| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 53 | — | 17.8x | Around median | |
Growth | 26 | -56.8% | 7.1% | Bottom tier | |
Quality | 17 | — | — | Bottom tier | |
Safety | 21 | — | — | Bottom tier | |
Capital Return | 43 | 3.67% | 2.12% | Around median | |
Momentum | 81 | 12.3% | 2.9% | Top tier | |
Sentiment | 74 | 5 | 3 | Top tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Simmons First National Corporation is a banking institution focused on attracting deposits, financing loans, and building integrated banking relationships. Its model relies on net interest income generated by deploying deposits and funding sources into loans, alongside wealth management and institutional services fees, with lending activities covering commercial and industrial loans, commercial real estate, and the agricultural sector. In the July 17, 2026 call, management emphasized that the priority is growing checking accounts and core deposits and linking credit to operating accounts, wealth services, and fee-based services.
In fiscal Q1 2026, the company recorded revenue of $346.0 million, net income of $68.5 million, and earnings per share of $0.47. Compared with fiscal Q1 2025, revenue declined by about 2.3% from $354.0 million, while net income increased by about 111% from $32.4 million and earnings per share rose by about 81% from $0.26. Fiscal 2025 recorded revenue of $627.8 million, a net loss of $397.6 million, and negative earnings per share of $2.95, highlighting the strength of the subsequent recovery but also revealing significant volatility in results.
Fiscal Q2 2026 indicators showed operational improvement in funding, lending, and efficiency, although the available call transcript does not provide revenue or net income figures for that quarter. Non-interest-bearing deposits grew at an annual rate of 4%, and the number of checking accounts increased by more than 1% year over year and sequentially, while loan growth since the beginning of the year reached about 7% on an annualized basis. The company also reduced real estate space by 2.5% during the quarter, bringing the cumulative reduction since the initiative began to 8.5% against a target of 15%.
Automated analysis for informational purposes only — not investment advice.
The analyst consensus is Buy, with an average price target of $25 and matching high and low targets of $25. This target is only about 2.8% above the 52-week range high of $24.32, while the range low is $17, placing the target near the upper end of the annual trading record. The recovery in fiscal Q1 2026 and the expected net interest income growth between 9% and 11% support the positive view, but the fiscal 2025 net loss of $397.6 million and the narrow range of analyst targets warrant caution when interpreting the consensus.
Figures in the text are as of 2026-08-31; the live price is shown at the top of the page.
The bank relies on net interest income from loans funded by deposits and other funding sources, in addition to wealth management and institutional services fees. In fiscal Q1 2026, revenue was $346.0 million, net income was $68.5 million, and earnings per share were $0.47. In the July 17, 2026 call, management said it was comfortable achieving the high end of its fiscal 2026 net interest income growth outlook of 9% to 11%. It also expected to exceed the positive operating leverage target of more than 5%.
Loan growth since the beginning of fiscal 2026 reached about 7% on an annualized basis, while quarterly loan production approached its highest level in four years. Non-interest-bearing deposits grew at an annual rate of 4% during fiscal Q2 2026, and the number of checking accounts increased by more than 1% year over year and sequentially. Management reported on July 17, 2026 that inflows from new client balances exceeded outflows. Consumer products launched on March 31, 2026 and campaigns targeting consumers, small businesses, and wealth clients also began supporting this strategy.
Simmons has about $1.8 billion of fixed-rate loans with an average yield below 4% that are due to reprice within twelve months of the July 17, 2026 call. Repricing could raise the portfolio's average yield and support net interest income if deposit competition does not absorb this benefit. Loan yield declined by only one basis point in fiscal Q2 2026, compared with a seven-basis-point decline in the previous period. However, management emphasized that loan pricing competition is intense and that it will not relax return or credit standards to achieve growth.
Nonperforming assets increased slightly in fiscal Q2 2026, and a construction financing relationship for four single-family homes stood out among the largest nonperforming loans. The loan carries a specific allowance of about 11%, and management did not specify a final resolution date on July 17, 2026. Conversely, management noted a decline in classified and criticized loans and a return of delinquencies toward historical levels. It maintained its fiscal 2026 annual net charge-off outlook near 25 basis points, with the first half remaining below that level.
The company reduced its real estate space by 2.5% in fiscal Q2 2026, bringing the cumulative reduction since the initiative began to 8.5%. Management is targeting a 15% reduction, with additional opportunities in corporate space and improvements to front-, middle-, and back-office operations. As of July 17, 2026, $161 million remained under the share repurchase authorization. However, management explained that funding organic growth and investing in talent and technology take precedence over repurchases in its capital priorities.
The analyst consensus is Buy, with an average price target of $25, which is also the highest and lowest target. This target is about 2.8% above the 52-week range high of $24.32, while the range low is $17. The valuation is supported by the improvement in net income to $68.5 million and earnings per share to $0.47 in fiscal Q1 2026. Conversely, the fiscal 2025 loss of $397.6 million and the fact that all targets match at a single figure highlight the need to verify the sustainability of the recovery and the breadth of analyst coverage.
