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.

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.

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 basket, so SFNC sits alongside other stocks that express the same thesis.

Walnut takes the basket 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.

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?, 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?