Simmons First National Corporation shows strong earnings growth of 24% year-over-year and a breakout technical pattern, but its quality score has fallen below minimum acceptable thresholds with a Piotroski F-Score of only 5.6 and zero competitive moat, making it an exit candidate despite attractive growth metrics.
Thesis pillars
- Quality Below Minimum Threshold↓Deteriorating
- Strong Earnings Growth Low Quality Base↑Improving
- Breakout Momentum Already At Target→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 25, 2026· older than 90 days
Simmons First National Corporat (SFNC) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $23.51, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.3% away).
Simmons First National Corporation provides banking through Simmons Bank's approximately 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, with $24.54 billion in total consolidated assets at December 31, 2025. The company generates revenue... Read more
Hold if already holding. Not a fresh buy at $23.51, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.3% away). Chart setup: No clear chart pattern; technical signals are mixed. Mixed signals. Hold existing position. Score 5.7/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 76d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
No fresh coverage since Oct 19, 2026
Recent Developments — Simmons First National Corporat
Latest news
- NEWS DA Davidson Maintains Neutral on Simmons First Ntl, Raises Price Target to $25 — benzinga Oct 19, 2026 positive
- NEWS Simmons First National Price Target Cut to $25.00/Share From $26.00 — fiscal.ai Oct 19, 2026 negative
- NEWS Morgan Stanley Maintains Underweight on Simmons First Ntl, Raises Price Target to $27 — benzinga Oct 19, 2026 positive
- NEWS Keefe, Bruyette & Woods Maintains Outperform on Simmons First Ntl, Lowers Price Target to $25 — benzinga Oct 19, 2026 positive
- NEWS Simmons First Ntl Q3 Adj. EPS $0.54 Beats $0.53 Estimate, Sales $251.167M Miss $253.468M Estimate — benzinga Oct 15, 2026 neutral
Latest item Oct 19, 2026 · Generated 2026-11-04T11:49:38Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicArkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas10-K Item 1A: 'Our concentration of banking activities in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas...makes us more vulnerable to adverse conditions in the particular local markets'
- MEDIUMloan_portfoliocommercial real estate, construction and development, and commercial and industrial loans10-K Item 1A: 'Significant portions of our loan portfolio include commercial real estate, construction and development, and commercial and industrial loans'
Material Events(8-K, last 90d)
- 2026-05-13Item 5.02LOWOn May 13, 2026, Simmons First shareholders approved the Amended and Restated 2023 Stock and Incentive Plan at the Annual Meeting, increasing authorized shares by 3,550,000 to 7,350,000 total and adding a $750,000 annual cap on non-employee director compensation. Routine compensatory arrangement.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $23.51, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.3% away). Chart setup: No clear chart pattern; technical signals are mixed. Mixed signals. Hold existing position. Analyst target $22.68 reached (−3.5%), stop $22.39 (−5.0%), A.R:R -0.5:1. Score 5.7/10, moderate confidence.
Analyst target $22.68 reached (−3.5% from $23.51); no take-profit level is published. Analyst target $22.68 reached (−3.5%), stop $22.39 (−5.0%), A.R:R -0.5:1. Stop-loss: $22.39.
Analyst target reached - limited upside remaining; Near 52-week high (3.3% away); V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9).
Simmons First National Corporat trades at a P/E of 12.4 (forward 10.2). TrendMatrix value score: 7.9/10. Verdict: Hold.
13 analysts rate SFNC, with a consensus score of 4.0/5. 7 analysts publish price targets averaging $26.
What does Simmons First National Corporat do?Simmons First National Corporation provides banking through Simmons Bank's approximately 222 financial centers in...
Simmons First National Corporation provides banking through Simmons Bank's approximately 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, with $24.54 billion in total consolidated assets at December 31, 2025. The company generates revenue primarily from net interest income on $17.49 billion in loans, funded by $20.18 billion in deposits from retail, commercial, and wealth customers across its six-state footprint.