SFNC
Simmons First National Corporation
Banks - Regional
Market Cap$3.13B
5Y Perf.+25.9%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
SFNC vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
SFNC vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SFNC | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $3.13B | $611.60B |
| Revenue (TTM) | $627M | $40.00B |
| Net Income (TTM) | $-398M | $22.24B |
| Gross Margin | 5.8% | 80.4% |
| Operating Margin | -84.2% | 60.0% |
| Forward P/E | 10.5x | 24.4x |
| Total Debt | $641M | $25.17B |
| Cash & Equiv. | $380M | $20.15B |
SFNC vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SFNC
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Simmons First Natio… (SFNC) | 100 | 125.9 | +25.9% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SFNC vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Simmons First National Corporation is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
SFNC
Simmons First National Corporation
The Banking Pick
SFNC is the clearest fit if your priority is value and dividends.
- Lower P/E (10.5x vs 24.4x)
- 4.0% yield, 6-year raise streak, vs V's 0.7%
- +17.7% vs V's -7.6%
Best for: value and dividends
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 328.6% 10Y total return vs SFNC's 26.4%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs SFNC's -56.7% |
| Value | SFNC | Lower P/E (10.5x vs 24.4x) |
| Quality / Margins | V | Efficiency ratio 0.2% vs SFNC's 0.9% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs SFNC's 1.02 |
| Dividends | SFNC | 4.0% yield, 6-year raise streak, vs V's 0.7% |
| Momentum (1Y) | SFNC | +17.7% vs V's -7.6% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs SFNC's 0.9% |
SFNC vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
SFNC vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSFNCLAGGINGV
VVisa Inc.
2leads
SFNCSimmons First Nationa…
2leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V3/5
Valuation MetricsMultiples, price ratios, and targets
SFNC5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SFNC4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 63.8x SFNC's $627M. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to SFNC's -63.4%.
| Metric | SFNCSimmons First Nat… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $627M | $40.0B |
| EBITDAEarnings before interest/tax | -$497M | $27.6B |
| Net IncomeAfter-tax profit | -$398M | $22.2B |
| Free Cash FlowCash after capex | $755M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +5.8% | +80.4% |
| Operating MarginEBIT ÷ Revenue | -84.2% | +60.0% |
| Net MarginNet income ÷ Revenue | -63.4% | +50.1% |
| FCF MarginFCF ÷ Revenue | +71.7% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +42.1% | +35.3% |
V leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
SFNC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
| Metric | SFNCSimmons First Nat… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $3.1B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $3.4B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | -7.32x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.46x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.97x |
| EV / EBITDAEnterprise value multiple | — | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 4.99x | 15.29x |
| Price / BookPrice ÷ Book value/share | 0.85x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 6.95x | 28.35x |
SFNC leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
V leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $-12 for SFNC. SFNC carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), V scores 5/9 vs SFNC's 4/9, reflecting solid financial health.
| Metric | SFNCSimmons First Nat… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | -11.6% | +58.9% |
| ROA (TTM)Return on assets | -1.6% | +22.7% |
| ROICReturn on invested capital | -9.1% | +29.2% |
| ROCEReturn on capital employed | -4.2% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.19x | 0.66x |
| Net DebtTotal debt minus cash | $261M | $5.0B |
| Cash & Equiv.Liquid assets | $380M | $20.2B |
| Total DebtShort + long-term debt | $641M | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | -1.01x | 26.72x |
V leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SFNC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,202 today (with dividends reinvested), compared to $8,512 for SFNC. Over the past 12 months, SFNC leads with a +17.7% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors SFNC at 15.7% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | SFNCSimmons First Nat… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +15.9% | -7.8% |
| 1-Year ReturnPast 12 months | +17.7% | -7.6% |
| 3-Year ReturnCumulative with dividends | +54.9% | +40.2% |
| 5-Year ReturnCumulative with dividends | -14.9% | +42.0% |
| 10-Year ReturnCumulative with dividends | +26.4% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +15.7% | +11.9% |
SFNC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — SFNC and V each lead in 1 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than SFNC's 1.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SFNC currently trades 97.3% from its 52-week high vs V's 84.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SFNCSimmons First Nat… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.02x | 0.68x |
| 52-Week HighHighest price in past year | $22.18 | $375.51 |
| 52-Week LowLowest price in past year | $17.00 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +97.3% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 60.2 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 1.2M | 7.0M |
Evenly matched — SFNC and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — SFNC and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SFNC as "Buy" and V as "Buy". Consensus price targets imply 13.7% upside for V (target: $362) vs 5.0% for SFNC (target: $23). For income investors, SFNC offers the higher dividend yield at 3.95% vs V's 0.74%.
| Metric | SFNCSimmons First Nat… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $22.67 | $362.45 |
| # AnalystsCovering analysts | 9 | 61 |
| Dividend YieldAnnual dividend ÷ price | +4.0% | +0.7% |
| Dividend StreakConsecutive years of raises | 6 | 15 |
| Dividend / ShareAnnual DPS | $0.85 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.2% |
Evenly matched — SFNC and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SFNC leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallSimmons First National Corp… (SFNC)Leads 2 of 6 categories
Loading custom metrics...
SFNC vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SFNC or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus -56. 7% for Simmons First National Corporation (SFNC). Visa Inc. (V) offers the better valuation at 31. 3x trailing P/E (24. 4x 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.
02Which has the better valuation — SFNC or V?
On forward P/E, Simmons First National Corporation is actually cheaper at 10.
5x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — SFNC or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 0%, compared to -14. 9% for Simmons First National Corporation (SFNC). Over 10 years, the gap is even starker: V returned +328. 6% versus SFNC's +26. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SFNC or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Simmons First National Corporation's 1. 02β — meaning SFNC is approximately 51% more volatile than V relative to the S&P 500. On balance sheet safety, Simmons First National Corporation (SFNC) carries a lower debt/equity ratio of 19% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SFNC or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: Visa Inc. grew EPS 4. 8% 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.
06Which has better profit margins — SFNC or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus -63. 4% for Simmons First National Corporation — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus -84. 2% for SFNC. At the gross margin level — before operating expenses — V leads at 80. 4%, 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.
07Is SFNC or V more undervalued right now?
On forward earnings alone, Simmons First National Corporation (SFNC) trades at 10.
5x forward P/E versus 24. 4x for Visa Inc. — 13. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 13. 7% to $362. 45.
08Which pays a better dividend — SFNC or V?
All stocks in this comparison pay dividends.
Simmons First National Corporation (SFNC) offers the highest yield at 4. 0%, versus 0. 7% for Visa Inc. (V).
09Is SFNC or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Both have compounded well over 10 years (V: +328. 6%, SFNC: +26. 4%), 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.
10What are the main differences between SFNC and V?
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: SFNC is a small-cap income-oriented stock; V is a large-cap quality compounder 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(SFNC: -56.7% · V: 11.3%)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.