Simmons First National Corp. (SFNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Old National Bancorp

UMB Financial Corp.

Associated Banc-Corp

Axos Financial, Inc.

Texas Capital Bancshares, Inc.

Valley National Bancorp

Cadence Bank

First Financial Bankshares, Inc.

F.N.B. Corp. (Pennsylvania)

Community Bank System, Inc.

Simmons First National Corp.

Why is Simmons First National Corp. ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 12.73%

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -208.99%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Flat results in Dec 25

NET PROFIT(HY) At USD -484.71 MM has Grown at -763.46%
OPERATING CASH FLOW(Y) Lowest at USD 346.54 MM
NET SALES(Q) Lowest at USD 307.53 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -8.50%, its profits have fallen by -360.4%
At the current price, the company has a high dividend yield of 3.9

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 14.90% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.50% returns

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Simmons First National Corp. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Simmons First National Corp.

-8.5%

0.51

29.27%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.36%

EBIT Growth (5y)

-218.21%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

82.68%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.79

EV to EBIT

-4.67

EV to EBITDA

-4.97

EV to Capital Employed

0.79

EV to Sales

2.11

PEG Ratio

Dividend Yield

3.95%

ROCE (Latest)

-16.86%

ROE (Latest)

-11.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 197.3 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 86.66%

OPERATING PROFIT(Q)

Highest at USD 94.03 MM

OPERATING PROFIT MARGIN(Q)

Highest at 30.57 %

PRE-TAX PROFIT(Q)

Highest at USD 94.03 MM

NET PROFIT(Q)

Highest at USD 78.08 MM

EPS(Q)

Highest at USD 0.54

-12What is not working for the Company

NET PROFIT(HY)

At USD -484.71 MM has Grown at -763.46%

OPERATING CASH FLOW(Y)

Lowest at USD 346.54 MM

NET SALES(Q)

Lowest at USD 307.53 MM

Here's what is working for Simmons First National Corp.

Non Performing Loans (%)

Lowest at 0.64%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 197.3 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 94.03 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 30.57 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 94.03 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 94.03 MM has Grown at 73.96%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 78.08 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 78.08 MM has Grown at 61.59%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.54

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 86.66%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Simmons First National Corp.

Operating Cash Flow

Lowest at USD 346.54 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 307.53 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)