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→Stable
- Strong Earnings Growth Low Quality Base→Stable
- Breakout Momentum Already At Target→Stable
- +1 more pillar — see the Why tab for full reasoning
Simmons First National Corporat (SFNC) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Sell if holding. Engine safety override at $22.84: Quality below floor (2.9 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.2/10. Specifically: Elevated put/call ratio: 2.00; Below-average business quality.
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
Sell if holding. Engine safety override at $22.84: Quality below floor (2.9 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.2/10. Specifically: Elevated put/call ratio: 2.00; Below-average business quality. Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Score 5.2/10, moderate confidence.
Passes 4/8 gates (positive momentum, clean insider activity, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-07-06Recent Developments — Simmons First National Corporat
Latest news
- NEWS Morgan Stanley Maintains Equal-Weight on Simmons First Ntl, Raises Price Target to $24 — benzinga Jun 29, 2026 neutral
- NEWS Simmons First Ntl Q1 2026 Earnings Call: Complete Transcript — benzinga Apr 17, 2026 neutral
- NEWS Simmons First Ntl Q1 Adj. EPS $0.47, Inline, Sales $241.365M Miss $242.979M Estimate — benzinga Apr 16, 2026 negative
- NEWS Earnings Scheduled For April 16, 2026 — benzinga Apr 16, 2026 neutral
Generated 2026-07-06T06:00:35Z.
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.
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Rating Breakdown
2 floor-breakers·1 ceiling hit
Quality below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $22.84: Quality below floor (2.9 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.2/10. Specifically: Elevated put/call ratio: 2.00; Below-average business quality. Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Prior stop was $21.88. Score 5.2/10, moderate confidence.
Take-profit target: $22.93 (+0.4% upside). Prior stop was $21.88. Stop-loss: $21.88.
Target reached (-9.7% upside); Quality below floor (2.9 < 4.0).
Simmons First National Corporat trades at a P/E of N/A (forward 10.4). TrendMatrix value score: 4.6/10. Verdict: Sell.
13 analysts cover SFNC with a consensus score of 3.9/5. Average price target: $24.
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.