Simmons First National Corporation (SFNC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$23.69+3.09%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SFNC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks SFNC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Not enough signal yet.
Over the trailing year it converted 3.37x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 1 guided quarters · 6.4% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on disciplined organic growth and designing a more efficient, scalable infrastructure to enhance quality and sustainability of growth.
Stated as a priority in 3 of last 3 quarters. Total loans grew from $17.1 billion in 2025-Q2 to $18.1 billion in 2026-Q2, a 6% year-over-year increase, with linked quarter growth of 3% annualized. Management consistently emphasizes disciplined growth and scalable infrastructure, and the loan growth trajectory matches this focus, indicating delivery on this priority.
“We expect to sharpen our focus on disciplined execution of initiatives to enhance quality and sustainability of organic growth outlook.”
“We remain committed to delivering disciplined growth and designing a more efficient and scalable infrastructure.”
“We are now well positioned to deliver stronger organic growth throughout our franchise.”
Drive net interest income growth and maintain disciplined capital allocation to support profitability and shareholder returns.
Stated as a priority in 3 of last 3 quarters. Net interest income grew from $171.8 million in 2025-Q2 to $200.6 million in 2026-Q2, a 17% increase year-over-year, and was $197.2 million in 2026-Q1, up 21% from 2025-Q1. Management's focus on net interest income profitability and capital allocation is reflected in consistent growth, indicating delivery on this priority.
Continue paying consistent cash dividends to shareholders to support shareholder returns.
Stated as a priority in 3 of last 3 quarters. Dividend per share was consistently declared at $0.215 in 2026-Q2 and 2026-Q1, stable from $0.2125 in 2025-Q3. Management has maintained steady dividend payments, delivering on this capital allocation priority.
Execute share repurchase program authorized for up to $175 million to return capital to shareholders.
Stated as a priority in 2 quarters including 2026-Q2 and the February 2026 announcement. The board authorized a $175 million stock repurchase program, but no shares were repurchased in 2026-Q1 or 2026-Q2. Management has maintained the authorization but has not yet executed repurchases, indicating limited delivery so far.
“No shares repurchased under the 2026 Program; remaining authorization approximately $175 million.”
Continue expense control and efficiency initiatives including workforce and real estate optimization to fund investments.
Stated as a priority in 2 of last 2 quarters. Adjusted efficiency ratio improved from 56.16% in 2026-Q1 to 54.26% in 2026-Q2, reflecting expense control. Noninterest expense rose from $140.7M to $147.7M including certain items. Management highlights efficiency initiatives funding investments, showing delivery with some mixed expense trends.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
18 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
“Net interest income for 2Q26 totaled $200.6 million, up 17% year-over-year.”
“Net interest income for 1Q26 totaled $197.2 million, up 21% year-over-year.”
“Net interest income up 9% quarter-over-quarter to $186.7 million.”
“Cash dividend declared of $0.2150 per share.”
“Cash dividend declared of $0.2150 per share.”
“Cash dividend declared of $0.2125 per share.”
“Efficiency initiatives funded investments, including elimination of positions and real estate footprint reductions.”
“Focus on disciplined execution of initiatives to fund investments and enhance growth outlook.”