Simmons First National Q4 EPS Beats Expectations at $0.54
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Should l Buy SFNC?
Source: seekingalpha
- Earnings Beat: Simmons First National reported a Q4 non-GAAP EPS of $0.54, exceeding expectations by $0.06, indicating a sustained improvement in the company's profitability.
- Significant Revenue Growth: The bank's Q4 revenue reached $249 million, a 19.4% year-over-year increase, surpassing expectations by $10.38 million and reflecting strong business momentum.
- Market Reaction Underwhelming: Despite the positive earnings report, Seeking Alpha's Quant Rating on Simmons First National indicates a cautious market sentiment regarding its future performance, which may affect investor confidence.
- Historical Data Insight: The historical earnings data and dividend scorecard for Simmons First National suggest that while current performance is strong, investors should remain vigilant about the bank's long-term financial health and competitive positioning.
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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: 21.410
Low
21.00
Averages
21.75
High
22.00
Current: 21.410
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.
Simmons Bank Announces Executive Leadership Appointments to Drive Growth
- Executive Appointments: Simmons Bank has announced multiple executive leadership appointments aimed at strengthening its strategic focus on organic growth, talent acquisition, and innovation, reflecting the company's proactive stance towards future development.
- Private Banking Team: The forthcoming addition of an 8-member Private Banking and Wealth Management team, led by industry veteran Rick Sartori, is expected to enhance the bank's competitiveness in the high-net-worth client market.
- Talent Strategy: These executive changes not only highlight Simmons Bank's commitment to talent but also signify its determination to continue innovating in the financial services sector, aiming to drive business growth through attracting top talent.
- Market Positioning: By reinforcing its leadership team, Simmons Bank aims to solidify its position in a competitive market and provide superior services to clients, thereby achieving long-term sustainable growth.
See More
Simmons Bank Appoints New Executive Leadership Team
- Executive Appointments: Simmons Bank has appointed Brian Jackson as President of Consumer and Wealth Management and Jonathan Schneider as President of Commercial Banking, aiming to drive organic growth and innovation by attracting top talent, thereby enhancing client service and shareholder value.
- Wealth Management Team Expansion: The addition of an 8-member Private Banking and Wealth Management team led by industry veteran Rick Sartori focuses on Midwestern markets including St. Louis, Kansas City, Oklahoma City, and Wichita, which is expected to significantly bolster the bank's wealth management capabilities.
- Strategic Objectives: CEO Jay Brogdon stated that expanding the wealth management business is a key objective of the strategic plan, anticipated to drive organic growth, increase fee income, and deepen banking relationships, thereby enhancing overall market competitiveness.
- Rich Industry Experience: Both Jackson and Schneider bring extensive industry experience, with Jackson previously serving as Executive Vice President at Regions Bank overseeing consumer products and pricing, while Schneider led specialty banking at Veritex Bank, providing strong support for Simmons Bank's transformation and growth efforts.
See More
Simmons First National Corporation (SFNC) Reports 20% Loan Growth in Q4 2025
- 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.
See More
Simmons First National Q4 EPS Beats Expectations at $0.54
- Earnings Beat: Simmons First National reported a Q4 non-GAAP EPS of $0.54, exceeding expectations by $0.06, indicating a sustained improvement in the company's profitability.
- Significant Revenue Growth: The bank's Q4 revenue reached $249 million, a 19.4% year-over-year increase, surpassing expectations by $10.38 million and reflecting strong business momentum.
- Market Reaction Underwhelming: Despite the positive earnings report, Seeking Alpha's Quant Rating on Simmons First National indicates a cautious market sentiment regarding its future performance, which may affect investor confidence.
- Historical Data Insight: The historical earnings data and dividend scorecard for Simmons First National suggest that while current performance is strong, investors should remain vigilant about the bank's long-term financial health and competitive positioning.
See More
Simmons First National Corporation Reports $78.1M Net Income and $0.54 EPS for Q4 2025
- Net Income Surge: Simmons First National Corporation reported a net income of $78.1 million for Q4 2025, a 61.7% increase from $48.3 million in Q4 2024, indicating strong performance amid market recovery, which is likely to boost investor confidence.
- Earnings Per Share Recovery: Diluted earnings per share reached $0.54, a significant rebound from a loss of $4.00 in Q3 2025, marking a notable recovery in profitability that may attract more investor interest.
- Improved Asset Quality: The nonperforming loan ratio decreased by 26 basis points to 0.64%, reflecting effective credit management measures, which is expected to enhance market trust in the company's risk management capabilities.
- Loan and Deposit Growth: Total loans and deposits grew at annualized rates of 7% and 8%, respectively, demonstrating the company's expansion in customer base and market share, further solidifying its competitive position in the financial services industry.
See More
Simmons First National Corporation Reports $78.1M Net Income and $0.54 EPS for Q4 2025
- Net Income Surge: Simmons First National Corporation reported a net income of $78.1 million for Q4 2025, representing a 61.5% increase from $48.3 million in Q4 2024, indicating strong performance amid market recovery and boosting investor confidence.
- Earnings Per Share Rebound: The diluted EPS for the quarter was $0.54, a significant recovery from a loss of $4.00 in Q3 2025, marking a notable improvement in profitability that is expected to positively impact the stock price.
- Asset Quality Improvement: The nonperforming loan ratio decreased to 0.64%, down 26 basis points from 0.90% in Q3 2025, reflecting effective credit management measures that enhance market trust in the company's risk management capabilities.
- Loan and Deposit Growth: Total loans and deposits grew at annualized rates of 7% and 8%, respectively, demonstrating the company's success in attracting customer deposits and expanding its lending business, further solidifying its market position.
See More
Simmons Bank Announces Executive Leadership Appointments to Drive Growth
- Executive Appointments: Simmons Bank has announced multiple executive leadership appointments aimed at strengthening its strategic focus on organic growth, talent acquisition, and innovation, reflecting the company's proactive stance towards future development.
- Private Banking Team: The forthcoming addition of an 8-member Private Banking and Wealth Management team, led by industry veteran Rick Sartori, is expected to enhance the bank's competitiveness in the high-net-worth client market.
- Talent Strategy: These executive changes not only highlight Simmons Bank's commitment to talent but also signify its determination to continue innovating in the financial services sector, aiming to drive business growth through attracting top talent.
- Market Positioning: By reinforcing its leadership team, Simmons Bank aims to solidify its position in a competitive market and provide superior services to clients, thereby achieving long-term sustainable growth.
See More
Simmons Bank Appoints New Executive Leadership Team
- Executive Appointments: Simmons Bank has appointed Brian Jackson as President of Consumer and Wealth Management and Jonathan Schneider as President of Commercial Banking, aiming to drive organic growth and innovation by attracting top talent, thereby enhancing client service and shareholder value.
- Wealth Management Team Expansion: The addition of an 8-member Private Banking and Wealth Management team led by industry veteran Rick Sartori focuses on Midwestern markets including St. Louis, Kansas City, Oklahoma City, and Wichita, which is expected to significantly bolster the bank's wealth management capabilities.
- Strategic Objectives: CEO Jay Brogdon stated that expanding the wealth management business is a key objective of the strategic plan, anticipated to drive organic growth, increase fee income, and deepen banking relationships, thereby enhancing overall market competitiveness.
- Rich Industry Experience: Both Jackson and Schneider bring extensive industry experience, with Jackson previously serving as Executive Vice President at Regions Bank overseeing consumer products and pricing, while Schneider led specialty banking at Veritex Bank, providing strong support for Simmons Bank's transformation and growth efforts.
See More
Simmons First National Corporation (SFNC) Reports 20% Loan Growth in Q4 2025
- 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.
See More
Simmons First National Q4 EPS Beats Expectations at $0.54
- Earnings Beat: Simmons First National reported a Q4 non-GAAP EPS of $0.54, exceeding expectations by $0.06, indicating a sustained improvement in the company's profitability.
- Significant Revenue Growth: The bank's Q4 revenue reached $249 million, a 19.4% year-over-year increase, surpassing expectations by $10.38 million and reflecting strong business momentum.
- Market Reaction Underwhelming: Despite the positive earnings report, Seeking Alpha's Quant Rating on Simmons First National indicates a cautious market sentiment regarding its future performance, which may affect investor confidence.
- Historical Data Insight: The historical earnings data and dividend scorecard for Simmons First National suggest that while current performance is strong, investors should remain vigilant about the bank's long-term financial health and competitive positioning.
See More
Simmons First National Corporation Reports $78.1M Net Income and $0.54 EPS for Q4 2025
- Net Income Surge: Simmons First National Corporation reported a net income of $78.1 million for Q4 2025, a 61.7% increase from $48.3 million in Q4 2024, indicating strong performance amid market recovery, which is likely to boost investor confidence.
- Earnings Per Share Recovery: Diluted earnings per share reached $0.54, a significant rebound from a loss of $4.00 in Q3 2025, marking a notable recovery in profitability that may attract more investor interest.
- Improved Asset Quality: The nonperforming loan ratio decreased by 26 basis points to 0.64%, reflecting effective credit management measures, which is expected to enhance market trust in the company's risk management capabilities.
- Loan and Deposit Growth: Total loans and deposits grew at annualized rates of 7% and 8%, respectively, demonstrating the company's expansion in customer base and market share, further solidifying its competitive position in the financial services industry.
See More
Simmons First National Corporation Reports $78.1M Net Income and $0.54 EPS for Q4 2025
- Net Income Surge: Simmons First National Corporation reported a net income of $78.1 million for Q4 2025, representing a 61.5% increase from $48.3 million in Q4 2024, indicating strong performance amid market recovery and boosting investor confidence.
- Earnings Per Share Rebound: The diluted EPS for the quarter was $0.54, a significant recovery from a loss of $4.00 in Q3 2025, marking a notable improvement in profitability that is expected to positively impact the stock price.
- Asset Quality Improvement: The nonperforming loan ratio decreased to 0.64%, down 26 basis points from 0.90% in Q3 2025, reflecting effective credit management measures that enhance market trust in the company's risk management capabilities.
- Loan and Deposit Growth: Total loans and deposits grew at annualized rates of 7% and 8%, respectively, demonstrating the company's success in attracting customer deposits and expanding its lending business, further solidifying its market position.
See More
