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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.80
SFNC's Cash to Debt is ranked higher than
81% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. SFNC: 3.80 )
SFNC' s 10-Year Cash to Debt Range
Min: 0.6   Max: 26.65
Current: 3.8

0.6
26.65
Equity to Asset 0.09
SFNC's Equity to Asset is ranked higher than
68% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SFNC: 0.09 )
SFNC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.09

0.08
0.13
Interest Coverage 2.65
SFNC's Interest Coverage is ranked higher than
80% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SFNC: 2.65 )
SFNC' s 10-Year Interest Coverage Range
Min: 0.33   Max: 2.65
Current: 2.65

0.33
2.65
F-Score: 5
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 18.98
SFNC's Operating margin (%) is ranked higher than
59% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. SFNC: 18.98 )
SFNC' s 10-Year Operating margin (%) Range
Min: 18.98   Max: 30.27
Current: 18.98

18.98
30.27
Net-margin (%) 13.55
SFNC's Net-margin (%) is ranked higher than
60% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. SFNC: 13.55 )
SFNC' s 10-Year Net-margin (%) Range
Min: 13.55   Max: 20.7
Current: 13.55

13.55
20.7
ROE (%) 5.75
SFNC's ROE (%) is ranked higher than
65% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. SFNC: 5.75 )
SFNC' s 10-Year ROE (%) Range
Min: 5.75   Max: 12.4
Current: 5.75

5.75
12.4
ROA (%) 0.53
SFNC's ROA (%) is ranked higher than
64% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. SFNC: 0.53 )
SFNC' s 10-Year ROA (%) Range
Min: 0.53   Max: 1.26
Current: 0.53

0.53
1.26
ROC (Joel Greenblatt) (%) 27.20
SFNC's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. SFNC: 27.20 )
SFNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 27.2   Max: 88.27
Current: 27.2

27.2
88.27
Revenue Growth (%) 0.20
SFNC's Revenue Growth (%) is ranked higher than
72% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SFNC: 0.20 )
SFNC' s 10-Year Revenue Growth (%) Range
Min: -2.7   Max: 8.2
Current: 0.2

-2.7
8.2
EBITDA Growth (%) -12.10
SFNC's EBITDA Growth (%) is ranked higher than
57% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SFNC: -12.10 )
SFNC' s 10-Year EBITDA Growth (%) Range
Min: -12.1   Max: 10.8
Current: -12.1

-12.1
10.8
EPS Growth (%) -12.90
SFNC's EPS Growth (%) is ranked higher than
57% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SFNC: -12.90 )
SFNC' s 10-Year EPS Growth (%) Range
Min: -12.9   Max: 12.5
Current: -12.9

-12.9
12.5
» SFNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with SFNC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 25.70
SFNC's P/E(ttm) is ranked higher than
51% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. SFNC: 25.70 )
SFNC' s 10-Year P/E(ttm) Range
Min: 9.7   Max: 30.48
Current: 25.7

9.7
30.48
P/B 1.55
SFNC's P/B is ranked higher than
54% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SFNC: 1.55 )
SFNC' s 10-Year P/B Range
Min: 0.85   Max: 1.95
Current: 1.55

0.85
1.95
P/S 3.28
SFNC's P/S is ranked higher than
53% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. SFNC: 3.28 )
SFNC' s 10-Year P/S Range
Min: 1.9   Max: 4.42
Current: 3.28

1.9
4.42
PFCF 61.66
SFNC's PFCF is ranked higher than
58% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. SFNC: 61.66 )
SFNC' s 10-Year PFCF Range
Min: 4.63   Max: 66.69
Current: 61.66

4.63
66.69
EV-to-EBIT 7.59
SFNC's EV-to-EBIT is ranked higher than
90% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. SFNC: 7.59 )
SFNC' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 16.6
Current: 7.59

0.1
16.6
Shiller P/E 21.86
SFNC's Shiller P/E is ranked higher than
73% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.69 vs. SFNC: 21.86 )
SFNC' s 10-Year Shiller P/E Range
Min: 9.98   Max: 23.09
Current: 21.86

9.98
23.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.18
SFNC's Dividend Yield is ranked lower than
54% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. SFNC: 2.18 )
SFNC' s 10-Year Dividend Yield Range
Min: 1.84   Max: 3.81
Current: 2.18

1.84
3.81
Dividend Payout 0.56
SFNC's Dividend Payout is ranked higher than
61% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. SFNC: 0.56 )
SFNC' s 10-Year Dividend Payout Range
Min: 0.16   Max: 0.9
Current: 0.56

0.16
0.9
Dividend growth (3y) 3.40
SFNC's Dividend growth (3y) is ranked higher than
73% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. SFNC: 3.40 )
SFNC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 14.8
Current: 3.4

0
14.8
Yield on cost (5-Year) 2.50
SFNC's Yield on cost (5-Year) is ranked lower than
51% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SFNC: 2.50 )
SFNC' s 10-Year Yield on cost (5-Year) Range
Min: 2.09   Max: 4.33
Current: 2.5

2.09
4.33
Share Buyback Rate 1.80
SFNC's Share Buyback Rate is ranked higher than
94% of the 1238 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SFNC: 1.80 )
SFNC' s 10-Year Share Buyback Rate Range
Min: 1.8   Max: -7.1
Current: 1.8

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 13.20
SFNC's Earnings Yield (Greenblatt) is ranked higher than
87% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SFNC: 13.20 )
SFNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6   Max: 2637
Current: 13.2

6
2637
Forward Rate of Return (Yacktman) -0.55
SFNC's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. SFNC: -0.55 )
SFNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.6   Max: 18.6
Current: -0.55

0.6
18.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Simmons First National Corporation is incorporated in Arkansas. It is a multi-bank financial holding company. It provides a range of banking services to individual and corporate customers through its subsidiaries and their branch banks with offices in Arkansas, Missouri and Kansas. The Company own eight community banks that are strategically located throughout Arkansas and conduct its operations through 96 offices, of which 92 are branches located in 55 communities in Arkansas, Missouri and Kansas. Its community banks are supported by its main subsidiary bank, Simmons First National Bank, which allows its community banks to provide products and services, such as a bank-issued credit card, that are usually offered only by larger banks. Its community banking business model involves some additional administrative costs as a result of maintaining multiple bank charters, but has allowed it to maintain strong management at the local level to meet the needs of local customers while ensuring good asset quality. In addition the Company provides efficiencies through consolidated back office support for information systems, loan review, compliance, human resources, accounting and internal audit. The Company faces competition from commercial banks in its various market areas. In addition, it also competes with other providers of financial services, such as savings and loan associations, credit unions, finance companies, securities firms, insurance companies, full service brokerage firms and discount brokerage firms. The Company, as a bank holding company, is subject to both federal and state regulation.
» More Articles for SFNC

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: OPK, LJPC, SFNC, HAFC, TUBE Jul 28 2014 
Simmons First National Corp. Reports Operating Results (10-K) Mar 04 2011 
Simmons First National Corp. Reports Operating Results (10-Q) Nov 09 2010 
Simmons First National Corp. Reports Operating Results (10-K/A) Aug 20 2010 
Simmons First National Corp. Reports Operating Results (10-Q) May 06 2010 
Simmons Company Reports Second Quarter 2009 Results Aug 21 2009 
Simmons Bedding Company Seeks Extension of Forbearance Period to March 31, 2009 Dec 09 2008 

More From Other Websites
SIMMONS FIRST NATIONAL CORP Financials Aug 19 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 10-Q, Quarterly Report Aug 11 2014
Simmons First Announces 43% Increase in Core Earnings Aug 06 2014
CORRECTING and REPLACING -- Simmons First Announces 43% Increase in Core Earnings Aug 06 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 25 2014
Simmons First: Adeptly Playing 'Let's Make A Deal' Jul 24 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 17 2014
CORRECTING and REPLACING -- Simmons First Announces 43% Increase in Core Earnings Jul 17 2014
Simmons First Announces 43% Increase in Core Earnings Jul 17 2014
Q2 2014 Simmons First National Corporation Earnings Release - Before Market Open Jul 17 2014
Simmons First National Corporation Announces Second Quarter Earnings Release Date and Conference... Jun 26 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Other Events Jun 25 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 23 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jun 02 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Other Events May 30 2014
Simmons First National to host conference call May 28 2014
Arkansas-based Simmons First to buy Liberty Bank May 28 2014
Arkansas-based Simmons First to buy Liberty Bank May 28 2014
SIMMONS FIRST NATIONAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 28 2014
Simmons First National to acquire Liberty Bancshares in all-stock transaction May 28 2014

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