BUSE vs FFIN vs BOKF vs SFNC

For growth investors, First Busey Corporation (BUSE) is the stronger pick with 57.

6% revenue growth year-over-year, versus -56. 7% for Simmons First National Corporation (SFNC). BOK Financial Corporation (BOKF) offers the better valuation at 16. 3x trailing P/E (12. 9x forward), making it the more compelling value choice. Analysts rate Simmons First National Corporation (SFNC) a "Buy" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, BOK Financial Corporation (BOKF) is the cheapest at 16.

3x versus First Financial Bankshares, Inc. at 20. 7x. On forward P/E, Simmons First National Corporation is actually cheaper at 10. 3x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: First Financial Bankshares, Inc. wins at 3. 04x versus BOK Financial Corporation's 4. 33x.

Over the past 5 years, BOK Financial Corporation (BOKF) delivered a total return of +58.

5%, compared to -28. 2% for First Financial Bankshares, Inc. (FFIN). Over 10 years, the gap is even starker: BOKF returned +166. 8% versus SFNC's +24. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), First Busey Corporation (BUSE) is the lower-risk stock at 0.

90β versus Simmons First National Corporation's 1. 01β — meaning SFNC is approximately 13% more volatile than BUSE relative to the S&P 500. On balance sheet safety, First Financial Bankshares, Inc. (FFIN) carries a lower debt/equity ratio of 12% versus 80% for BOK Financial Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), First Busey Corporation (BUSE) is pulling ahead at 57.

6% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: First Financial Bankshares, Inc. grew EPS 12. 2% year-over-year, compared to -343. 8% for Simmons First National Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

First Financial Bankshares, Inc.

(FFIN) is the more profitable company, earning 30. 2% net margin versus -63. 4% for Simmons First National Corporation — meaning it keeps 30. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FFIN leads at 36. 8% versus -84. 2% for SFNC. At the gross margin level — before operating expenses — FFIN leads at 70. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, First Financial Bankshares, Inc. (FFIN) is the more undervalued stock at a PEG of 3. 04x versus BOK Financial Corporation's 4. 33x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Simmons First National Corporation (SFNC) trades at 10. 3x forward P/E versus 15. 9x for First Financial Bankshares, Inc. — 5. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FFIN: 21. 7% to $39. 25.

All stocks in this comparison pay dividends.

Simmons First National Corporation (SFNC) offers the highest yield at 4. 0%, versus 1. 7% for BOK Financial Corporation (BOKF).

For long-horizon retirement investors, First Financial Bankshares, Inc.

(FFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 94), 2. 2% yield, +144. 5% 10Y return). Both have compounded well over 10 years (FFIN: +144. 5%, SFNC: +24. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: BUSE is a small-cap high-growth stock; FFIN is a small-cap high-growth stock; BOKF is a mid-cap deep-value stock; SFNC is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.