Simmons 1St Natl Corp Financials
This page shows Simmons 1St Natl Corp (SFNC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
Balance-sheet deleveraging kept cash generation intact even as reported earnings swung to a -$380M FY2025 loss.
Cash generation and accounting profit split apart over the last three years: net income moved from$175M in FY2023 to-$380M in FY2025. Yet operating cash flow stayed above$425M and free cash flow above$380M , so the loss did not coincide with a similar funding squeeze and earnings became a weaker guide to underlying cash output.
The balance sheet has been contracting without adding strain: from FY2023 to FY2025, total assets fell from
Physical reinvestment needs are low: FY2025 capital spending was only
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Simmons 1St Natl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Simmons 1St Natl Corp's revenue declined 5.2% year-over-year, from $1.3B to $1.2B. This contraction results in a growth score of 36/100.
Simmons 1St Natl Corp carries a low D/E ratio of 0.10, meaning only $0.10 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.
Simmons 1St Natl Corp converts 33.1% of revenue into free cash flow ($411.4M). This strong cash generation earns a score of 100/100.
Simmons 1St Natl Corp generates a -11.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 4/100. This is down from 4.3% the prior year.
Simmons 1St Natl Corp passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Simmons 1St Natl Corp generates $-1.18 in operating cash flow ($449.5M OCF vs -$379.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Simmons 1St Natl Corp generated $1.2B in revenue in fiscal year 2025. This represents a decrease of 5.2% from the prior year.
Simmons 1St Natl Corp reported -$379.6M in net income in fiscal year 2025. This represents a decrease of 348.6% from the prior year.
Simmons 1St Natl Corp earned $-2.95 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 343.8% from the prior year.
Cash & Balance Sheet
Simmons 1St Natl Corp generated $411.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 8.1% from the prior year.
Simmons 1St Natl Corp held $711.9M in cash against $335.0M in long-term debt as of fiscal year 2025.
Simmons 1St Natl Corp paid $0.85 per share in dividends in fiscal year 2025. This represents an increase of 1.2% from the prior year.
Simmons 1St Natl Corp had 145M shares outstanding in fiscal year 2025. This represents an increase of 15.2% from the prior year.
Margins & Returns
Simmons 1St Natl Corp's net profit margin was -30.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 42.2 percentage points from the prior year.
Simmons 1St Natl Corp's ROE was -11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 15.4 percentage points from the prior year.
Capital Allocation
Simmons 1St Natl Corp spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Simmons 1St Natl Corp invested $38.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 16.2% from the prior year.
SFNC Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $301.8M-1.9% | $307.5M-1.9% | $313.4M-0.5% | $315.0M+2.3% | $307.8M-5.6% | $326.0M-2.5% | $334.3M+1.6% | $329.1M |
| 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 | $75.9M+4.1% | $72.9M-4.4% | $76.2M+3.2% | $73.9M-1.3% | $74.8M+4.5% | $71.6M+3.5% | $69.2M-2.2% | $70.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $104.6M-5.1% | $110.2M-13.0% | $126.8M-11.5% | $143.2M-0.8% | $144.4M-10.3% | $161.0M-8.8% | $176.6M+0.8% | $175.2M |
| Income Tax | $17.5M+9.9% | $15.9M+109.9% | -$160.7M-1911.9% | $8.9M+52.6% | $5.8M+1.4% | $5.7M+653.2% | $761K-87.3% | $6.0M |
| Net Income | $68.5M-28.6% | $96.0M+117.1% | -$562.8M-1127.5% | $54.8M+69.1% | $32.4M-33.0% | $48.3M+95.3% | $24.7M-39.3% | $40.8M |
| EPS (Diluted) | $0.47 | N/A | $-4.00-1030.2% | $0.43+65.4% | $0.26 | N/A | $0.20-37.5% | $0.32 |
SFNC Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $24.7B+0.6% | $24.5B+1.4% | $24.2B-9.3% | $26.7B-0.4% | $26.8B-0.3% | $26.9B-1.4% | $27.3B-0.4% | $27.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $548.5M-23.0% | $711.9M+10.6% | $643.6M-0.1% | $644.5M+1.6% | $634.3M-7.7% | $687.4M+13.9% | $603.4M+5.1% | $574.3M |
| 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 | $21.3B+0.6% | $21.1B+1.3% | $20.9B-9.9% | $23.1B-0.5% | $23.3B-0.4% | $23.3B-1.7% | $23.7B-0.7% | $23.9B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $332.5M-0.7% | $335.0M-50.0% | $670.1M+73.7% | $385.7M-0.1% | $386.2M-0.1% | $386.7M-0.1% | $387.1M-0.1% | $387.6M |
| Total Equity | $3.4B+0.5% | $3.4B+1.9% | $3.4B-5.5% | $3.5B+0.5% | $3.5B+0.1% | $3.5B0.0% | $3.5B+2.0% | $3.5B |
| Retained Earnings | $901.7M+4.3% | $864.3M+5.8% | $817.0M-42.1% | $1.4B+2.0% | $1.4B+0.4% | $1.4B+1.6% | $1.4B-0.1% | $1.4B |
SFNC Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $40.3M-65.2% | $115.7M-48.2% | $223.4M+187.7% | $77.6M+136.7% | $32.8M-60.4% | $82.9M-58.4% | $199.4M+131.7% | $86.1M |
| Capital Expenditures | $6.3M-37.2% | $10.0M+49.7% | $6.7M-41.2% | $11.3M+11.7% | $10.2M-4.0% | $10.6M-9.6% | $11.7M-12.6% | $13.4M |
| Free Cash Flow | $34.0M-67.8% | $105.7M-51.2% | $216.7M+226.9% | $66.3M+192.8% | $22.6M-68.7% | $72.3M-61.5% | $187.7M+158.3% | $72.7M |
| Investing Cash Flow | -$321.9M-2.3% | -$314.6M-117.4% | $1.8B+1937.6% | $88.7M+1084.6% | -$9.0M-102.3% | $390.9M+520.8% | $63.0M+240.9% | -$44.7M |
| Financing Cash Flow | $118.2M-55.8% | $267.2M+113.2% | -$2.0B-1200.9% | -$156.2M-103.1% | -$76.9M+80.3% | -$389.8M-67.1% | -$233.3M-231.6% | -$70.4M |
| Dividends Paid | $31.2M+1.4% | $30.8M0.0% | $30.8M+14.9% | $26.8M+0.1% | $26.8M+1.4% | $26.4M+0.1% | $26.4M+0.1% | $26.4M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | $0 | $0 | N/A |
SFNC Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 22.7%-8.5pp | 31.2%+210.8pp | -179.6%-196.9pp | 17.4%+6.9pp | 10.5%-4.3pp | 14.8%+7.4pp | 7.4%-5.0pp | 12.4% |
| Return on Equity | 2.0%-0.8pp | 2.8%+19.6pp | -16.8%-18.3pp | 1.5%+0.6pp | 0.9%-0.5pp | 1.4%+0.7pp | 0.7%-0.5pp | 1.2% |
| Return on Assets | 0.3%-0.1pp | 0.4%+2.7pp | -2.3%-2.5pp | 0.2%+0.1pp | 0.1%-0.1pp | 0.2%+0.1pp | 0.1%-0.1pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.100.0 | 0.10-0.1 | 0.20+0.1 | 0.110.0 | 0.110.0 | 0.110.0 | 0.110.0 | 0.11 |
| FCF Margin | 11.3%-23.1pp | 34.4%-34.8pp | 69.2%+48.1pp | 21.1%+13.7pp | 7.4%-14.8pp | 22.2%-34.0pp | 56.1%+34.1pp | 22.1% |
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Frequently Asked Questions
What is Simmons 1St Natl Corp's annual revenue?
Simmons 1St Natl Corp (SFNC) reported $1.2B in total revenue for fiscal year 2025. This represents a -5.2% 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 declined by 5.2% year-over-year, from $1.3B to $1.2B in fiscal year 2025.
Is Simmons 1St Natl Corp profitable?
No, Simmons 1St Natl Corp (SFNC) reported a net income of -$379.6M in fiscal year 2025, with a net profit margin of -30.5%.
How much debt does Simmons 1St Natl Corp have?
As of fiscal year 2025, Simmons 1St Natl Corp (SFNC) had $711.9M in cash and equivalents against $335.0M 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 -30.5% in fiscal year 2025, 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 $0.85 per share in dividends during fiscal year 2025.
What is Simmons 1St Natl Corp's return on equity (ROE)?
Simmons 1St Natl Corp (SFNC) has a return on equity of -11.1% for fiscal year 2025, 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 $411.4M in free cash flow during fiscal year 2025. This represents a 8.1% 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 $449.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Simmons 1St Natl Corp's total assets?
Simmons 1St Natl Corp (SFNC) had $24.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Simmons 1St Natl Corp's capital expenditures?
Simmons 1St Natl Corp (SFNC) invested $38.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Simmons 1St Natl Corp's debt-to-equity ratio?
Simmons 1St Natl Corp (SFNC) had a debt-to-equity ratio of 0.10 as of fiscal year 2025, 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 -1.6% for fiscal year 2025, 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 to 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 -1.18x, considered mixed 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 40 out of 100 on our Financial Profile, indicating moderate 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.