Simmons First National Corporation (SFNC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 11.78
30Y Low2.5·High20.8
P/FCF
↓
7.52
↓-10% vs avg
5yr avg: 8.39
30Y Low4.9·High59.1
P/B Ratio
↓
0.86
+5% vs avg
5yr avg: 0.82
30Y Low0.7·High2.5
ROE
↓
-11.4%
↑-488% vs avg
5yr avg: 3.0%
30Y Low-11%·High13%
Debt/EBITDA
↑
N/A
—
5yr avg: 4.97
30Y Low1.6·High9.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SFNC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Simmons First National Corporation currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 7.5x P/FCF, 10% below the 5-year average of 8.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.2B | $2.5B | $2.8B | $2.5B | $2.7B | $3.3B | $2.4B | $3.0B | $2.2B | $2.6B | $1.9B |
| Enterprise Value | $3.4B | $2.8B | $3.3B | $3.3B | $3.4B | $3.5B | $929M | $3.9B | $3.2B | $3.7B | $2.1B |
| P/E Ratio → | -7.42 | — | 18.33 | 14.38 | 10.48 | 11.98 | 9.35 | 11.12 | 10.40 | 21.47 | 19.92 |
| P/S Ratio | 5.07 | 4.05 | 1.93 | 1.85 | 2.69 | 3.84 | 2.42 | 3.13 | 2.76 | 5.04 | 4.49 |
| P/B Ratio | 0.86 | 0.74 | 0.79 | 0.72 | 0.84 | 1.00 | 0.80 | 1.02 | 1.00 | 1.26 | 1.67 |
| P/FCF | 7.52 | 6.00 | 7.35 | 4.89 | 9.56 | 14.16 | 12.57 | 16.17 | 11.36 | 32.70 | 26.64 |
| P/OCF | 6.90 | 5.51 | 6.57 | 4.59 | 8.51 | 11.72 | 11.74 | 11.89 | 9.87 | 22.93 | 21.12 |
P/E links to full P/E history page with 30-year chart
SFNC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.47 | 2.25 | 2.44 | 3.38 | 4.14 | 0.95 | 3.99 | 3.95 | 7.03 | 4.86 |
| EV / EBITDA | — | — | 14.99 | 13.18 | 9.69 | 9.25 | 2.52 | 11.45 | 10.86 | 20.85 | 12.99 |
| EV / EBIT | — | — | 19.02 | 16.33 | 11.24 | 10.56 | 2.90 | 12.83 | 12.01 | 23.68 | 14.52 |
| EV / FCF | — | 6.62 | 8.57 | 6.45 | 12.00 | 15.27 | 4.91 | 20.61 | 16.21 | 45.67 | 28.83 |
SFNC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Simmons First National Corporation earns an operating margin of -84.2%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 15.0% to -84.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -11.4% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 5.8% | 5.8% | 49.5% | 55.9% | 84.5% | 94.3% | 80.1% | 76.9% | 79.5% | 87.3% | 90.2% |
| Operating Margin | -84.2% | -84.2% | 11.8% | 15.0% | 30.1% | 39.2% | 32.6% | 31.1% | 32.8% | 29.7% | 33.4% |
| Net Profit Margin | -63.4% | -63.4% | 10.6% | 13.0% | 25.1% | 32.0% | 26.0% | 24.5% | 26.6% | 17.8% | 22.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.4% | -11.4% | 4.4% | 5.2% | 7.9% | 8.7% | 8.5% | 9.1% | 10.0% | 5.7% | 8.7% |
| ROA | -1.5% | -1.5% | 0.6% | 0.6% | 1.0% | 1.2% | 1.2% | 1.3% | 1.4% | 0.8% | 1.2% |
| ROIC | -9.1% | -9.1% | 2.7% | 3.2% | 4.7% | 4.9% | 4.9% | 5.1% | 5.1% | 4.4% | 7.2% |
| ROCE | -4.2% | -4.2% | 3.4% | 4.2% | 6.5% | 6.8% | 6.6% | 6.9% | 7.0% | 6.0% | 10.3% |
SFNC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $261M ($641M total debt minus $380M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.19 | 0.33 | 0.41 | 0.42 | 0.59 | 0.68 | 0.61 | 0.80 | 0.79 | 0.39 |
| Debt / EBITDA | — | — | 5.28 | 5.66 | 3.90 | 5.02 | 5.49 | 5.42 | 6.10 | 9.34 | 2.80 |
| Net Debt / Equity | — | 0.08 | 0.13 | 0.23 | 0.21 | 0.08 | -0.49 | 0.28 | 0.43 | 0.50 | 0.14 |
| Net Debt / EBITDA | — | — | 2.12 | 3.19 | 1.98 | 0.67 | -3.93 | 2.46 | 3.25 | 5.92 | 0.99 |
| Debt / FCF | — | 0.62 | 1.21 | 1.56 | 2.45 | 1.11 | -7.66 | 4.43 | 4.85 | 12.96 | 2.19 |
| Interest Coverage | -1.01 | -1.01 | 0.25 | 0.36 | 2.12 | 4.18 | 2.67 | 1.67 | 2.08 | 3.87 | 6.58 |
SFNC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.86x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.17x to 0.86x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.86 | 0.86 | 0.10 | 0.17 | 0.20 | 0.45 | 0.40 | 0.26 | 0.24 | 0.20 | 0.21 |
| Quick Ratio | 0.86 | 0.86 | 0.10 | 0.17 | 0.20 | 0.45 | 0.40 | 0.26 | 0.24 | 0.20 | 0.21 |
| Cash Ratio | 0.09 | 0.09 | 0.03 | 0.03 | 0.03 | 0.08 | 0.20 | 0.06 | 0.07 | 0.05 | 0.04 |
| Asset Turnover | — | 0.03 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.03 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SFNC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Simmons First National Corporation returns 3.9% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 69.1% | 57.7% | 36.7% | 29.1% | 29.3% | 26.8% | 25.8% | 37.8% | 29.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 5.5% | 7.0% | 9.5% | 8.4% | 10.7% | 9.0% | 9.6% | 4.7% | 5.0% |
| FCF Yield | 13.3% | 16.7% | 13.6% | 20.4% | 10.5% | 7.1% | 8.0% | 6.2% | 8.8% | 3.1% | 3.8% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $135M | $126M | $125M | $127M | $110M | $110M | $114M | $93M | $92M | $62M |
Peer Comparison
Compare SFNC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SFNCYou | $3B | -7.4 | — | 7.5 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 RNST | $4B | 20.1 | 16.1 | 16.5 | 60.8% | 15.7% | 5.5% | 4.2% | 4.3 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 CADE | $8B | 15.2 | 7.0 | 10.1 | 59.3% | 23.3% | 9.8% | 6.7% | 0.0 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FULT | $4B | 11.0 | 10.3 | 15.5 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 UBSI | $6B | 13.6 | 7.8 | 12.9 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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Includes 30+ ratios · 30 years · Updated daily
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SFNC — Frequently Asked Questions
Quick answers to the most common questions about buying SFNC stock.
What is Simmons First National Corporation's P/E ratio?
Simmons First National Corporation's current P/E ratio is -7.4x. The historical average is 15.5x.
What is Simmons First National Corporation's ROE?
Simmons First National Corporation's return on equity (ROE) is -11.4%. The historical average is 8.5%.
Is SFNC stock overvalued?
Based on historical data, Simmons First National Corporation is trading at a P/E of -7.4x. Compare with industry peers and growth rates for a complete picture.
What is Simmons First National Corporation's dividend yield?
Simmons First National Corporation's current dividend yield is 3.90%.
What are Simmons First National Corporation's profit margins?
Simmons First National Corporation has 5.8% gross margin and -84.2% operating margin.