Simmons First National Corporat (SFNC) Stock Price & How to Invest

Simmons First National Corporation is the holding company for Simmons Bank, a community and commercial bank founded in 1903 and headquartered in Pine Bluff, Arkansas. The bank operates more than 220 branches across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, offering consumer and commercial deposits, real estate and commercial lending, agricultural and SBA loans, credit cards, trust and wealth services, and treasury management. It ended the first quarter of 2026 with roughly $24.7 billion in total assets and about $20.2 billion in deposits, and it has paid cash dividends for 117 consecutive years.

The investment picture centers on margin recovery and balance-sheet quality. In the third quarter of 2025 Simmons executed a large repositioning, selling about $2.4 billion of low-yielding securities at an after-tax loss of roughly $626 million and using the proceeds to pay down higher-cost wholesale funding, which produced a reported net loss for that quarter and pushed trailing-twelve-month earnings negative. Underlying quarterly results have since rebounded, with net interest margin widening and loan balances growing, so the stock is largely a bet on whether that cleaner starting point drives durable profitability improvement from here.

As a regional bank, Simmons earns most of its profit from the spread between loan yields and deposit costs, so shifts in interest rates and deposit competition directly pressure the margin. Commercial real estate and commercial lending concentration create credit risk if regional economies weaken, and provisions for loan losses can swing earnings. The 2025 repositioning shows management's willingness to take large one-time hits, which reduced trailing earnings and reminds investors that securities and funding decisions can produce volatile reported results. Regulatory capital requirements, integration risk from past acquisitions, and a geographically concentrated Mid-South footprint add further exposure. Slower-growth regional banks can also trade at persistently modest valuations relative to faster-growing peers.

7 analysts publish price targets on SFNC, averaging $25.00 against a $23.59 price as of August 2026, or +6.0%. The published targets run from $24.00 to $27.00, a narrow spread, and the ratings split 3 buy, 4 hold, 0 sell. Over the last six months there have been 4 raises and 1 cut among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full SFNC forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on Simmons First National Corporat. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. Net interest margin recovery. The 2025 securities sale and funding paydown were designed to lift net interest margin, which reached about 3.84% in the first quarter of 2026 as deposit costs fell toward roughly 1.96%. The most optimistic published target, $27.00, assumes this works close to its best case.

The case against. As a regional bank, Simmons earns most of its profit from the spread between loan yields and deposit costs, so shifts in interest rates and deposit competition directly pressure the margin. The most pessimistic target, $24.00, is roughly what SFNC is worth if this bites instead.

Read the full bull and bear case on SFNC, including what would have to change to break either one. Walnut is not an investment adviser.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Simmons First National Corporat's investor relations page or your broker.

• Market cap: ~$3.1B
• Total assets (Q1 2026): ~$24.7B
• Total deposits (Q1 2026): ~$20.2B
• Quarterly revenue (Q1 2026): ~$241M
• Net income (Q1 2026): ~$68.5M
• Diluted EPS (Q1 2026): ~$0.47
• Net interest margin (Q1 2026): ~3.84%
• Dividend yield: ~4%

Simmons reported first-quarter 2026 net income of about $68.5 million and diluted EPS of roughly $0.47, up sharply from about $32.4 million a year earlier and following a strong fourth quarter of 2025. Trailing-twelve-month earnings per share were negative (around -$2.96) because of the large third-quarter 2025 securities repositioning loss, which distorts standard price-to-earnings comparisons; investors often look at adjusted quarterly earnings and tangible book value instead. Return on average assets was about 1.13% and return on average common equity about 8.01% in the first quarter of 2026.

Other names that sit close to SFNC: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get SFNC exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so SFNC sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where SFNC fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

SFNC is a steady, dividend-focused regional bank whose story now hinges on how well a 2025 balance-sheet repositioning translates into cleaner, higher-margin earnings.

Whether SFNC is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is SFNC a buy or a sell?, and where the stock could go from here in the SFNC stock forecast.

For income investors, whether SFNC pays a dividend and how the payout looks is covered in does SFNC pay a dividend? And to weigh SFNC against a peer, read the full side-by-side comparisons: SFNC vs HOMB and SFNC vs OZK.