Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.00 | 17.64 | 12.31 | 10.35 | 8.73 | — | 11.02 | 19.74 | 14.59 | 26.92 | 13.73 | 15.69 | 26.11 | 11.46 | 9.38 | 12.15 | 8.30 | 8.65 | 25.31 | 11.30 | 17.61 |
| — | — | +11.7% | -47.6% | -40.2% | — | -19.7% | +25.8% | -44.1% | +135.0% | +46.5% | +29.2% | +214.5% | +32.5% | -63.0% | +7.5% | -52.9% | -13.4% | +138.1% | -5.5% | +59.8% | |
| P/S Ratio | 3.58 | 3.26 | 3.32 | 3.60 | 2.75 | — | 2.84 | 3.14 | 3.41 | 3.95 | 2.85 | 3.19 | 3.56 | 2.76 | 2.68 | 2.69 | 2.94 | 2.99 | 3.13 | 4.00 | 4.33 |
| — | — | +17.0% | +14.6% | -19.2% | — | -0.3% | -1.5% | -4.1% | +43.3% | +6.2% | +18.5% | +21.1% | -7.9% | -14.2% | -32.8% | -32.2% | -28.6% | -25.1% | -3.7% | +43.1% | |
| P/B Ratio | 0.92 | 0.98 | 0.95 | 0.83 | 0.80 | 0.80 | 0.68 | 0.73 | 0.79 | 0.77 | 0.64 | 0.71 | 0.73 | 0.65 | 0.65 | 0.67 | 0.84 | 0.89 | 0.85 | 1.00 | 1.05 |
| — | +21.6% | +40.5% | +12.3% | +0.9% | +4.5% | +5.6% | +3.3% | +8.9% | +18.0% | -2.4% | +6.5% | -13.4% | -26.4% | -23.2% | -33.3% | -19.5% | -16.2% | -18.8% | -9.0% | +32.4% | |
| P/FCF | 12.81 | — | 6.58 | 20.83 | 6.54 | 3.11 | 9.04 | 28.63 | 9.68 | 3.61 | 7.61 | 12.80 | 1.51 | — | 10.57 | 6.32 | 7.95 | 17.66 | 6.46 | 13.88 | 18.13 |
| — | — | -27.2% | -27.2% | -32.5% | -14.0% | +18.8% | +123.6% | +542.3% | — | -28.1% | +102.7% | -81.0% | — | +63.6% | -54.5% | -56.1% | -72.2% | -21.2% | +26.2% | +318.1% | |
| EV / EBITDA | 11.37 | 18.80 | 11.32 | 12.28 | 7.22 | — | 9.42 | 16.65 | 12.48 | 24.05 | 14.55 | 13.88 | 26.20 | 12.14 | 10.24 | 11.86 | 8.04 | 8.22 | 18.27 | 8.78 | 12.82 |
| — | — | +20.1% | -26.3% | -42.2% | — | -35.2% | +20.0% | -52.4% | +98.1% | +42.1% | +17.0% | +225.8% | +47.7% | -44.0% | +35.2% | -37.3% | +8.5% | +173.8% | +142.3% | +334.6% | |
| EV / EBIT | — | 18.80 | 12.67 | 14.45 | 7.97 | — | 10.94 | 21.34 | 15.08 | 35.04 | 18.19 | 17.44 | 42.31 | 14.71 | 12.03 | 14.40 | 9.08 | 9.26 | 24.92 | 10.06 | 15.37 |
| — | — | +15.8% | -32.3% | -47.2% | — | -39.9% | +22.4% | -64.3% | +138.1% | +51.3% | +21.1% | +365.7% | +58.8% | -51.8% | +43.1% | -40.9% | +9.6% | +231.9% | +141.4% | +336.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.6% | 95.2% | 93.0% | 100.0% | 93.9% | 102.1% | 94.3% | 87.0% | 93.5% | 92.9% | 94.3% | 94.7% | 93.6% | 95.4% | 100.0% | 94.7% | 100.0% | 100.0% | 84.8% | 110.8% | 100.7% |
| — | -6.8% | -1.4% | +14.9% | +0.4% | +9.9% | +0.1% | -8.1% | -0.1% | -2.6% | -5.7% | -0.1% | -6.4% | -4.6% | +17.9% | -14.5% | -0.7% | -9.5% | -20.6% | +11.6% | +4.4% | |
| Operating Margin | -516.4% | 22.7% | 33.5% | 28.7% | 37.8% | 126.3% | 30.2% | 18.5% | 26.3% | 14.9% | 24.1% | 23.5% | 11.1% | 29.1% | 33.4% | 27.1% | 40.6% | 41.8% | 15.6% | 42.8% | 30.3% |
| — | -82.0% | +11.2% | +54.9% | +43.7% | +750.3% | +25.2% | -21.2% | +137.7% | -49.0% | -27.9% | -13.5% | -72.7% | -30.3% | +114.7% | -36.7% | +34.0% | -19.6% | -67.6% | +1.6% | -8.0% | |
| Net Margin | -389.0% | 18.8% | 26.8% | 34.8% | 31.4% | 98.3% | 26.0% | 15.7% | 23.5% | 14.4% | 21.0% | 20.3% | 13.6% | 24.3% | 28.5% | 22.0% | 35.5% | 34.5% | 12.4% | 35.2% | 24.6% |
| — | -80.9% | +3.4% | +121.7% | +33.5% | +581.7% | +23.5% | -22.6% | +72.8% | -40.8% | -26.2% | -7.9% | -61.7% | -29.5% | +130.5% | -37.4% | +44.5% | -18.1% | -68.5% | +1.1% | -9.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -11.4% | 1.4% | 1.9% | 2.0% | 2.3% | -16.3% | 1.5% | 0.9% | 1.4% | 0.7% | 1.2% | 1.1% | 0.7% | 1.4% | 1.7% | 1.4% | 2.6% | 2.5% | 0.9% | 2.1% | 1.5% |
| — | +108.5% | +24.6% | +117.9% | +68.4% | -2402.7% | +30.9% | -19.0% | +92.2% | -50.2% | -32.1% | -17.9% | -72.5% | -43.4% | +97.3% | -34.2% | +68.6% | -5.4% | -64.8% | -8.2% | -14.2% | |
| ROA | -1.5% | 0.2% | 0.3% | 0.3% | 0.3% | -2.2% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.1% | 0.3% | 0.2% |
| — | +108.7% | +31.6% | +130.7% | +79.4% | -2540.7% | +37.5% | -15.1% | +104.9% | -46.8% | -29.1% | -14.2% | -71.5% | -42.7% | +97.7% | -37.4% | +51.7% | -14.0% | -66.9% | -10.3% | -16.8% | |
| ROIC | -9.1% | 0.9% | 1.4% | 1.0% | 1.7% | -12.6% | 1.0% | 0.6% | 0.8% | 0.4% | 0.7% | 0.7% | 0.3% | 0.8% | 1.0% | 0.9% | 1.5% | 1.5% | 0.5% | 1.2% | 0.9% |
| — | +106.9% | +37.2% | +70.1% | +107.5% | -3460.7% | +44.0% | -14.6% | +185.0% | -54.6% | -30.9% | -20.3% | -80.8% | -46.2% | +92.1% | -25.3% | +74.1% | +2.0% | -61.8% | -3.6% | -8.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.53 | 0.37 | 0.22 | 0.19 | 0.21 | 0.29 | 0.37 | 0.33 | 0.41 | 0.51 | 0.38 | 0.41 | 0.54 | 0.55 | 0.46 | 0.42 | 0.47 | 0.50 | 0.65 | 0.59 |
| — | +156.4% | +28.4% | -39.1% | -42.4% | -50.4% | -43.0% | -2.3% | -20.7% | -23.8% | -7.0% | -17.8% | -3.2% | +14.6% | +9.3% | -29.2% | -27.8% | -25.8% | -20.1% | -7.2% | -13.7% | |
| Debt / EBITDA | — | 31.02 | 13.92 | 11.60 | 6.17 | — | 13.97 | 26.58 | 17.59 | 39.38 | 30.21 | 22.94 | 44.82 | 26.12 | 22.91 | 22.46 | 12.91 | 13.63 | 34.68 | 21.09 | 26.78 |
| — | — | -0.4% | -56.4% | -64.9% | — | -53.7% | +15.9% | -60.8% | +50.8% | +31.9% | +2.1% | +247.3% | +91.6% | -33.9% | +6.5% | -51.8% | -22.0% | +87.9% | -3.0% | +1.1% | |
| Current Ratio | 0.86 | 0.19 | 76.98 | 413.00 | 0.86 | 0.15 | 0.15 | 0.15 | 0.10 | 0.16 | 0.16 | 0.17 | 0.17 | 0.18 | 0.19 | 0.19 | 0.20 | 0.21 | 0.24 | 0.42 | 0.45 |
| — | +28.1% | +52971.6% | +276644.3% | +755.8% | -2.6% | -11.5% | -10.9% | -42.2% | -13.8% | -15.4% | -12.6% | -13.7% | -13.3% | -19.2% | -54.8% | -54.9% | -55.6% | -50.1% | -6.8% | +11.6% | |
| Quick Ratio | 0.86 | 0.19 | 76.98 | 413.00 | 0.86 | 0.15 | 0.15 | 0.15 | 0.10 | 0.16 | 0.16 | 0.17 | 0.17 | 0.18 | 0.19 | 0.19 | 0.20 | 0.21 | 0.24 | 0.42 | 0.45 |
| — | +28.1% | +52971.6% | +276644.3% | +755.8% | -2.6% | -11.5% | -10.9% | -42.2% | -13.8% | -15.4% | -12.6% | -13.7% | -13.3% | -19.2% | -54.8% | -54.9% | -55.6% | -50.1% | -6.8% | +11.6% | |
| Interest Coverage | -1.01 | 0.54 | 0.78 | 0.54 | 0.85 | -5.71 | 0.44 | 0.26 | 0.34 | 0.14 | 0.27 | 0.26 | 0.12 | 0.36 | 0.51 | 0.56 | 1.33 | 2.63 | 1.76 | 4.92 | 3.36 |
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Includes 30+ ratios · 48 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 13.0x. The average P/E over the last 4 quarters is 12.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Simmons First National Corporation's current operating margin is -516.4%. Margins have been compressing 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.