Simmons 1St Natl Corp Financials

SFNC

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 67/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Simmons 1St Natl Corp's revenue grew 8.4% year-over-year to $1.3B, a solid pace of expansion. This earns a growth score of 53/100.

Leverage

100

Simmons 1St Natl Corp carries a low D/E ratio of 0.11, meaning only $0.11 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Simmons 1St Natl Corp converts 29.0% of revenue into free cash flow ($380.4M). This strong cash generation earns a score of 100/100.

Returns

Simmons 1St Natl Corp generates a 4.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is down from 5.1% the prior year.

Piotroski F-Score Neutral

4/9

Simmons 1St Natl Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.79x

For every $1 of reported earnings, Simmons 1St Natl Corp generates $2.79 in operating cash flow ($425.9M OCF vs $152.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Simmons 1St Natl Corp (SFNC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$1.3B

YoY+8.4%

5Y CAGR+10.9%

10Y CAGR+21.6%

Simmons 1St Natl Corp generated $1.3B in revenue in fiscal year 2024. This represents an increase of 8.4% from the prior year.

EBITDA

N/A

Free Cash Flow

$380.4M

YoY-25.1%

5Y CAGR+15.1%

10Y CAGR+102.6%

Simmons 1St Natl Corp generated $380.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 25.1% from the prior year.

Net Income

$152.7M

YoY-12.8%

5Y CAGR-8.5%

10Y CAGR+15.6%

Simmons 1St Natl Corp reported $152.7M in net income in fiscal year 2024. This represents a decrease of 12.8% from the prior year.

EPS (Diluted)

$1.21

YoY-12.3%

5Y CAGR-12.9%

10Y CAGR-5.4%

Simmons 1St Natl Corp earned $1.21 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 12.3% from the prior year.

Cash & Debt

$687.4M

YoY+11.9%

5Y CAGR-7.2%

10Y CAGR+7.4%

Simmons 1St Natl Corp held $687.4M in cash against $386.7M in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.84

YoY+5.0%

5Y CAGR+5.6%

10Y CAGR-0.5%

Simmons 1St Natl Corp paid $0.84 per share in dividends in fiscal year 2024. This represents an increase of 5.0% from the prior year.

Shares Outstanding

126M

YoY+0.4%

5Y CAGR+2.0%

10Y CAGR+21.4%

Simmons 1St Natl Corp had 126M shares outstanding in fiscal year 2024. This represents an increase of 0.4% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.6%

YoY-2.8pp

5Y CAGR-18.8pp

10Y CAGR-7.6pp

Simmons 1St Natl Corp's net profit margin was 11.6% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.8 percentage points from the prior year.

Return on Equity

4.3%

YoY-0.8pp

5Y CAGR-3.6pp

10Y CAGR-2.9pp

Simmons 1St Natl Corp's ROE was 4.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Simmons 1St Natl Corp spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$45.5M

YoY+37.5%

5Y CAGR-7.7%

10Y CAGR+15.0%

Simmons 1St Natl Corp invested $45.5M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 37.5% from the prior year.

SFNC Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.3B+8.4%	$1.2B+40.4%	$861.7M+28.4%	$671.1M-11.7%	$759.7M-3.0%	$783.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$683.6M+22.1%	$560.0M+287.8%	$144.4M+81.6%	$79.5M-33.7%	$120.0M-33.8%	$181.4M
Income Tax	$18.6M-27.1%	$25.5M-49.1%	$50.1M-18.2%	$61.3M-5.5%	$64.9M+1.0%	$64.3M
Net Income	$152.7M-12.8%	$175.1M-31.7%	$256.4M-5.4%	$271.2M+6.4%	$254.9M+7.0%	$238.2M
EPS (Diluted)	$1.21-12.3%	$1.38-33.0%	$2.06-16.3%	$2.46+6.5%	$2.31-4.1%	$2.41

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$313.4M-0.5%	$315.0M+2.3%	$307.8M-5.6%	$326.0M-1.0%	$329.1M+2.0%	$322.6M-0.3%	$323.5M+4.3%	$310.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$126.8M-11.5%	$143.2M-0.8%	$144.4M-10.3%	$161.0M-8.1%	$175.2M+2.6%	$170.7M+1.7%	$167.9M+7.0%	$156.9M
Income Tax	-$160.7M-1911.9%	$8.9M+52.6%	$5.8M+1.4%	$5.7M-4.3%	$6.0M-2.4%	$6.1M+237.1%	-$4.5M-148.4%	$9.2M
Net Income	-$562.8M-1127.5%	$54.8M+69.1%	$32.4M-33.0%	$48.3M+18.5%	$40.8M+4.9%	$38.9M+62.6%	$23.9M-49.4%	$47.2M
EPS (Diluted)	$-4.00-1030.2%	$0.43+65.4%	$0.26-31.6%	$0.38+18.8%	$0.32+3.2%	$0.31+63.2%	$0.19-48.6%	$0.37

SFNC Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$26.9B-1.7%	$27.3B-0.4%	$27.5B+11.1%	$24.7B+10.6%	$22.4B+5.2%	$21.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$687.4M+11.9%	$614.1M-10.0%	$682.1M-58.7%	$1.7B-52.5%	$3.5B+248.4%	$996.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.3B0.0%	$1.3B+0.1%	$1.3B+15.1%	$1.1B+6.6%	$1.1B+1.9%	$1.1B
Total Liabilities	$23.3B-2.4%	$23.9B-1.1%	$24.2B+12.6%	$21.5B+10.8%	$19.4B+6.1%	$18.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$386.7M-0.5%	$388.5M-0.5%	$390.3M-77.3%	$1.7B-0.2%	$1.7B+295.8%	$435.9M
Total Equity	$3.5B+3.0%	$3.4B+4.8%	$3.3B+0.6%	$3.2B+9.1%	$3.0B-0.4%	$3.0B
Retained Earnings	$1.4B+3.6%	$1.3B+5.9%	$1.3B+14.8%	$1.1B+21.3%	$901.0M+6.1%	$848.8M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$24.2B-9.3%	$26.7B-0.4%	$26.8B-0.3%	$26.9B-1.8%	$27.4B0.0%	$27.4B+0.1%	$27.3B-0.8%	$27.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$643.6M-0.1%	$644.5M+1.6%	$634.3M-7.7%	$687.4M+19.7%	$574.3M-4.8%	$603.3M-1.8%	$614.1M+1.4%	$605.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.3B0.0%	$1.3B0.0%	$1.3B0.0%	$1.3B0.0%	$1.3B0.0%	$1.3B0.0%	$1.3B0.0%	$1.3B
Total Liabilities	$20.9B-9.9%	$23.1B-0.5%	$23.3B-0.4%	$23.3B-2.4%	$23.9B-0.1%	$23.9B+0.1%	$23.9B-1.5%	$24.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$670.1M+73.7%	$385.7M-0.1%	$386.2M-0.1%	$386.7M-0.2%	$387.6M-0.1%	$388.1M-0.1%	$388.5M-0.1%	$389.0M
Total Equity	$3.4B-5.5%	$3.5B+0.5%	$3.5B+0.1%	$3.5B+2.0%	$3.5B+0.6%	$3.4B+0.4%	$3.4B+4.3%	$3.3B
Retained Earnings	$817.0M-42.1%	$1.4B+2.0%	$1.4B+0.4%	$1.4B+1.5%	$1.4B+1.1%	$1.3B+0.9%	$1.3B-0.1%	$1.3B

SFNC Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$425.9M-21.3%	$541.0M+67.9%	$322.2M+16.0%	$277.8M+37.1%	$202.5M-20.9%	$256.1M
Capital Expenditures	$45.5M+37.5%	$33.1M-6.2%	$35.3M-26.3%	$47.9M+260.6%	$13.3M-80.4%	$67.8M
Free Cash Flow	$380.4M-25.1%	$507.9M+77.0%	$286.9M+24.8%	$229.9M+21.5%	$189.3M+0.5%	$188.2M
Investing Cash Flow	$369.5M+301.3%	-$183.6M+80.6%	-$946.2M+62.7%	-$2.5B-313.3%	$1.2B+96.8%	$604.5M
Financing Cash Flow	-$722.1M-69.8%	-$425.4M-23.5%	-$344.5M-178.6%	$438.5M-59.5%	$1.1B+255.3%	-$697.4M
Dividends Paid	$105.4M+4.4%	$101.0M+7.3%	$94.1M+19.3%	$78.8M+5.7%	$74.6M+16.7%	$63.9M
Share Buybacks	$0-100.0%	$40.3M-63.7%	$111.1M-16.1%	$132.5M+16.9%	$113.3M+1018.9%	$10.1M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$223.4M+187.7%	$77.6M+136.7%	$32.8M-60.4%	$82.9M-3.7%	$86.1M+49.4%	$57.6M-86.3%	$420.5M+1192.4%	-$38.5M
Capital Expenditures	$6.7M-41.2%	$11.3M+11.7%	$10.2M-4.0%	$10.6M-21.0%	$13.4M+35.9%	$9.8M+50.8%	$6.5M-16.7%	$7.8M
Free Cash Flow	$216.7M+226.9%	$66.3M+192.8%	$22.6M-68.7%	$72.3M-0.5%	$72.7M+52.2%	$47.7M-88.5%	$414.0M+993.5%	-$46.3M
Investing Cash Flow	$1.8B+1937.6%	$88.7M+1084.6%	-$9.0M-102.3%	$390.9M+974.9%	-$44.7M-12.5%	-$39.7M-116.8%	-$18.3M-107.2%	$254.6M
Financing Cash Flow	-$2.0B-1200.9%	-$156.2M-103.1%	-$76.9M+80.3%	-$389.8M-454.1%	-$70.4M-145.3%	-$28.7M+92.7%	-$393.8M-10.5%	-$356.3M
Dividends Paid	$30.8M+14.9%	$26.8M+0.1%	$26.8M+1.4%	$26.4M+0.1%	$26.4M+0.1%	$26.3M+5.2%	$25.0M-0.2%	$25.1M
Share Buybacks	N/A	N/A	N/A	$0	N/A	N/A	$323K-98.4%	$20.0M

SFNC Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.6%-2.8pp	14.5%-15.3pp	29.8%-10.7pp	40.4%+6.9pp	33.6%+3.1pp	30.4%
Return on Equity	4.3%-0.8pp	5.1%-2.7pp	7.8%-0.5pp	8.3%-0.2pp	8.6%+0.6pp	8.0%
Return on Assets	0.6%-0.1pp	0.6%-0.3pp	0.9%-0.2pp	1.1%-0.0pp	1.1%+0.0pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.110.0	0.110.0	0.12-0.4	0.53-0.0	0.58+0.4	0.15
FCF Margin	29.0%-13.0pp	42.0%+8.7pp	33.3%-1.0pp	34.3%+9.4pp	24.9%+0.9pp	24.0%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-179.6%-196.9pp	17.4%+6.9pp	10.5%-4.3pp	14.8%+2.4pp	12.4%+0.3pp	12.0%+4.7pp	7.4%-7.8pp	15.2%
Return on Equity	N/A	1.5%+0.6pp	0.9%-0.5pp	1.4%+0.2pp	1.2%+0.1pp	1.1%+0.4pp	0.7%-0.7pp	1.4%
Return on Assets	-2.3%-2.5pp	0.2%+0.1pp	0.1%-0.1pp	0.2%+0.0pp	0.1%+0.0pp	0.1%+0.1pp	0.1%-0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.20+0.1	0.110.0	0.110.0	0.110.0	0.110.0	0.110.0	0.110.0	0.12
FCF Margin	69.2%+48.1pp	21.1%+13.7pp	7.4%-14.8pp	22.2%+0.1pp	22.1%+7.3pp	14.8%-113.2pp	128.0%+142.9pp	-14.9%

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Frequently Asked Questions

What is Simmons 1St Natl Corp's annual revenue?

Simmons 1St Natl Corp (SFNC) reported $1.3B in total revenue for fiscal year 2024. This represents a 8.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Simmons 1St Natl Corp's revenue growing?

Simmons 1St Natl Corp (SFNC) revenue grew by 8.4% year-over-year, from $1.2B to $1.3B in fiscal year 2024.

Is Simmons 1St Natl Corp profitable?

Yes, Simmons 1St Natl Corp (SFNC) reported a net income of $152.7M in fiscal year 2024, with a net profit margin of 11.6%.

What is Simmons 1St Natl Corp's earnings per share (EPS)?

Simmons 1St Natl Corp (SFNC) reported diluted earnings per share of $1.21 for fiscal year 2024. This represents a -12.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Simmons 1St Natl Corp have?

As of fiscal year 2024, Simmons 1St Natl Corp (SFNC) had $687.4M in cash and equivalents against $386.7M in long-term debt.

What is Simmons 1St Natl Corp's net profit margin?

Simmons 1St Natl Corp (SFNC) had a net profit margin of 11.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Simmons 1St Natl Corp pay dividends?

Yes, Simmons 1St Natl Corp (SFNC) paid $0.84 per share in dividends during fiscal year 2024.

What is Simmons 1St Natl Corp's return on equity (ROE)?

Simmons 1St Natl Corp (SFNC) has a return on equity of 4.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Simmons 1St Natl Corp's free cash flow?

Simmons 1St Natl Corp (SFNC) generated $380.4M in free cash flow during fiscal year 2024. This represents a -25.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Simmons 1St Natl Corp's operating cash flow?

Simmons 1St Natl Corp (SFNC) generated $425.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Simmons 1St Natl Corp's total assets?

Simmons 1St Natl Corp (SFNC) had $26.9B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Simmons 1St Natl Corp's capital expenditures?

Simmons 1St Natl Corp (SFNC) invested $45.5M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Simmons 1St Natl Corp have outstanding?

Simmons 1St Natl Corp (SFNC) had 126M shares outstanding as of fiscal year 2024.

What is Simmons 1St Natl Corp's debt-to-equity ratio?

Simmons 1St Natl Corp (SFNC) had a debt-to-equity ratio of 0.11 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Simmons 1St Natl Corp's return on assets (ROA)?

Simmons 1St Natl Corp (SFNC) had a return on assets of 0.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Simmons 1St Natl Corp's Piotroski F-Score?

Simmons 1St Natl Corp (SFNC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Simmons 1St Natl Corp's earnings high quality?

Simmons 1St Natl Corp (SFNC) has an earnings quality ratio of 2.79x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Simmons 1St Natl Corp?

Simmons 1St Natl Corp (SFNC) scores 67 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.