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Simmons First National Corporation (SFNC) Fair Value & Analysis

Financial Services · US · Market cap $3.1B

Price$22.70
Fair Value$6.84
Upside-69.9%
Quality95/100
Evidence: Low Range $4.25 – $9.44

Fair value as of: Jun 25, 2026

Analysis

Simmons First National Corporation (SFNC) currently trades at $22.70, while our model-based Fair Value estimate is $6.84 — implying the stock looks roughly 69.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers deposits, checking, and savings accounts; loan products, such as consumer, real estate, commercial, agricultural, equipment, warehouse lending, and SBA lending; specialized products and services, including credit cards, trust and fiduciary services, investments, and insurance; and treasury management services. It also provides ATM services; internet and mobile banking platforms; overdraft facilities; safe deposit boxes; and brokerage services. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

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Frequently asked questions

Is Simmons First National Corporation (SFNC) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $6.84 versus a price of $22.70 — about −70% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SFNC?
Our 21-model fair value for Simmons First National Corporation is $6.84 (as of Jun 25, 2026), built from audited fundamentals. The current price is $22.70.
What is the quality score of SFNC?
Simmons First National Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.