Simmons First National Corporation: Business Overview, Financials & Competitive Analysis
Simmons First National Corporation scores 4/10 on the AskCyborg Cyborg Score (Mixed). Regional bank recovery play with strong capital return programs, but elevated credit risks and persistent profitability challenges require careful monitoring before conviction. FY 2025 closed with Q4 revenue of $233.9M and EPS of $0.54, but trailing twelve-month figures show a net income loss of $397.6M and basic EPS.
What is Simmons First National Corporation's industry? Simmons First National Corporation (simmonsbank.com) operates in Regional Banking - Mid-South. AskCyborg classifies Simmons First National Corporation under Regional Banking - Mid-South in its company registry.
Simmons First National Corporation operates as the bank holding company for Simmons Bank, providing banking and financial products to individuals and businesses including checking, savings, deposits, consumer/commerci...
Cyborg Score thesis
Regional bank recovery play with strong capital return programs, but elevated credit risks and persistent profitability...
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Get Current Report FreeSimmons First National Corporation Overview
Pro stress-test →Simmons First National Corporation operates as the bank holding company for Simmons Bank, providing banking and financial products to individuals and businesses including checking, savings, deposits, consumer/commercial/real estate loans, trust services, and insurance products. The company operates across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, making it a significant Mid-South regional financial institution with over 220 branches.
Strategic Profile
Pro stress-test →The company is actively attracting and retaining top talent while capitalizing on industry dislocation and M&A activity in key markets, improving its competitive positioning and supporting future business expansion and earnings growth. Simmons maintains strong dividend credibility with 117 consecutive years of cash dividends, a 6% ten-year compound annual growth rate, and 15 consecutive years of dividend increases, earning it designation as a "Dividend Contender."
Competitive Landscape
Pro stress-test →Simmons competes in the Mid-South regional banking market against larger national banks and other community banks. The company differentiates through a network of over 222 financial centers and client-centric approach. Recent recognition as one of America's Best Regional Banks 2026 (Newsweek) and Best-In-State Companies 2026 (Forbes) supports market positioning.
Industry Context
Simmons First National Corporation operates in Regional Banking - Mid-South.
Key facts
Founded: 1903 · Headquarters: Pine Bluff, Arkansas, US · Employees: 3,500+ · Revenue: $233.9M (Q4 2025) · Market cap: $4.4B (based on $21.36 share price and ~200M shares)