Simmons First National Corporation (SFNC)
Financial Services
- Fundamental
- 3
- Sentiment
- 2
- Technical
- 4
Do Nothing: qualitativeScore is 2 (below required floor of 3); strategy requires qualitativeScore ≥ 3 before any bullish entry.
Company overview
Simmons First National Corporation is the parent company of Simmons Bank, offering a range of banking and financial services to individuals and businesses. Its services include deposit accounts, loans, trust and fiduciary services, investment management, and insurance products. The company operates 199 branches across several states, including Arkansas and Texas.
Fundamental
fairSimmons First National shows stable capital but faces deposit declines and rising nonperforming loans.
Mixed fundamentals (3/5). SEC filings show SFNC remains well-capitalized (CET1 ~11.6%) and returned to solid profitability in 1H26, but deposits have trended lower and nonperforming loans rose to ~0.92% of loans in 2Q26 after a FY2025 GAAP net loss tied to securities repositioning. The dividend is maintained ($0.215/quarter; ~3.7% trailing yield) and analyst consensus target is $25, but funding and credit trends keep uncertainty elevated.
Sentiment
weakMedia sentiment is cooling, with no significant retail chatter or upcoming catalysts.
The dominant near-term event is the 2Q26 earnings release (2026-07-16, announced), and recent coverage skewed slightly negative on an EPS/revenue miss and deposit/credit-loss themes versus a more constructive 30–90d baseline. No regulator-confirmed investigations were found (court-case search hit CAPTCHA), and with no forward catalyst visible the setup looks weak over the next 1–30 trading days.
Technical
goodThe stock is above major moving averages, but momentum is moderate and lacks re-acceleration.
Price is above the 20/50/200-day SMAs, EMA9/21, and daily VWAP, while RSI14 56.28 and ADX14 57.35 show a firm uptrend with healthy participation. The main blemish is that MACD remains above zero but below its 0.29 signal (histogram -0.04), so upside momentum is constructive rather than fully re-accelerating.
You’re looking at 2026-07-23 — about 2 trading days ago.
Subscribers saw this then, and see today’s score, verdict and trade plan now.
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Not financial advice. For informational and educational purposes only.