Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Simmons First National Corporation's quarterly P/E stands at 8.7x, down 40.2% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 59.1% YoY to 5.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -7.42 | 8.73 | — | 11.02 | 19.74 | 14.59 | 26.92 | 13.73 | 15.69 | 26.11 | 11.46 | 9.38 | 12.15 |
| — | -40.2% | — | -19.7% | +25.8% | -44.1% | +135.0% | +46.5% | +29.2% | +214.5% | +32.5% | -63.0% | +7.5% | |
| P/S Ratio | 5.07 | 1.91 | — | 1.69 | 1.85 | 1.91 | 1.95 | 1.50 | 1.69 | 1.82 | 1.53 | 1.62 | 1.81 |
| — | -0.2% | — | +13.0% | +9.6% | +5.1% | +27.7% | -7.7% | -6.7% | -19.2% | -41.0% | -43.5% | -50.9% | |
| P/B Ratio | 0.86 | 0.80 | 0.80 | 0.68 | 0.73 | 0.79 | 0.77 | 0.64 | 0.71 | 0.73 | 0.65 | 0.65 | 0.67 |
| — | +0.9% | +4.5% | +5.6% | +3.3% | +8.9% | +18.0% | -2.4% | +6.5% | -13.4% | -26.4% | -23.2% | -33.3% | |
| P/FCF | 7.52 | 6.54 | 3.11 | 9.04 | 28.63 | 9.68 | 3.61 | 7.61 | 12.80 | 1.51 | — | 10.57 | 6.32 |
| — | -32.5% | -14.0% | +18.8% | +123.6% | +542.3% | — | -28.1% | +102.7% | -81.0% | — | +63.6% | -54.5% | |
| EV / EBITDA | — | 5.11 | — | 9.42 | 16.65 | 12.48 | 24.05 | 14.55 | 13.88 | 26.20 | 12.14 | 10.24 | 11.86 |
| — | -59.1% | — | -35.2% | +20.0% | -52.4% | +98.1% | +42.1% | +17.0% | +225.8% | +47.7% | -44.0% | +35.2% | |
| EV / EBIT | — | 7.97 | — | 10.94 | 21.34 | 15.08 | 35.04 | 18.19 | 17.44 | 42.31 | 14.71 | 12.03 | 14.40 |
| — | -47.2% | — | -39.9% | +22.4% | -64.3% | +138.1% | +51.3% | +21.1% | +365.7% | +58.8% | -51.8% | +43.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Simmons First National Corporation's operating margin was 26.2% in Q4 2025, down 136.0 pp QoQ and up 11.5 pp YoY. The trailing four-quarter average of 54.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 24.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 5.8% | 65.1% | 131.1% | 56.2% | 51.2% | 52.4% | 45.8% | 49.5% | 50.1% | 47.8% | 52.8% | 60.4% | 63.6% |
| — | +24.1% | +186.2% | +13.5% | +2.3% | +9.5% | -13.2% | -18.0% | -21.3% | -37.5% | -38.8% | -22.4% | -37.6% | |
| Operating Margin | -84.2% | 26.2% | 162.2% | 18.0% | 10.9% | 14.8% | 7.3% | 12.7% | 12.4% | 5.7% | 16.1% | 20.2% | 18.2% |
| — | +77.6% | +2115.3% | +41.9% | -12.3% | +160.7% | -54.5% | -37.3% | -31.9% | -81.8% | -55.4% | +41.3% | -53.8% | |
| Net Margin | -63.4% | 21.8% | 126.2% | 15.5% | 9.2% | 13.2% | 7.1% | 11.0% | 10.7% | 7.0% | 13.5% | 17.2% | 14.8% |
| — | +65.0% | +1676.2% | +40.1% | -13.9% | +89.4% | -47.2% | -35.9% | -27.4% | -74.4% | -54.8% | +51.7% | -54.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.4% | 2.3% | -16.3% | 1.5% | 0.9% | 1.4% | 0.7% | 1.2% | 1.1% | 0.7% | 1.4% | 1.7% | 1.4% |
| — | +68.4% | -2402.7% | +30.9% | -19.0% | +92.2% | -50.2% | -32.1% | -17.9% | -72.5% | -43.4% | +97.3% | -34.2% | |
| ROA | -1.5% | 0.3% | -2.2% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% |
| — | +79.4% | -2540.7% | +37.5% | -15.1% | +104.9% | -46.8% | -29.1% | -14.2% | -71.5% | -42.7% | +97.7% | -37.4% | |
| ROIC | -9.1% | 1.7% | -12.6% | 1.0% | 0.6% | 0.8% | 0.4% | 0.7% | 0.7% | 0.3% | 0.8% | 1.0% | 0.9% |
| — | +107.5% | -3460.7% | +44.0% | -14.6% | +185.0% | -54.6% | -30.9% | -20.3% | -80.8% | -46.2% | +92.1% | -25.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Simmons First National Corporation's Debt/EBITDA ratio is 4.4x — elevated, raising questions about debt serviceability. The current ratio has improved 755.8% YoY to 0.86x, strengthening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.19 | 0.21 | 0.29 | 0.37 | 0.33 | 0.41 | 0.51 | 0.38 | 0.41 | 0.54 | 0.55 | 0.46 |
| — | -42.4% | -50.4% | -43.0% | -2.3% | -20.7% | -23.8% | -7.0% | -17.8% | -3.2% | +14.6% | +9.3% | -29.2% | |
| Debt / EBITDA | — | 4.37 | — | 13.97 | 26.58 | 17.59 | 39.38 | 30.21 | 22.94 | 44.82 | 26.12 | 22.91 | 22.46 |
| — | -75.1% | — | -53.7% | +15.9% | -60.8% | +50.8% | +31.9% | +2.1% | +247.3% | +91.6% | -33.9% | +6.5% | |
| Current Ratio | 0.86 | 0.86 | 0.15 | 0.15 | 0.15 | 0.10 | 0.16 | 0.16 | 0.17 | 0.17 | 0.18 | 0.19 | 0.19 |
| — | +755.8% | -2.6% | -11.5% | -10.9% | -42.2% | -13.8% | -15.4% | -12.6% | -13.7% | -13.3% | -19.2% | -54.8% | |
| Quick Ratio | 0.86 | 0.86 | 0.15 | 0.15 | 0.15 | 0.10 | 0.16 | 0.16 | 0.17 | 0.17 | 0.18 | 0.19 | 0.19 |
| — | +755.8% | -2.6% | -11.5% | -10.9% | -42.2% | -13.8% | -15.4% | -12.6% | -13.7% | -13.3% | -19.2% | -54.8% | |
| Interest Coverage | -1.01 | 0.85 | -5.71 | 0.44 | 0.26 | 0.34 | 0.14 | 0.27 | 0.26 | 0.12 | 0.36 | 0.51 | 0.56 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying SFNC stock.
Simmons First National Corporation's current P/E is -7.4x. The average P/E over the last 3 quarters is 13.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Simmons First National Corporation's current operating margin is -84.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Simmons First National Corporation's business trajectory between earnings reports.