Simmons First National Corp - Understand $sfnc stock

$SFNC Market Cap: $3.112 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$986.1M

TTM

Gross Margin

Net Earnings

$128.3M

TTM

Current Assets

Current Liabilities

$393.0M

Q3 2024

Current Ratio

Total Assets

$27.27B

Q3 2024

Total Liabilities

$23.74B

Q3 2024

Book Value

$3.529B

Q3 2024

Cash

$603.4M

Q3 2024

P/E

24.26

Nov 13, 2024 EST

Free Cash Flow

$534.5M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$1.210B	$861.7M	$671.1M	$759.7M	$783.1M	$676.8M	$395.0M	$301.0M	$300.9M	$185.0M
YoY Change	40.43%	28.41%	-11.67%	-2.99%	15.7%	71.35%	31.23%	0.02%	62.64%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$1.210B	$861.7M	$671.1M	$759.7M	$783.1M	$676.8M	$395.0M	$301.0M	$300.9M	$185.0M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$47.88M	$48.96M	$47.22M	$49.04M	$36.26M	$28.41M	$21.06M	$16.98M	$13.65M	$7.933M	$6.100M	$5.500M	$6.100M	$5.700M	$5.800M	$5.700M	$5.500M	$5.500M	$4.900M	$5.400M	$5.100M	$5.100M	$7.700M	$7.000M	$6.300M	$6.800M	$6.300M	$4.300M	$3.300M	$1.300M	$1.800M	$2.300M	$1.800M	$1.500M	$1.400M	$1.900M
YoY Change	-2.22%	3.69%	-3.71%	35.25%	27.61%	34.9%	24.05%	24.34%	72.12%	30.05%	10.91%	-9.84%	7.02%	-1.72%	1.75%	3.64%	0.0%	12.24%	-9.26%	5.88%	0.0%	-33.77%	10.0%	11.11%	-7.35%	7.94%	46.51%	30.3%	153.85%	-27.78%	-21.74%	27.78%	20.0%	7.14%	-26.32%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	$560.0M	$144.4M	$79.53M	$120.0M	$181.4M	$128.1M	$40.07M	$21.80M	$22.35M	$13.97M
YoY Change	287.78%	81.59%	-33.72%	-33.85%	41.55%	219.75%	83.83%	-2.48%	60.0%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	$200.6M	$306.6M	$332.5M	$319.8M	$302.4M	$266.1M	$154.9M	$143.4M	$107.3M	$50.30M	$32.50M	$40.00M	$35.80M	$54.40M	$35.40M	$38.30M	$39.70M	$39.90M	$39.50M	$35.90M	$34.70M	$31.80M	$22.90M	$27.30M	$24.50M	$23.20M	$21.60M	$15.60M	$14.20M	$13.60M	$12.90M	$10.40M	$7.200M	$6.200M	$3.600M	$4.200M	$3.500M	$3.500M	$2.500M	$3.900M	$3.100M
YoY Change	-34.56%	-7.8%	3.97%	5.75%	13.64%	71.79%	8.02%	33.64%	113.32%	54.77%	-18.75%	11.73%	-34.19%	53.67%	-7.57%	-3.53%	-0.5%	1.01%	10.03%	3.46%	9.12%	38.86%	-16.12%	11.43%	5.6%	7.41%	38.46%	9.86%	4.41%	5.43%	24.04%	44.44%	16.13%	72.22%	-14.29%	20.0%	0.0%	40.0%	-35.9%	25.81%
Income Tax	$25.55M	$50.15M	$61.31M	$64.89M	$64.27M	$50.36M	$61.98M	$46.62M	$32.90M	$14.60M	$9.300M	$12.30M	$10.40M	$17.30M	$10.20M	$11.40M	$12.40M	$12.40M	$12.50M	$11.50M	$10.90M	$9.700M	$6.400M	$8.500M	$7.400M	$6.700M	$6.600M	$4.500M	$4.200M	$3.800M	$3.500M	$2.900M	$1.900M	$1.800M	$500.0K	$700.0K	$200.0K	$300.0K	-$700.0K	$700.0K	$300.0K
% Of Pretax Income	12.73%	16.36%	18.44%	20.29%	21.25%	18.92%	40.01%	32.51%	30.66%	29.03%	28.62%	30.75%	29.05%	31.8%	28.81%	29.77%	31.23%	31.08%	31.65%	32.03%	31.41%	30.5%	27.95%	31.14%	30.2%	28.88%	30.56%	28.85%	29.58%	27.94%	27.13%	27.88%	26.39%	29.03%	13.89%	16.67%	5.71%	8.57%	-28.0%	17.95%	9.68%
Net Earnings	$175.1M	$256.4M	$271.2M	$254.9M	$238.2M	$215.7M	$92.94M	$96.81M	$74.36M	$35.69M	$23.20M	$27.70M	$25.40M	$37.10M	$25.20M	$26.90M	$27.40M	$27.50M	$27.00M	$24.40M	$23.80M	$22.10M	$16.50M	$18.90M	$17.20M	$16.50M	$15.00M	$11.10M	$10.00M	$9.900M	$9.400M	$7.500M	$5.300M	$4.400M	$3.100M	$3.400M	$3.300M	$3.200M	$3.100M	$3.200M	$2.800M
YoY Change	-31.73%	-5.44%	6.38%	7.03%	10.41%	132.1%	-4.0%	30.19%	108.37%	53.83%	-16.25%	9.06%	-31.54%	47.22%	-6.32%	-1.82%	-0.36%	1.85%	10.66%	2.52%	7.69%	33.94%	-12.7%	9.88%	4.24%	10.0%	35.14%	11.0%	1.01%	5.32%	25.33%	41.51%	20.45%	41.94%	-8.82%	3.03%	3.13%	3.23%	-3.13%	14.29%
Net Earnings / Revenue	14.47%	29.76%	40.41%	33.55%	30.41%	31.87%	23.53%	32.16%	24.71%	19.29%
Basic Earnings Per Share	$1.39	$2.07	$2.47	$2.32	$2.42	$2.34	$1.34	$1.58	$1.32	$2.11
Diluted Earnings Per Share	$1.39	$2.034M	$2.46	$2.31	$2.41	$2.32	$1.33	$1.56	$1.31	$2.11	$709.5K	$819.5K	$734.1K	$1.075M	$872.0K	$953.9K	$961.4K	$951.6K	$918.4K	$821.5K	$826.4K	$767.4K	$576.9K	$645.1K	$583.1K	$561.2K	$513.7K	$444.0K	$436.7K	$448.0K	$463.1K	$436.0K	$315.5K	$261.9K	$184.5K	$202.4K	$196.4K	$190.5K	$184.5K	$190.5K	$166.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$570.7M	$548.7M	$483.0M	$442.0M	$492.0M	$295.0M	$287.0M	$199.0M	$194.0M	$122.0M	$120.0M	$88.00M	$86.00M	$77.00M	$78.00M	$79.00M	$75.00M	$68.00M	$63.00M	$57.00M	$49.00M	$47.00M	$46.00M	$47.00M	$40.00M	$38.00M	$31.00M	$21.00M	$16.00M	$12.00M	$10.00M	$9.000M	$8.000M	$8.000M	$8.000M	$8.000M	$10.00M	$11.00M	$11.00M	$10.00M	$6.000M
YoY Change	4.0%	13.61%	9.28%	-10.16%	66.78%	2.79%	44.22%	2.58%	59.02%	1.67%	36.36%	2.33%	11.69%	-1.28%	-1.27%	5.33%	10.29%	7.94%	10.53%	16.33%	4.26%	2.17%	-2.13%	17.5%	5.26%	22.58%	47.62%	31.25%	33.33%	20.0%	11.11%	12.5%	0.0%	0.0%	0.0%	-20.0%	-9.09%	0.0%	10.0%	66.67%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$141.8M	$0.00	$27.00M	$29.00M	$250.0M	$15.00M	$184.0M	$34.00M	$31.00M	$48.00M	$50.00M
YoY Change		-100.0%	-6.9%	-88.4%	1566.67%	-91.85%	441.18%	9.68%	-35.42%	-4.0%
Total Long-Term Assets
YoY Change
Total Assets	$27.35B	$27.46B	$24.73B	$22.36B	$21.26B	$16.54B	$15.06B	$8.400B	$7.560B	$4.643B	$4.383B	$3.527B	$3.320B	$3.316B	$3.093B	$2.923B	$2.692B	$2.651B	$2.524B	$2.414B	$2.236B	$1.978B	$2.017B	$1.912B	$1.697B	$1.687B	$1.412B	$881.0M	$840.0M	$713.0M	$739.0M	$706.0M	$673.0M	$648.0M	$528.0M	$532.0M	$527.0M	$527.0M	$493.0M	$475.0M	$349.0M
YoY Change
Accounts Payable	$267.7M	$257.9M	$153.0M	$186.0M	$125.0M	$103.0M	$78.00M	$65.00M	$74.00M	$42.00M	$36.00M	$33.00M	$26.00M	$36.00M	$21.00M	$23.00M	$24.00M	$22.00M	$17.00M	$15.00M	$14.00M	$16.00M	$16.00M	$21.00M	$16.00M	$26.00M
YoY Change	3.81%	68.57%	-17.74%	48.8%	21.36%	32.05%	20.0%	-12.16%	76.19%	16.67%	9.09%	26.92%	-27.78%	71.43%	-8.7%	-4.17%	9.09%	29.41%	13.33%	7.14%	-12.5%	0.0%	-23.81%	31.25%	-38.46%
Accrued Expenses	$68.79M	$47.85M	$49.00M	$31.00M	$41.00M
YoY Change	43.76%	-2.35%	58.06%	-24.39%
Deferred Revenue
YoY Change
Short-Term Debt	$67.97M	$160.4M	$185.0M	$299.0M	$150.0M	$96.00M	$122.0M	$115.0M	$99.00M	$111.0M	$108.0M	$104.0M	$115.0M	$110.0M	$110.0M	$117.0M	$131.0M	$111.0M	$115.0M	$107.0M	$107.0M	$90.00M	$90.00M	$71.00M	$66.00M	$80.00M	$47.00M	$31.00M	$22.00M	$26.00M	$31.00M	$42.00M	$42.00M	$55.00M	$41.00M	$58.00M	$50.00M	$78.00M	$76.00M	$75.00M	$71.00M
YoY Change	-57.63%	-13.3%	-38.13%	99.33%	56.25%	-21.31%	6.09%	16.16%	-10.81%	2.78%	3.85%	-9.57%	4.55%	0.0%	-5.98%	-10.69%	18.02%	-3.48%	7.48%	0.0%	18.89%	0.0%	26.76%	7.58%	-17.5%	70.21%	51.61%	40.91%	-15.38%	-16.13%	-26.19%	0.0%	-23.64%	34.15%	-29.31%	16.0%	-35.9%	2.63%	1.33%	5.63%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$335.7M	$257.9M	$202.0M	$217.0M	$166.0M	$103.0M	$78.00M	$65.00M	$74.00M	$42.00M	$36.00M	$33.00M	$26.00M	$36.00M	$21.00M	$23.00M	$24.00M	$22.00M	$17.00M	$15.00M	$14.00M	$16.00M	$16.00M	$21.00M	$16.00M	$26.00M	$47.00M	$31.00M	$22.00M	$26.00M	$31.00M	$42.00M	$42.00M	$55.00M	$41.00M	$58.00M	$50.00M	$78.00M	$76.00M	$75.00M	$71.00M
YoY Change	30.16%	27.68%	-6.91%	30.72%	61.17%	32.05%	20.0%	-12.16%	76.19%	16.67%	9.09%	26.92%	-27.78%	71.43%	-8.7%	-4.17%	9.09%	29.41%	13.33%	7.14%	-12.5%	0.0%	-23.81%	31.25%	-38.46%	-44.68%	51.61%	40.91%	-15.38%	-16.13%	-26.19%	0.0%	-23.64%	34.15%	-29.31%	16.0%	-35.9%	2.63%	1.33%	5.63%
Long-Term Debt	$1.339B	$1.225B	$416.0M	$416.0M	$423.0M	$354.0M	$259.0M	$108.0M	$113.0M	$64.00M	$67.00M	$21.00M	$31.00M	$31.00M	$31.00M	$31.00M	$31.00M	$33.00M	$35.00M	$37.00M	$55.00M	$27.00M	$42.00M	$42.00M	$46.00M	$50.00M	$38.00M	$1.000M	$5.000M	$12.00M	$12.00M	$12.00M	$12.00M	$12.00M	$12.00M	$12.00M	$13.00M	$10.00M	$10.00M	$11.00M	$0.00
YoY Change	9.24%	194.54%	0.0%	-1.65%	19.49%	36.68%	139.81%	-4.42%	76.56%	-4.48%	219.05%	-32.26%	0.0%	0.0%	0.0%	0.0%	-6.06%	-5.71%	-5.41%	-32.73%	103.7%	-35.71%	0.0%	-8.7%	-8.0%	31.58%	3700.0%	-80.0%	-58.33%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-7.69%	30.0%	0.0%	-9.09%
Other Long-Term Liabilities			$0.00	$155.0M	$160.0M	$0.00	$157.0M																				$15.00M	$11.00M	$11.00M	$8.000M	$10.00M	$10.00M	$10.00M	$12.00M	$8.000M	$8.000M	$5.000M	$5.000M	$5.000M	$12.00M	$3.000M
YoY Change			-100.0%	-3.13%		-100.0%																					36.36%	0.0%	37.5%	-20.0%	0.0%	0.0%	-16.67%	50.0%	0.0%	60.0%	0.0%	0.0%	-58.33%	300.0%
Total Long-Term Liabilities	$1.339B	$1.225B	$416.0M	$571.0M	$583.0M	$354.0M	$416.0M	$108.0M	$113.0M	$64.00M	$67.00M	$21.00M	$31.00M	$31.00M	$31.00M	$31.00M	$31.00M	$33.00M	$35.00M	$37.00M	$55.00M	$27.00M	$42.00M	$42.00M	$46.00M	$50.00M	$53.00M	$12.00M	$16.00M	$20.00M	$22.00M	$22.00M	$22.00M	$24.00M	$20.00M	$20.00M	$18.00M	$15.00M	$15.00M	$23.00M	$3.000M
YoY Change	9.24%	194.54%	-27.15%	-2.06%	64.69%	-14.9%	285.19%	-4.42%	76.56%	-4.48%	219.05%	-32.26%	0.0%	0.0%	0.0%	0.0%	-6.06%	-5.71%	-5.41%	-32.73%	103.7%	-35.71%	0.0%	-8.7%	-8.0%	-5.66%	341.67%	-25.0%	-20.0%	-9.09%	0.0%	0.0%	-8.33%	20.0%	0.0%	11.11%	20.0%	0.0%	-34.78%	666.67%
Total Liabilities	$23.92B	$24.19B	$21.48B	$19.38B	$18.27B	$14.30B	$12.97B	$7.249B	$6.483B	$4.149B	$3.979B	$3.121B	$2.912B	$2.919B	$2.722B	$2.634B	$2.420B	$2.392B	$2.280B	$2.176B	$2.026B	$1.780B	$1.835B	$1.739B	$1.538B	$1.537B	$1.291B	$779.0M	$743.0M	$630.0M	$663.0M	$655.0M	$628.0M	$608.0M	$491.0M	$498.0M	$495.0M	$498.0M	$465.0M	$449.0M	$326.0M
YoY Change	-1.13%	12.65%	10.8%	6.09%	27.79%	10.22%	78.94%	11.82%	56.25%	4.27%	27.49%	7.18%	-0.24%	7.24%	3.34%	8.84%	1.17%	4.91%	4.78%	7.4%	13.82%	-3.0%	5.52%	13.07%	0.07%	19.05%	65.73%	4.85%	17.94%	-4.98%	1.22%	4.3%	3.29%	23.83%	-1.41%	0.61%	-0.6%	7.1%	3.56%	37.73%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	126.3M shares	124.0M shares	109.6M shares	109.9M shares	98.35M shares	92.27M shares	69.39M shares	61.29M shares	56.17M	16.88M
Diluted Shares Outstanding	126.8M shares	124.5M shares	110.2M shares	110.2M shares	98.80M shares	92.83M shares	69.85M shares	61.93M shares	56.42M	16.92M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $3.1117 Billion

About Simmons First National Corp

Simmons First National Corp. is a holding company, which engages in the provision of banking and other financial products and services to individual and corporate customers. The company is headquartered in Pine Bluff, Arkansas and currently employs 3,007 full-time employees. The Company, through its subsidiary, Simmons Bank (the Bank), provides banking and other financial products and services in markets located in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. The company offers commercial banking products and services to business and other corporate customers. The company extends loans for a broad range of corporate purposes, including (among others) financing commercial real estate, construction of particular properties, commercial and industrial uses, acquisition and equipment financings, and other general corporate needs. The company is also engaged in small business administration (SBA) and agricultural finance lending, and it offers corporate credit card products, as well as corporate deposit products and treasury management services. In addition, it offers a variety of consumer banking products and services, including (among others) savings, time, and checking deposit products.

Industry: National Commercial Banks Peers: Associated Banc-Corp BancFirst Corp BankUnited Inc Cathay General Bancorp PACWEST BANCORP Fulton Financial Corp Pacific Premier Bancorp Inc PNC Financial Services Group Inc Texas Capital Bancshares Inc