TRMK vs SFNC vs HOMB vs RNST

For growth investors, Renasant Corporation (RNST) is the stronger pick with 39.

1% revenue growth year-over-year, versus -56. 7% for Simmons First National Corporation (SFNC). Trustmark Corporation (TRMK) offers the better valuation at 12. 1x trailing P/E (11. 5x 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, Trustmark Corporation (TRMK) is the cheapest at 12.

1x versus Renasant Corporation at 19. 6x. On forward P/E, Simmons First National Corporation is actually cheaper at 10. 5x — 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: Trustmark Corporation wins at 1. 43x versus Home Bancshares, Inc. 's 3. 57x — a reasonable growth-adjusted valuation.

Over the past 5 years, Trustmark Corporation (TRMK) delivered a total return of +47.

4%, compared to -14. 9% for Simmons First National Corporation (SFNC). Over 10 years, the gap is even starker: TRMK returned +127. 3% 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.

By beta (market sensitivity over 5 years), Home Bancshares, Inc.

(HOMB) is the lower-risk stock at 0. 82β versus Renasant Corporation's 1. 03β — meaning RNST is approximately 26% more volatile than HOMB relative to the S&P 500. On balance sheet safety, Simmons First National Corporation (SFNC) carries a lower debt/equity ratio of 19% versus 53% for Trustmark Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Renasant Corporation (RNST) is pulling ahead at 39.

1% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: Home Bancshares, Inc. grew EPS 3. 6% 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.

Home Bancshares, Inc.

(HOMB) is the more profitable company, earning 27. 7% net margin versus -63. 4% for Simmons First National Corporation — meaning it keeps 27. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HOMB leads at 36. 0% versus -84. 2% for SFNC. At the gross margin level — before operating expenses — TRMK leads at 71. 0%, 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, Trustmark Corporation (TRMK) is the more undervalued stock at a PEG of 1. 43x versus Home Bancshares, Inc. 's 3. 57x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Simmons First National Corporation (SFNC) trades at 10. 5x forward P/E versus 11. 5x for Trustmark Corporation — 1. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOMB: 18. 4% to $32. 00.

All stocks in this comparison pay dividends.

Simmons First National Corporation (SFNC) offers the highest yield at 4. 0%, versus 2. 0% for Renasant Corporation (RNST).

For long-horizon retirement investors, Home Bancshares, Inc.

(HOMB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 82), 2. 8% yield). Both have compounded well over 10 years (HOMB: +58. 1%, 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.

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: TRMK is a small-cap high-growth stock; SFNC is a small-cap income-oriented stock; HOMB is a small-cap deep-value stock; RNST is a small-cap high-growth 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.