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Simmons First National Corporation: Business Overview, Financials & Competitive Analysis

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...

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Simmons First National Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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4/ 10Mixed

Cyborg Score thesis

Regional bank recovery play with strong capital return programs, but elevated credit risks and persistent profitability...

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Industry Regional Banking - Mid-South
2 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 22, 2026
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Simmons First National Corporation Overview

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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

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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

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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)

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The top findings that survived the multi-agent debate for Simmons First National Corporation.

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Regional Banking ServicesCompeting regional and community banks in Mid-South marketsNational Banking ServicesLarger national banks competing for regional market share

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Industry context

Simmons First National Corporation operates in Regional Banking - Mid-South. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Simmons First National Corporation do?+
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...
What is Simmons First National Corporation's Cyborg Score?+
Simmons First National Corporation has a Cyborg Score of 4/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Simmons First National Corporation's main competitors?+
Named competitors include Regional Banking Services, National Banking Services. The full competitive landscape is in the AskCyborg report.
How can I get the full Simmons First National Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Simmons First National Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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