1.4B	1.6B	1.2B	1.7B	1.9B	1.8B	1.7B	1.6B	333.6M	222.9M	135.3M	137.7M	110.1M	120.8M	164.3M	159.8M	158.7M	82.3M	83.3M
Other Liabilities	15.9B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	30.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	21.1B	23.3B	23.9B	24.2B	21.5B	19.4B	18.3B	14.3B	13B	7.2B	6.5B	4.1B	4B	3.1B	2.9B	2.9B	2.7B	2.6B	2.4B	2.4B
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	767K	767K	0.0	0.0	0.0	30.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	1.4M	1.3M	1.3M	1.3M	1.1M	1.1M	1.1M	923K	920K	626K	303K	181K	162K	165K	172K	173K	171K	140K	139K	142K
Additional Paid-In Capital	2.8B	2.5B	2.5B	2.5B	2.2B	2B	2.1B	1.6B	1.6B	711.7M	662.4M	156.6M	88.1M	96.6M	112.4M	114M	111.7M	40.8M	41M	48.7M
Retained Earnings	864.3M	1.4B	1.3B	1.3B	1.1B	901M	848.8M	674.9M	514.9M	454M	386M	338.9M	318.6M	309.1M	294.9M	282.6M	258.6M	244.7M	229.5M	212.4M
Accumulated Other Comprehensive Income/Loss	-293.1M	-360.9M	-404.4M	-517.6M	-10.5M	59.7M	20.9M	-27.4M	-17.3M	-15.2M	-2.7M	-1.3M	-3M	257K	439K	512K	762K	3.2M	1.7M	-2.2M
Total Stockholders' Equity	3.4B	3.5B	3.4B	3.3B	3.2B	3B	3B	2.2B	2.1B	1.2B	1.1B	494.3M	403.8M	406.1M	407.9M	397.4M	371.2M	288.8M	272.4M	259M
Total Equity	3.4B	3.5B	3.4B	3.3B	3.2B	3B	3B	2.2B	2.1B	1.2B	1.1B	494.3M	403.8M	406.1M	407.9M	397.4M	371.2M	288.8M	272.4M	259M
SUMMARY
Total Liabilities & Equity	24.5B	26.9B	27.3B	27.5B	24.7B	22.4B	21.3B	16.5B	15.1B	8.4B	7.6B	4.6B	4.4B	3.5B	3.3B	3.3B	3.1B	2.9B	2.7B	2.7B
Total Investments	3.3B	22.9B	23.5B	23.6B	20.5B	16.6B	18B	14.1B	12.9B	7.2B	6.4B	3.8B	3.4B	2.6B	2.4B	2.5B	2.5B	2.6B	2.4B	2.3B
Total Debt	641.4M	1.1B	1.4B	1.4B	1.9B	2B	1.8B	1.8B	1.6B	448.6M	322.3M	245.9M	245.6M	214.1M	236.1M	274.5M	269.4M	275.2M	212.9M	194.5M
Net Debt	260.9M	461.3M	792.3M	702.8M	255M	-1.4B	834.8M	956.8M	1B	158.4M	55.9M	-90M	-293.8M	-301.3M	-334.1M	-177.6M	-84.2M	142.3M	109.1M	65.2M
Shares Outstanding	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601	144,717,601

SEC Filings

SFNC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 13, 2026	May 13, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 16, 2026	April 16, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 08, 2026	May 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 03, 2026	February 27, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 25, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 17, 2026	February 17, 2026	2026	View Filing
8-K/A 8-K/A 2025 (Amended) N/A	February 02, 2026	August 04, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 20, 2026	January 20, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 23, 2025	December 23, 2025	2025	View Filing

Showing 1 to 10 of 698 filings

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