Simmons First National Corporation Class A Common Stock (SFNC)

FairStock Score: 58/100 — STEADY

Key Financials

Strengths

• Superior net profit margin of 84.2% indicating pricing power and operational efficiency
• Revenue growth of 21.3% demonstrates strong top-line momentum
• Attractive 4.1% dividend yield providing steady income returns

Concerns

• Altman Z-Score of 0.1 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Simmons First National Corporation Class A Common Stock is a small-cap financial services company valued at $3.1 billion. The business generates $81 million in annual revenue with a 84.2% net margin. From a quality standpoint, Simmons shows solid Piotroski F-Score of 6/9 and distressed Altman Z-Score of 0.1 warrants caution. On valuation, the stock is 3.5% FCF yield. Growth dynamics show revenue growing at 21.3% and profit growth of 61.6%. The 4.1% dividend yield adds an income component for patient holders. Our composite FairStock Score of 58/100 reflects mixed fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Simmons's 21% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer