Simmons First National Corporation

NasdaqGS:SFNC Stock Report

Market Cap: US$3.3b

Simmons First National Valuation

Is SFNC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SFNC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: SFNC ($23.19) is trading below our estimate of future cash flow value ($36.23)

Significantly Below Future Cash Flow Value: SFNC is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SFNC?

Key metric: As SFNC is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for SFNC. This is calculated by dividing SFNC's market cap by their current book value.
What is SFNC's PB Ratio?
PB Ratio1x
BookUS$3.48b
Market CapUS$3.34b

Price to Book Ratio vs Peers

How does SFNC's PB Ratio compare to its peers?

The above table shows the PB ratio for SFNC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average1.4x
CLBK Columbia Financial
2.6x52.93%US$3.1b
FIBK First Interstate BancSystem
1.1x8.19%US$3.5b
EGBN Eagle Bancorp
0.7x83.85%US$845.3m
FHB First Hawaiian
1.1x29.63%US$3.1b
SFNC Simmons First National
1x126.42%US$3.3b

Price-To-Book vs Peers: SFNC is good value based on its Price-To-Book Ratio (1x) compared to the peer average (1.4x).

Historical Price to Book Ratio

Historical Price to Book Ratio compares a stock's price to the book value of it's equity over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Book Ratio vs Industry

How does SFNC's PB Ratio compare vs other companies in the US Banks Industry?

5 CompaniesPrice / BookEstimated GrowthMarket Cap
FRCB First Republic Bank
0.002xn/aUS$27.98m
OCNB Oconomowoc Bancshares
0.07xn/aUS$10.72m
SBNY Signature Bank
0.0003xn/aUS$2.18m
BKES.F Banco Espírito Santo
n/an/aUS$56.01k
SFNC 1.0xIndustry Avg. 1.2xNo. of Companies126PB00.61.21.82.43+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: SFNC is good value based on its Price-To-Book Ratio (1x) compared to the US Banks industry average (1.2x).

Price to Book Ratio vs Fair Ratio

What is SFNC's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SFNC PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate SFNC's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst SFNC forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$23.19
US$25.79
+11.19%
4.85%US$27.50US$24.00n/a7
Sep ’27US$22.23
US$25.00
+12.46%
4.28%US$27.00US$24.00n/a7
Aug ’27US$23.59
US$25.00
+5.98%
4.28%US$27.00US$24.00n/a7
Jul ’27US$23.22
US$23.71
+2.13%
2.95%US$25.00US$23.00n/a7
Jun ’27US$21.05
US$23.57
+11.98%
3.09%US$25.00US$23.00n/a7
May ’27US$21.23
US$23.57
+11.03%
3.09%US$25.00US$23.00n/a7
Apr ’27US$19.46
US$22.71
+16.72%
5.11%US$25.00US$21.00n/a7
Mar ’27US$19.91
US$23.00
+15.52%
4.03%US$25.00US$22.00n/a7
Feb ’27US$20.33
US$23.00
+13.13%
4.03%US$25.00US$22.00n/a7
Jan ’27US$18.85
US$22.17
+17.60%
6.06%US$25.00US$21.00n/a6
Dec ’26US$18.73
US$21.83
+16.57%
3.15%US$23.00US$21.00n/a6
Nov ’26US$17.38
US$21.83
+25.62%
3.15%US$23.00US$21.00n/a6
Oct ’26US$19.39
US$22.80
+17.59%
3.28%US$24.00US$22.00n/a5
Sep ’26US$20.78
US$22.80
+9.72%
3.28%US$24.00US$22.00US$22.235
Aug ’26US$19.02
US$22.60
+18.82%
4.51%US$24.00US$21.00US$23.595
Jul ’26US$19.70
US$21.60
+9.64%
9.07%US$25.00US$19.00US$23.225
Jun ’26US$18.76
US$21.60
+15.14%
9.07%US$25.00US$19.00US$21.055
May ’26US$18.85
US$21.60
+14.59%
9.07%US$25.00US$19.00US$21.235
Apr ’26US$20.39
US$23.80
+16.72%
10.76%US$28.00US$20.00US$19.465
Mar ’26US$21.97
US$24.00
+9.24%
10.54%US$28.00US$20.00US$19.915
Feb ’26US$22.72
US$24.00
+5.63%
10.54%US$28.00US$20.00US$20.335
Jan ’26US$22.18
US$25.20
+13.62%
9.85%US$29.00US$22.00US$18.855
Dec ’25US$24.46
US$24.20
-1.06%
9.57%US$28.00US$21.00US$18.735
Nov ’25US$23.31
US$24.20
+3.82%
9.57%US$28.00US$21.00US$17.385
Oct ’25US$21.22
US$22.00
+3.68%
4.77%US$23.00US$20.00US$19.395
Sep ’25US$21.42
US$21.90
+2.24%
4.66%US$23.00US$20.00US$20.785
US$25.79
Fair Value
10.1% undervalued intrinsic discount
7
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/11 22:00
End of Day Share Price 2026/09/11 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Simmons First National Corporation is covered by 11 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David GeorgeBaird
Gary TennerD.A. Davidson & Co.
null nullD.A. Davidson & Co.