8-K Announcements
6Material company update
Apr 16, 2026·SEC
Material company update
Mar 3, 2026·SEC
Material company update
Feb 17, 2026·SEC
Simmons First National Corporation(SFNC)Earnings, Financials & Key Ratios
SFNC•NASDAQ•Banking & Credit
Price updated Jun 19, 2026
AboutSimmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. It offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; insurance products; and securities and investment services. The company also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. As of January 27, 2022, the company operated through 199 financial centers in Arkansas, Missouri, Tennessee, Texas, Oklahoma, and Kansas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.Show more
- Net Interest Income$719M+14.4%
- Total Revenue$627M-56.7%
- Net Income-$398M-360.4%
- Return on Equity-11.44%-360.6%
- Net Interest Margin2.93%+25.3%
- Efficiency Ratio89.98%+139.0%
- ROA-1.55%-374.6%
- Equity / Assets13.93%+6.1%
- Book Value per Share25.38-9.3%
SFNC Key Insights
Simmons First National Corporation (SFNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓14 consecutive years of dividend growth
- ✓Well capitalized: 13.9% equity/assets
- ✓Healthy dividend yield of 3.9%
- ✓Trading near 52-week high
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗High cost structure: 90.0% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when SFNC posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
SFNC Price & Volume
Simmons First National Corporation (SFNC) stock price & volume — 10-year historical chart
Loading chart...
SFNC Growth Metrics
Simmons First National Corporation (SFNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.96%
5 Years-8.57%
3 Years-14.97%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-360.36%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-328.93%
Return on Capital
10 Years5.34%
5 Years3.34%
3 Years1.15%
Last Year-4.2%
SFNC Recent Earnings
Simmons First National Corporation (SFNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 1/12 qtrs (9%)
Q2 2026Latest
Apr 16, 2026Metric
Actual
Est
EPS
$0.47+0.0%
$0.47
Rev
$241M-0.7%
$243M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$0.54
—
Rev
$359M
—
Q1 2026
Jan 20, 2026Metric
Actual
Est
EPS
$0.54+10.2%
$0.49
Rev
$249M+4.3%
$239M
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$0.46-2.1%
$0.47
Rev
$446M-291.0%
$233M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $0.47vs $0.47+0.0% | $241Mvs $243M-0.7% |
| Q1 2026 | Feb 25, 2026 | $0.54 | $359M |
| Q1 2026 | Jan 20, 2026 | $0.54vs $0.49+10.2% | $249Mvs $239M+4.3% |
| Q4 2025 | Oct 16, 2025 | $0.46vs $0.47-2.1% | $446Mvs $233M-291.0% |
Based on last 12 quarters of dataView full earnings history →
SFNC Peer Comparison
Simmons First National Corporation (SFNC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HOMB | 5.47B | 27.65 | 11.47 | -5.35% | 34.59% | 11.43% | 0.22 | |
 RNST | 3.92B | 41.69 | 20.14 | 39.12% | 13.48% | 5.1% | 0.27 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 CADE | 7.85B | 42.11 | 15.20 | 32.37% | 18.65% | 9.11% | 0.01 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 FULT | 4.41B | 22.90 | 11.01 | 5.03% | 20.7% | 11.6% | 0.37 | |
 UBSI | 6.2B | 44.42 | 13.58 | 12.33% | 25.52% | 8.6% | 0.17 |
Compare SFNC vs Peers
Simmons First National Corporation (SFNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SFNC Income Statement
Simmons First National Corporation (SFNC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 354.93M | 548.69M | 601.75M | 639.73M | 591.53M | 717.32M | 650.13M | 628.47M | 719.2M |
NII Growth % | 27.12% | 54.59% | 9.67% | 6.31% | -7.53% | 21.26% | -9.37% | -3.33% | 14.44% |
Net Interest Margin % | 2.36% | 3.32% | 2.83% | 2.86% | 2.39% | 2.61% | 2.38% | 2.34% | 2.93% |
Interest Income | 395M | 676.83M | 783.12M | 759.72M | 671.06M | 861.74M | 1.21B | 1.31B | 1.24B |
Interest Expense | 40.07M | 128.13M | 181.37M | 119.98M | 79.53M | 144.42M | 560.03M | 683.6M | 524.61M |
Loan Loss Provision | 26.39M | 38.15M | 43.24M | 74.97M | -31.21M | 14.07M | 31.12M | 46.78M | 65.82M |
Non-Interest Income | 126.58M | 133.42M | 188.87M | 221.2M | 176.88M | 157.82M | 131.42M | 134.28M | -617.02M |
Non-Interest Income % | 24.27% | 16.47% | 19.43% | 22.55% | 20.86% | 15.48% | 9.8% | 9.28% | -98.44% |
Total Revenue | 521.58M▲ 0% | 810.25M▲ 55.3% | 971.99M▲ 20.0% | 980.92M▲ 0.9% | 847.94M▼ 13.6% | 1.02B▲ 20.2% | 1.34B▲ 31.6% | 1.45B▲ 7.8% | 626.8M▼ 56.7% |
Revenue Growth % | 21.56% | 55.34% | 19.96% | 0.92% | -13.56% | 20.24% | 31.58% | 7.81% | -56.66% |
Non-Interest Expense | 300.19M | 377.89M | 444.95M | 466.17M | 467.16M | 554.5M | 549.82M | 544.66M | 564.02M |
Efficiency Ratio | 57.55% | 46.64% | 45.78% | 47.52% | 55.09% | 54.39% | 40.98% | 37.66% | 89.98% |
Operating Income | 154.92M▲ 0% | 266.07M▲ 71.7% | 302.43M▲ 13.7% | 319.79M▲ 5.7% | 332.46M▲ 4.0% | 306.56M▼ 7.8% | 200.6M▼ 34.6% | 171.31M▼ 14.6% | -527.65M▼ 408.0% |
Operating Margin % | 29.7% | 32.84% | 31.11% | 32.6% | 39.21% | 30.07% | 14.95% | 11.84% | -84.18% |
Operating Income Growth % | 8.01% | 71.74% | 13.67% | 5.74% | 3.96% | -7.79% | -34.56% | -14.6% | -408.01% |
Pretax Income | 154.92M▲ 0% | 266.07M▲ 71.7% | 302.43M▲ 13.7% | 319.79M▲ 5.7% | 332.46M▲ 4.0% | 306.56M▼ 7.8% | 200.6M▼ 34.6% | 171.31M▼ 14.6% | -527.65M▼ 408.0% |
Pretax Margin % | 29.7% | 32.84% | 31.11% | 32.6% | 39.21% | 30.07% | 14.95% | 11.84% | -84.18% |
Income Tax | 61.98M | 50.36M | 64.27M | 64.89M | 61.31M | 50.15M | 25.55M | 18.61M | -130.1M |
Effective Tax Rate % | 40.01% | 18.93% | 21.25% | 20.29% | 18.44% | 16.36% | 12.73% | 10.87% | 24.66% |
Net Income | 92.94M▲ 0% | 215.71M▲ 132.1% | 238.17M▲ 10.4% | 254.9M▲ 7.0% | 271.16M▲ 6.4% | 256.41M▼ 5.4% | 175.06M▼ 31.7% | 152.69M▼ 12.8% | -397.55M▼ 360.4% |
Net Margin % | 17.82% | 26.62% | 24.5% | 25.99% | 31.98% | 25.15% | 13.05% | 10.56% | -63.43% |
Net Income Growth % | -4% | 132.1% | 10.41% | 7.03% | 6.38% | -5.44% | -31.73% | -12.78% | -360.36% |
Net Income (Continuing) | 92.94M | 215.71M | 238.17M | 254.9M | 271.16M | 256.41M | 175.06M | 152.69M | -397.55M |
EPS (Diluted) | 1.33▲ 0% | 2.32▲ 74.4% | 2.41▲ 3.9% | 2.31▼ 4.1% | 2.47▲ 6.9% | 2.06▼ 16.6% | 1.38▼ 33.0% | 1.21▼ 12.3% | -2.95▼ 343.8% |
EPS Growth % | -14.74% | 74.44% | 3.88% | -4.15% | 6.93% | -16.6% | -33.01% | -12.32% | -343.8% |
EPS (Basic) | 1.34 | 2.34 | 2.42 | 2.32 | 2.47 | 2.07 | 1.39 | 1.22 | -2.78 |
Diluted Shares Outstanding | 92.03M | 92.83M | 113.63M | 110.17M | 110.08M | 127.05M | 125.18M | 126.12M | 134.73M |
SFNC Balance Sheet
Simmons First National Corporation (SFNC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.19B | 2.99B | 4.29B | 6.95B | 8.77B | 4.54B | 3.77B | 2.08B | 3.65B |
Cash & Due from Banks | 601.36M | 838.39M | 1B | 3.47B | 1.65B | 682.92M | 614.19M | 687.48M | 380.44M |
Short Term Investments | 1.59B | 2.15B | 3.29B | 3.47B | 7.11B | 3.85B | 3.15B | 1.4B | 3.27B |
Total Investments | 12.89B | 14.14B | 18.01B | 16.62B | 20.49B | 23.56B | 23.51B | 22.95B | 3.27B |
Investments Growth % | 77.73% | 9.71% | 27.37% | -7.68% | 23.25% | 15.01% | -0.22% | -2.38% | -85.77% |
Long-Term Investments | 11.3B | 11.98B | 14.72B | 13.15B | 13.37B | 19.71B | 20.36B | 21.55B | 0 |
Accounts Receivables | 43.53M | 49.94M | 62.71M | 72.6M | 72.99M | 102.89M | 122.43M | 123.24M | 104.06M |
Goodwill & Intangibles | 948.72M | 937.02M | 1.18B | 1.19B | 1.25B | 1.45B | 1.43B | 1.42B | 1.41B |
Goodwill | 842.65M | 845.69M | 1.06B | 1.08B | 1.15B | 1.32B | 1.32B | 1.32B | 1.32B |
Intangible Assets | 106.07M | 91.33M | 127.34M | 111.11M | 106.23M | 128.95M | 112.64M | 97.24M | 84.42M |
PP&E (Net) | 287.25M | 295.06M | 492.38M | 441.69M | 483.47M | 548.74M | 570.68M | 585.43M | 561.22M |
Other Assets | 289.54M | 286.82M | 514.85M | 563.36M | 777.03M | 1.12B | 1.1B | 1.11B | 0 |
Total Current Assets | 2.23B | 3.04B | 4.35B | 7.02B | 8.84B | 4.64B | 3.89B | 2.21B | 3.75B |
Total Non-Current Assets | 12.82B | 13.5B | 16.91B | 15.34B | 15.89B | 22.82B | 23.46B | 24.67B | 1.97B |
Total Assets | 15.06B▲ 0% | 16.54B▲ 9.9% | 21.26B▲ 28.5% | 22.36B▲ 5.2% | 24.72B▲ 10.6% | 27.46B▲ 11.1% | 27.35B▼ 0.4% | 26.88B▼ 1.7% | 24.54B▼ 8.7% |
Asset Growth % | 79.23% | 9.88% | 28.51% | 5.18% | 10.58% | 11.07% | -0.42% | -1.72% | -8.69% |
Return on Assets (ROA) | 0.79% | 1.37% | 1.26% | 1.17% | 1.15% | 0.98% | 0.64% | 0.56% | -1.55% |
Accounts Payable | 77.97M | 102.8M | 165.42M | 217.4M | 201.86M | 257.92M | 0 | 0 | 0 |
Total Debt | 1.64B | 1.8B | 1.84B | 2.02B | 1.91B | 1.39B | 1.41B | 1.15B | 641.35M |
Net Debt | 1.04B | 956.8M | 834.83M | -1.45B | 254.97M | 702.77M | 792.28M | 461.3M | 260.91M |
Long-Term Debt | 1.45B | 1.7B | 1.69B | 1.72B | 1.72B | 1.23B | 1.34B | 1.11B | 619.97M |
Short-Term Debt | 197.44M | 95.79M | 150.15M | 299.11M | 185.4M | 160.4M | 67.97M | 37.11M | 21.38M |
Other Liabilities | 157.37M | 162K | 159.85M | 154.62M | 0 | 0 | 267.73M | 312.65M | 287.4M |
Total Current Liabilities | 11.37B | 12.6B | 16.42B | 17.5B | 19.75B | 22.97B | 22.31B | 21.92B | 4.35B |
Total Non-Current Liabilities | 1.6B | 1.7B | 1.85B | 1.88B | 1.72B | 1.23B | 1.61B | 1.42B | 907.36M |
Total Liabilities | 12.97B | 14.3B | 18.27B | 19.38B | 21.48B | 24.19B | 23.92B | 23.35B | 21.12B |
Total Equity | 2.08B▲ 0% | 2.25B▲ 7.8% | 2.99B▲ 33.1% | 2.98B▼ 0.4% | 3.25B▲ 9.1% | 3.27B▲ 0.6% | 3.43B▲ 4.8% | 3.53B▲ 3.0% | 3.42B▼ 3.1% |
Equity Growth % | 81.09% | 7.77% | 33.05% | -0.41% | 9.14% | 0.63% | 4.81% | 2.99% | -3.11% |
Equity / Assets (Capital Ratio) | 13.85% | 13.58% | 14.06% | 13.31% | 13.14% | 11.91% | 12.53% | 13.13% | 13.93% |
Return on Equity (ROE) | 5.74% | 9.96% | 9.1% | 8.55% | 8.71% | 7.87% | 5.23% | 4.39% | -11.44% |
Book Value per Share | 22.65 | 24.20 | 26.30 | 27.02 | 29.51 | 25.73 | 27.37 | 27.98 | 25.38 |
Tangible BV per Share | 12.34 | 14.11 | 15.89 | 16.25 | 18.14 | 14.33 | 15.92 | 16.74 | 14.95 |
Common Stock | 920K | 923K | 1.14M | 1.08M | 1.13M | 1.27M | 1.25M | 1.26M | 1.45M |
Additional Paid-in Capital | 1.59B | 1.6B | 2.12B | 2.01B | 2.16B | 2.53B | 2.5B | 2.51B | 2.85B |
Retained Earnings | 514.87M | 674.94M | 848.85M | 901.01M | 1.09B | 1.26B | 1.33B | 1.38B | 864.34M |
Accumulated OCI | -17.26M | -27.37M | 20.89M | 59.73M | -10.54M | -517.56M | -404.38M | -360.91M | -293.13M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 767K | 767K | 0 | 0 | 0 | 0 | 0 |
SFNC Cash Flow Statement
Simmons First National Corporation (SFNC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 114.56M | 226.98M | 256.08M | 202.54M | 277.78M | 322.2M | 540.98M | 425.92M | 461.19M |
Operating CF Growth % | 25.71% | 98.13% | 12.82% | -20.91% | 37.15% | 15.99% | 67.9% | -21.27% | 8.28% |
Net Income | 92.94M | 215.71M | 238.17M | 254.9M | 271.16M | 256.41M | 175.06M | 152.69M | -397.55M |
Depreciation & Amortization | 21.06M | 28.41M | 36.26M | 49.04M | 47.22M | 48.96M | 47.88M | 46.12M | 52.69M |
Deferred Taxes | 23.25M | 8.41M | 34.91M | -122K | 10.94M | 14.93M | -2.46M | -3.23M | -153.52M |
Other Non-Cash Items | -14.64M | -18.57M | -85.52M | -130.91M | 3.7M | -2.97M | 58.8M | 73.62M | 842.94M |
Working Capital Changes | -18.73M | -16.72M | 19.34M | 16.44M | -71.1M | -10.46M | 249.52M | 145.44M | 105.87M |
Cash from Investing | -338.47M | -1.4B | 604.48M | 1.19B | -2.54B | -946.23M | -183.59M | 369.51M | 1.56B |
Purchase of Investments | -855.57M | -785.28M | -1.71B | -4.45B | -5.97B | -592.65M | -75.89M | -7.07M | -608.9M |
Sale/Maturity of Investments | 1.26B | 338.99M | 2.05B | 4.08B | 1.36B | 1.22B | 635.94M | 633.47M | 2.75B |
Net Investment Activity | 409.26M | -446.3M | 342.87M | -371.55M | -4.61B | 631.5M | 560.06M | 626.4M | 2.14B |
Acquisitions | -38.8M | 0 | 178.26M | 0 | 25.43M | 276.4M | 0 | 0 | 30.04M |
Other Investing | -674.72M | -919.08M | 151.18M | 1.57B | 2.1B | -1.82B | -710.56M | -211.38M | -560.14M |
Cash from Financing | 536.29M | 1.4B | -697.39M | 1.08B | 438.46M | -344.5M | -425.42M | -722.15M | -2B |
Dividends Paid | -35.12M | -55.65M | -64.26M | -74.64M | -78.89M | -94.1M | -100.96M | -105.44M | -115.04M |
Share Repurchases | 0 | 0 | -10.13M | -113.33M | -133.23M | -111.13M | -40.32M | 0 | 0 |
Stock Issued | 618K | 1.03M | 0 | 0 | 1.17M | 0 | 0 | 970K | 327.11M |
Net Stock Activity | 618K | 1.03M | -10.13M | -113.33M | -132.06M | -111.13M | -40.32M | 970K | 327.11M |
Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
Other Financing | 51.92M | 1.28B | -365.7M | 1.23B | 732.39M | 433.65M | -397.2M | -390.68M | -1.71B |
Net Change in Cash | 312.38M▲ 0% | 235.42M▼ 24.6% | 163.16M▼ 30.7% | 2.48B▲ 1417.2% | -1.82B▼ 173.6% | -968.53M▲ 46.8% | -68.03M▲ 93.0% | 73.28M▲ 207.7% | 24.54M▼ 66.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 285.66M | 598.04M | 833.46M | 996.62M | 3.47B | 1.65B | 682.12M | 614.09M | 687.38M |
Cash at End | 598.04M | 833.46M | 996.62M | 3.47B | 1.65B | 682.12M | 614.09M | 687.38M | 711.91M |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow | 80.35M▲ 0% | 197.24M▲ 145.5% | 188.25M▼ 4.6% | 189.27M▲ 0.5% | 229.92M▲ 21.5% | 286.93M▲ 24.8% | 507.89M▲ 77.0% | 380.42M▼ 25.1% | 423.05M▲ 11.2% |
FCF Growth % | 11.22% | 145.49% | -4.56% | 0.54% | 21.48% | 24.8% | 77.01% | -25.1% | 11.21% |
SFNC Banking Ratios
Simmons First National Corporation (SFNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 8.69% | 5.74% | 9.96% | 9.1% | 8.55% | 8.71% | 7.87% | 5.23% | 4.39% | -11.44% |
Return on Assets (ROA) | 1.21% | 0.79% | 1.37% | 1.26% | 1.17% | 1.15% | 0.98% | 0.64% | 0.56% | -1.55% |
Net Interest Margin | 3.32% | 2.36% | 3.32% | 2.83% | 2.86% | 2.39% | 2.61% | 2.38% | 2.34% | 2.93% |
Efficiency Ratio | 56.81% | 57.55% | 46.64% | 45.78% | 47.52% | 55.09% | 54.39% | 40.98% | 37.66% | 89.98% |
Equity / Assets | 13.7% | 13.85% | 13.58% | 14.06% | 13.31% | 13.14% | 11.91% | 12.53% | 13.13% | 13.93% |
Book Value / Share | 18.59 | 22.65 | 24.2 | 26.3 | 27.02 | 29.51 | 25.73 | 27.37 | 27.98 | 25.38 |
NII Growth | 0.22% | 27.12% | 54.59% | 9.67% | 6.31% | -7.53% | 21.26% | -9.37% | -3.33% | 14.44% |
Dividend Payout | 29.69% | 37.78% | 25.8% | 26.84% | 29.26% | 29.08% | 36.7% | 57.67% | 69.05% | - |
Related:SFNC Dividend History·SFNC Revenue History·SFNC Price History·SFNC P/E History·SFNC Financial Ratios·SFNC Institutional Holders
SFNC SEC Filings & Documents
Simmons First National Corporation (SFNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
SFNC Frequently Asked Questions
Simmons First National Corporation (SFNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Simmons First National Corporation (SFNC) saw revenue decline by 56.7% over the past year.
Simmons First National Corporation (SFNC) reported a net loss of $397.6M for fiscal year 2025.
Dividend & Returns
Yes, Simmons First National Corporation (SFNC) pays a dividend with a yield of 3.90%. This makes it attractive for income-focused investors.
Simmons First National Corporation (SFNC) has a return on equity (ROE) of -11.4%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Simmons First National Corporation (SFNC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Simmons First National Corporation (SFNC) has an efficiency ratio of 90.0%. This is higher than peers, suggesting room for cost optimization.