Simmons First National (NASDAQ:SFNC) Delivers Strong Q4 CY2025 Numbers

Stock Story

Regional banking company Simmons First National beat Wall Street’s revenue expectations in Q4 CY2025, with sales up 15.9% year on year to $249 million. Its non-GAAP profit of $0.54 per share was 12.9% above analysts’ consensus estimates.

Simmons First National (SFNC) Q4 CY2025 Highlights:

Net Interest Income: $197.3 million vs analyst estimates of $192.8 million (19.6% year-on-year growth, 2.3% beat)
Net Interest Margin: 3.8% vs analyst estimates of 3.7% (13.2 basis point beat)
Revenue: $249 million vs analyst estimates of $239.2 million (15.9% year-on-year growth, 4.1% beat)
Efficiency Ratio: 55.5% vs analyst estimates of 57.8% (227.6 basis point beat)
Adjusted EPS: $0.54 vs analyst estimates of $0.48 (12.9% beat)
Tangible Book Value per Share: $13.91 vs analyst estimates of $13.77 (17.2% year-on-year decline, 1% beat)
Market Capitalization: $2.78 billion

Company Overview

With roots dating back to 1903 and a presence across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, Simmons First National is a regional bank holding company that provides banking and financial services to individuals and businesses.

Sales Growth

In general, banks make money from two primary sources. The first is net interest income, which is interest earned on loans, mortgages, and investments in securities minus interest paid out on deposits. The second source is non-interest income, which can come from bank account, credit card, wealth management, investing banking, and trading fees. Over the last five years, Simmons First National grew its revenue at a weak 1.9% compounded annual growth rate. This was below our standards and is a rough starting point for our analysis.

Simmons First National Quarterly Revenue

We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. Simmons First National’s annualized revenue growth of 4% over the last two years is above its five-year trend, but we were still disappointed by the results.

Simmons First National Year-On-Year Revenue Growth

Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.

This quarter, Simmons First National reported year-on-year revenue growth of 15.9%, and its $249 million of revenue exceeded Wall Street’s estimates by 4.1%.

Net interest income made up 76.9% of the company’s total revenue during the last five years, meaning lending operations are Simmons First National’s largest source of revenue.

Simmons First National Quarterly Net Interest Income as % of Revenue

Markets consistently prioritize net interest income growth over fee-based revenue, recognizing its superior quality and recurring nature compared to the more unpredictable non-interest income streams.

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Tangible Book Value Per Share (TBVPS)

Banks profit by intermediating between depositors and borrowers, making them fundamentally balance sheet-driven enterprises. Market participants emphasize balance sheet quality and sustained book value growth when evaluating these institutions.

This explains why tangible book value per share (TBVPS) stands as the premier banking metric. TBVPS strips away questionable intangible assets, revealing concrete per-share net worth that investors can trust. Traditional metrics like EPS are helpful but face distortion from M&A activity and loan loss accounting rules.

Simmons First National’s TBVPS declined at a 3.4% annual clip over the last five years. A turnaround doesn’t seem to be in sight as its TBVPS also dropped by 6.5% annually over the last two years ($15.92 to $13.91 per share).

Simmons First National Quarterly Tangible Book Value per Share

Over the next 12 months, Consensus estimates call for Simmons First National’s TBVPS to grow by 8.4% to $15.07, paltry growth rate.

Key Takeaways from Simmons First National’s Q4 Results

We enjoyed seeing Simmons First National beat analysts’ revenue expectations this quarter. We were also glad its EPS outperformed Wall Street’s estimates. Zooming out, we think this quarter featured some important positives. The stock remained flat at $19.29 immediately following the results.

Should you buy the stock or not? We think that the latest quarter is only one piece of the longer-term business quality puzzle. Quality, when combined with valuation, can help determine if the stock is a buy. We cover that in our actionable full research report which you can read here (it’s free).

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Netflix, U.S. Bancorp, 3M, and more set to report earnings Tuesday

Investing.com

NVIDIA

-3.41%

Advanced Micro Devices

Earnings season continues to gain momentum as we approach another busy day of financial results. Below we highlight companies expected to report earnings the next trading day so you can prepare for the market’s reaction. Leading the action on Tuesday, January 20, are major players including Netflix, U.S. Bancorp, 3M, D.R. Horton, and Fifth Third Bank, representing sectors from streaming entertainment to banking and manufacturing.

Earnings Before the Open:

• 3M Co (MMM): EPS estimate of $1.80 on revenue of $6.01B

• U.S. Bancorp (USB): EPS estimate of $1.19 on revenue of $7.32B

• D.R. Horton Inc (DHI): EPS estimate of $1.93 on revenue of $6.59B

• Fastenal Co (FAST): EPS estimate of $0.2599 on revenue of $2.04B

• Fifth Third Bank (FITB): EPS estimate of $0.9952 on revenue of $2.34B

• KeyCorp New (KEY): EPS estimate of $0.3857 on revenue of $1.96B

• Forestar Group Inc (FOR): EPS estimate of $0.3175 on revenue of $265.48M

• Peoples Bancorp Inc (PEBO): EPS estimate of $0.8786 on revenue of $117.98M

• Mercantile Bank (MBWM): EPS estimate of $1.34 on revenue of $61.91M

Earnings After the Close:

• Netflix Inc (NFLX): EPS estimate of $0.5522 on revenue of $11.97B

• Interactive Brokers (IBKR): EPS estimate of $0.5854 on revenue of $1.61B

• United Continental (UAL): EPS estimate of $2.96 on revenue of $15.39B

• Zions Bancorp (ZION): EPS estimate of $1.57 on revenue of $865.18M

• Wintrust Financial (WTFC): EPS estimate of $2.93 on revenue of $701.8M

• Bank of the Ozarks (OZK): EPS estimate of $1.55 on revenue of $435.01M

• Hancock Holding Co (HWC): EPS estimate of $1.48 on revenue of $391.49M

• Progress Software (PRGS): EPS estimate of $1.31 on revenue of $252.71M

• Simmons First National (SFNC): EPS estimate of $0.4871 on revenue of $238.72M

• ServisFirst Bancshares (SFBS): EPS estimate of $1.38 on revenue of $151.82M

• SmartFinancial Inc (SMBK): EPS estimate of $0.7833 on revenue of $51.39M

Be sure to check back daily for updates and insights into the earnings season and get real-time results at Investing.com’s Earnings Calendar and latest headlines. Do you want to trade the earnings of the biggest companies like a pro? Then get InvestingPro now and access over 1000 metrics that will give you a significant advantage in the shark tank that is Wall Street. Click here.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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Simmons First National (SFNC) Q4 Earnings Report Preview: What To Look For

Stock Story

Simmons First National

+1.53%

Regional banking company Simmons First National will be reporting results this Tuesday after market close. Here’s what to expect.

Simmons First National beat analysts’ revenue expectations by 1.2% last quarter, reporting revenues of $236.3 million, up 12.7% year on year. It was a slower quarter for the company, with EPS in line with analysts’ estimates and a miss of analysts’ tangible book value per share estimates.

Is Simmons First National a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Simmons First National’s revenue to grow 11.3% year on year to $239.2 million, improving from the 5.2% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.48 per share.

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Simmons First National has missed Wall Street’s revenue estimates twice over the last two years.

Looking at Simmons First National’s peers in the regional banks segment, some have already reported their Q4 results, giving us a hint as to what we can expect. First Horizon delivered year-on-year revenue growth of 8.1%, beating analysts’ expectations by 3.2%, and BOK Financial reported revenues up 12.2%, topping estimates by 7.1%. First Horizon traded up 102% following the results while BOK Financial was also up 1.5%.

Read our full analysis of First Horizon’s results here and BOK Financial’s results here.

Investors in the regional banks segment have had steady hands going into earnings, with share prices up 1.4% on average over the last month. Simmons First National is down 1.1% during the same time and is heading into earnings with an average analyst price target of $22.17 (compared to the current share price of $19.22).

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Regional Banks Stocks Q3 Recap: Benchmarking Simmons First National (NASDAQ:SFNC)

Stock Story

CVB Financial

+1.92%

Simmons First National

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how regional banks stocks fared in Q3, starting with Simmons First National .

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 98 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 9.3% on average since the latest earnings results.

Simmons First National

Simmons First National reported revenues of $236.3 million, up 12.7% year on year. This print exceeded analysts’ expectations by 1.2%. Despite the top-line beat, it was still a slower quarter for the company with EPS in line with analysts’ estimates and a miss of analysts’ tangible book value per share estimates.

Interestingly, the stock is up 7% since reporting and currently trades at $19.29.

Read our full report on Simmons First National here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 15.9% since reporting. It currently trades at $75.95.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 10.8% since the results and currently trades at $68.84.

Read our full analysis of The Bancorp’s results here.

United Bankshares

With roots dating back to 1982 and a strong presence in the Mid-Atlantic region, United Bankshares is a bank holding company that provides commercial and retail banking services through its United Bank subsidiary across multiple states.

United Bankshares reported revenues of $313.7 million, up 19.4% year on year. This result beat analysts’ expectations by 1.8%. It was a strong quarter as it also recorded an impressive beat of analysts’ tangible book value per share estimates and a beat of analysts’ EPS estimates.

The stock is up 12.7% since reporting and currently trades at $39.94.

Read our full, actionable report on United Bankshares here, it’s free for active Edge members.

CVB Financial

With roots dating back to 1974 and a focus on serving small and medium-sized businesses, CVB Financial operates Citizens Business Bank, providing banking, lending, and trust services to businesses and individuals across California.

CVB Financial reported revenues of $131.3 million, up 1.6% year on year. This print met analysts’ expectations. Zooming out, it was a mixed quarter as it also logged a narrow beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 4.9% since reporting and currently trades at $19.54.

Read our full, actionable report on CVB Financial here, it’s free for active Edge members.

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Columbia Financial, BOK Financial, Flagstar Financial, WSFS Financial, and Simmons First National Shares Are Soaring, What You Need To Know

Stock Story

Simmons First National

+1.53%

WSFS Financial

+1.55%

New York Community Bancorp

+0.29%

What Happened?

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Federal Reserve President John Williams stated he sees “room for a further adjustment” in the near term, sparking a significant market rally. Following his remarks, the probability of the central bank cutting rates at its December meeting jumped from 39% to over 73%, according to the CME FedWatch tool. This positive sentiment provided relief to markets amid concerns over high valuations, particularly in AI-related stocks.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

Thrifts & Mortgage Finance company Columbia Financial jumped 4%. Is now the time to buy Columbia Financial? Access our full analysis report here, it’s free for active Edge members.
Regional Banks company BOK Financial jumped 4.2%. Is now the time to buy BOK Financial? Access our full analysis report here, it’s free for active Edge members.
Thrifts & Mortgage Finance company Flagstar Financial jumped 4.2%. Is now the time to buy Flagstar Financial? Access our full analysis report here, it’s free for active Edge members.
Regional Banks company WSFS Financial jumped 4%. Is now the time to buy WSFS Financial? Access our full analysis report here, it’s free for active Edge members.
Regional Banks company Simmons First National jumped 4.2%. Is now the time to buy Simmons First National? Access our full analysis report here, it’s free for active Edge members.

Zooming In On BOK Financial (BOKF)

BOK Financial’s shares are not very volatile and have only had 3 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The biggest move we wrote about over the last year was 3 months ago when the stock gained 4.4% on the news that the major indices rebounded, as Fed Chair Jerome Powell delivered dovish remarks at the much-awaited Jackson Hole symposium. Powell suggested that with inflation risks moderating and unemployment remaining low, the Federal Reserve might consider a shift in its monetary policy stance, including potential interest rate cuts. This outlook eased market concerns about prolonged high interest rates and their impact on economic growth. The prospect of lower borrowing costs bolstered investor confidence, particularly in sectors that have lagged, leading to a broad rally across the market.

BOK Financial is up 2.6% since the beginning of the year, and at $109.60 per share, it is trading close to its 52-week high of $119.67 from November 2024. Investors who bought $1,000 worth of BOK Financial’s shares 5 years ago would now be looking at an investment worth $1,573.

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Simmons First National Corporation Declares $0.2125 Per Share Dividend

Dow Jones Newswires

Simmons First National

+1.53%

PINE BLUFF, Ark., Nov. 10, 2025 /PRNewswire/ — Simmons First National Corporation (Simmons or Company) announced today that its board of directors has declared a quarterly cash dividend on Simmons' Class A common stock of $0.2125 per share, which is payable on January 2, 2026, to shareholders of record as of December 15, 2025. The cash dividend rate represents an increase of 1 percent from the dividend paid for the same time period last year.

The annualized cash dividend rate of $0.85 for 2025 represents a ten-year compound annual growth rate of 6 percent and marks the 116(th) consecutive year that Simmons has paid cash dividends. According to research by Dividend Power, Simmons is one of only 25 U.S. publicly traded companies that have paid dividends for 100+ uninterrupted years. This marks the 14th consecutive year that Simmons has increased its dividend, earning it Dividend Power's designation as a "Dividend Contender," a title exclusively for companies that have increased their dividend for 10 to 24 consecutive years. As of September 20, 2025, Dividend Power research noted that Simmons is one of only 353 companies out of nearly 6,000 companies listed on the New York Stock Exchange (NYSE) and NASDAQ to achieve this distinction.

Simmons First National Corporation

Simmons First National Corporation is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 116 consecutive years. Its principal subsidiary, Simmons Bank, operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas. In 2024, Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks 2025, by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South and by Forbes as one of America's Best-In-State Banks 2024 in Tennessee and America's Best-In-State Employers 2024 in Missouri. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X (formerly Twitter) or by visiting our newsroom.

Forward-Looking Statements

This press release contains statements related to dividends that are not based on historical facts and constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. By nature, such forward-looking statements are based on various assumptions and involve inherent risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by the forward-looking statements. Among other risks, there can be no guarantee that the board of directors of Simmons will approve a quarterly dividend in future quarters, and the timing, payment, and amount of future dividends (if any) may differ significantly from past dividends. Additional information on other risk factors that could affect the forward-looking statements is included in the Company's Form 10-K for the year ended December 31, 2024, the Company's Form 10-Q for the quarter ended September 30, 2025, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange Commission (the SEC), all of which are available from the SEC on its website, www.sec.gov. Any forward-looking statement speaks only as of the date of this press release, and Simmons undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date of this press release.

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SOURCE Simmons First National Corporation

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