Simmons First National Corporation Class A Common Stock (SFNC)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $22.16, Simmons First has a $3.2B market cap and FairStock calculations show P/B of 0.92, P/E of -9.23, ROE of -9.94%, and Piotroski F-Score of 5/9. I start with consistency, and the filed record is not consistent. Net income was $175.1M in FY2023 ($1.38 diluted EPS) and $152.7M in FY2024 ($1.21), then a loss of $397.6M in FY2025 (-$2.95), including a fiscal Q3 2025 loss of $562.8M (-$4.00). That is the FairStock TURNAROUND category: a loss in the latest year after earlier profits. The encouraging part is that fiscal Q1 2026 showed $68.5M of net income and $0.47 diluted EPS, and fiscal Q2 2026 showed $66.7M and $0.46. If those are clean, normalized earnings are returning. But a bank is a leveraged credit machine. The data does not include CET1, net interest margin, nonperforming loans, reserve coverage, or a combined ratio, so I cannot underwrite the balance sheet. Regional banking has no wide moat; deposits can flee and credit costs can spike. A 0.92 P/B and 3.88% dividend yield are Graham-ish attractions, but the negative ROE says trailing book returns are poor. I need proof that the 2025 loss was an isolated event before calling this a true bargain rather than a value trap.

In plain English: Simmons First is a regional bank that takes deposits and makes loans to people and businesses, along with trust and treasury services. It earned solid profits in 2023 and 2024, lost money in its latest full year after a huge late-2025 loss, and has been profitable again in the first two quarters of 2026. At $22.16 the stock sells below its accounting book value and pays a dividend, but the recent loss and missing bank-risk details make the business look shaky rather than clearly strong and the price look more fair-to-cheap than a sure bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer