Simmons First National Corporation (SFNC) Reports 20% Loan Growth in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: seekingalpha
- Strong Loan Growth: Simmons First National Corporation reported nearly 20% loan growth in Q4 2025, achieved despite elevated paydowns and seasonal softness, indicating robust production capabilities and projecting low to mid-single-digit growth for 2026.
- Stable Net Interest Margin: The net interest margin for Q4 was 3.81%, with a linked quarter increase of 31 basis points, primarily driven by balance sheet restructuring and core business improvements, with expectations for stability around mid-3.80% in 2026, reflecting adaptability in the rate environment.
- Significant Revenue Increase: The company reported a nearly 20% year-over-year revenue increase for Q4, with pre-provision net revenue rising 60% year-over-year, highlighting substantial improvements in revenue and profitability that further solidify its market position.
- Focus on Low-Cost Deposits: Management emphasized that future growth opportunities are centered around organically growing low-cost deposits, demonstrating a strategic commitment to enhancing customer deposits and risk-adjusted returns, aimed at strengthening competitive advantages.
Analyst Views on SFNC
Wall Street analysts forecast SFNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SFNC is 21.75 USD with a low forecast of 21.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
1 Buy
4 Hold
0 Sell
Hold
Current: 19.280
Low
21.00
Averages
21.75
High
22.00
Current: 19.280
Low
21.00
Averages
21.75
High
22.00
About SFNC
Simmons First National Corporation is a financial holding company. The Company, through its subsidiary, Simmons Bank (the Bank), provides banking and other financial products and services to individuals and businesses using a network of over 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. The Bank offers comprehensive financial solutions delivered with a client-centric approach. The Bank offers commercial banking products and services to business and other corporate customers. Simmons Bank extends loans for a broad range of corporate purposes, including (among others) financing commercial real estate, construction of particular properties, commercial and industrial uses, acquisition and equipment financing, and other general corporate needs. It also engages in small business administration (SBA) and agricultural finance lending, and it offers corporate credit card products, as well as corporate deposit products and treasury management services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
