Simmons First National
Regional banking parent spanning lending, deposits, wealth management, cards, and insurance.
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Profile
Provides consumer, commercial, real-estate, agricultural, mortgage, treasury, trust, investment, card, and insurance services through Simmons Bank across the Mid-South. Earnings come mainly from interest spreads, with fee income from banking and wealth services; results depend on deposit funding, credit performance, interest rates, and bank regulation.
Operates Simmons Bank across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, serving individuals, small and midsize businesses, and larger commercial clients. Community banking covers deposits, consumer and real-estate lending, mortgages, cards, and digital banking; commercial banking adds commercial real estate, construction, industrial, equipment, agricultural, SBA, and treasury-management financing. A wealth group provides trust, investment, agency, and custody services, while bank-owned agencies sell personal and commercial insurance.
Combines local relationship teams with centralized support and earns mainly from the spread between interest on loans and securities and the cost of deposits and borrowings, supplemented by service fees. Credit quality, deposit stability, interest rates, and operating efficiency shape results. As a financial holding company, cash available to the parent depends principally on dividends from the regulated bank, subject to capital and supervisory limits.
Company facts
Categories
Key statistics
Year to date +20.5% · Average volume (30d) 1.3M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 20, 2026 | National Bank | Target | $24 | $25 | ||
| Jul 17, 2026 | Raymond James | Reiterate | Outperform | $23 | $25 | |
| Jun 29, 2026 | National Bank | Target | $23 | $24 | ||
| Jan 22, 2026 | National Bank | Target | $21 | $23 | ||
| Jan 22, 2026 | Raymond James | Upgrade | Market Perform | Outperform | $23 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 16, 2026Q2 FY26 | $0.53 | $0.50 | −5.7% | $251.0M | $248.6M | −1.0% | −1.29% |
| Apr 16, 2026Q1 FY26 | $0.47 | $0.47 | 0.0% | $243.1M | $241.4M | −0.7% | +5.18% |
| Jan 20, 2026Q4 FY25 | $0.49 | $0.54 | +10.2% | $238.7M | $249.0M | +4.3% | +8.92% |
| Oct 16, 2025Q3 FY25 | $0.47 | $0.46 | −2.1% | $233.5M | −$446.0M | −291.0% | +1.50% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $351.0M | $354.2M | −$446.0M | $358.8M | $301.8M | $355.6M | |
| Gross profit | $179.8M | $199.0M | −$584.7M | $233.5M | $197.2M | $231.1M | |
| Operating income | $38.2M | $63.6M | −$723.5M | $94.0M | $56.5M | $83.4M | |
| Net income | $32.4M | $54.8M | −$562.8M | $78.1M | $68.5M | $66.7M | |
| Diluted EPS | $0.26 | $0.43 | −$4.00 | $0.54 | $0.47 | $0.46 | |
| Gross margin | 51.2% | 56.2% | — | 65.1% | 65.3% | 65.0% | |
| Operating margin | 10.9% | 18.0% | — | 26.2% | 18.7% | 23.5% |
Fiscal years (4-quarter sums)FY21 $851.8M · FY22 $1.02B · FY23 $1.34B · FY24 $1.45B · FY25 $618.0M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $3.45B · Total debt $1.30B · Total assets $24.78B · Shareholders' equity $3.48B
Dividends
Raised for 38 straight years — most recently to $0.215 from $0.2125 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jul 1 | $0.215 | |
| Mar 13, 2026 | Mar 13 | Apr 1 | $0.215 | raised from $0.2125 |
| Dec 15, 2025 | Dec 15 | Jan 2 | $0.2125 | |
| Sep 15, 2025 | Sep 15 | Oct 1 | $0.2125 | |
| Jun 13, 2025 | Jun 13 | Jul 1 | $0.2125 | |
| Mar 14, 2025 | Mar 14 | Apr 1 | $0.2125 | raised from $0.21 |
| Dec 13, 2024 | Dec 13 | Jan 2 | $0.21 | |
| Sep 13, 2024 | Sep 13 | Oct 1 | $0.21 |
Ownership
Shares outstanding 145.06M · Float 143.07M · 98.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 20.81M | 14.34% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 8.81M | 6.07% | 13F | Aug 13, 2026 |
| State Street Corp | 8.14M | 5.61% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 6.61M | 4.56% | 13F | Aug 13, 2026 |
| Wellington Management Group LLP | 6.59M | 4.54% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Oct 30, 2025 | Steven A. Cosse | director | +8,603 | $17.44 |
| Oct 22, 2025 | David W. Garner | officer: EVP, Chief Accounting Officer | +3,000 | $17.66 |
Peers
- Regions Financial
Larger Southeast bank across several shared states
- BOK Financial
Oklahoma and Texas bank with broad treasury and wealth lines
- Prosperity Bancshares
Texas and Oklahoma community-bank rival for deposits and loans
- Cullen/Frost Bankers
Texas-focused commercial bank with wealth and treasury depth
- First Horizon
Memphis-based southern bank in Tennessee and Texas
- Bank OZK
Arkansas and Texas banking overlap with heavier CRE exposure
- Commerce Bancshares
Missouri and Kansas peer with payments and wealth depth
- UMB Financial
Kansas City bank across Midwest commercial and wealth services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Simmons First National | $22.69 | +0.02% | $3.29B | — | 10.7 | 5.8 | +69,452.9% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| BOK Financial | $135.14 | −1.69% | $8.35B | 12.9 | 13.3 | 2.5 | +4.8% |
| Prosperity Bancshares | $72.30 | +0.01% | $8.69B | 12.5 | 10.8 | 4.9 | +25.9% |
| Cullen/Frost Bankers | $161.69 | −0.01% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Bank OZK | $49.40 | −0.02% | $5.39B | 8.2 | 8.5 | 1.9 | +1.8% |
| Commerce Bancshares | $58.04 | +0.02% | $8.46B | 14.1 | 13.1 | 3.9 | +11.9% |
| UMB Financial | $144.59 | +0.07% | $10.98B | 12.0 | 11.0 | 2.4 | +22.9% |
| Median | 12.5 | 11.2 | 2.6 | +9.7% |