Simmons First National (SFNC)
Regional banking parent spanning lending, deposits, wealth management, cards, and insurance.
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Provides consumer, commercial, real-estate, agricultural, mortgage, treasury, trust, investment, card, and insurance services through Simmons Bank across the Mid-South. Earnings come mainly from interest spreads, with fee income from banking and wealth services; results depend on deposit funding, credit performance, interest rates, and bank regulation.
Operates Simmons Bank across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, serving individuals, small and midsize businesses, and larger commercial clients. Community banking covers deposits, consumer and real-estate lending, mortgages, cards, and digital banking; commercial banking adds commercial real estate, construction, industrial, equipment, agricultural, SBA, and treasury-management financing. A wealth group provides trust, investment, agency, and custody services, while bank-owned agencies sell personal and commercial insurance.
Combines local relationship teams with centralized support and earns mainly from the spread between interest on loans and securities and the cost of deposits and borrowings, supplemented by service fees. Credit quality, deposit stability, interest rates, and operating efficiency shape results. As a financial holding company, cash available to the parent depends principally on dividends from the regulated bank, subject to capital and supervisory limits.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 10, 2026 | Keefe, Bruyette & Woods | Upgrade | ||
| Sep 8, 2026 | Morgan Stanley | Downgrade | ||
| Sep 4, 2026 | National Bank | Target | Target: $25 | Target: $26 |
| Sep 4, 2026 | Piper Sandler | Upgrade | ||
| Sep 3, 2026 | Piper Sandler | Upgrade | Target: $20 | Target: $27.50 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $3.45B · Total debt $1.30B · Total assets $24.78B · Shareholders' equity $3.48B
- Revenue
- $355.6M
- Operating income
- $83.4M
- Net income
- $66.7M
HistoryDividendAnnual yield
| Institutions | 83.10% | 120.09M shares | |
|---|---|---|---|
| 321 holders · as of Jun 30, 2026 | |||
| Insiders | 1.49% | 2.15M shares | |
| 26 holders · as of Jul 2, 2026 | |||
| Other | 15.41% | 22.27M shares | |
| remainder | |||
144.51M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.40% | 20.81M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.10% | 8.81M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.63% | 8.14M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.58% | 6.61M | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 4.56% | 6.59M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Oct 30, 2025 | Steven A. Cosse | director | +8,603 | $17.44 |
| Oct 22, 2025 | David W. Garner | officer: EVP, Chief Accounting Officer | +3,000 | $17.66 |
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- Bank OZK
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- Commerce Bancshares
Missouri and Kansas peer with payments and wealth depth
- UMB Financial
Kansas City bank across Midwest commercial and wealth services
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Simmons First National | $22.50 | −0.02% | $3.29B | — | 10.3 | 5.8 | +69,452.9% |
| Regions Financial | $27.95 | +0.16% | $24.36B | 11.7 | 10.2 | 2.5 | +2.2% |
| BOK Financial | $131.05 | −0.02% | $8.09B | 12.5 | 12.6 | 2.4 | +4.8% |
| Prosperity Bancshares | $68.86 | −0.05% | $8.40B | 12.1 | 10.3 | 4.7 | +25.9% |
| Cullen/Frost Bankers | $156.02 | −0.03% | $9.87B | 15.0 | 13.7 | 3.7 | +9.4% |
| First Horizon | $23.34 | +0.06% | $11.36B | 11.4 | 10.8 | 2.5 | +9.9% |
| Bank OZK | $46.68 | −0.72% | $5.21B | 7.9 | 8.2 | 1.9 | +1.8% |
| Commerce Bancshares | $55.69 | −0.03% | $8.24B | 13.8 | 12.7 | 3.8 | +11.9% |
| UMB Financial | $134.21 | 0.00% | $10.14B | 11.1 | 10.1 | 2.2 | +22.9% |
| Median | 11.9 | 10.5 | 2.5 | +9.7% |