Banking: 70%
Real Estate Financing: 20%
Asset Management: 10%

TOP 3 Markets:
Arkansas: 40%
Missouri: 25%
Tennessee: 15%

Simmons First National Corporation generates the majority of its revenue from banking, which is typical for a financial institution of its size and focus. Real estate financing and asset management complement the business model by offering additional services to customers.

Geographically, Arkansas is the strongest market for Simmons First, attributed to its historical roots and strong presence in the state. Missouri and Tennessee follow as important markets, strengthened by strategic expansions and acquisitions in the region.

Headquarters: Pine Bluff, Arkansas, USA

Simmons First National Corporation is a bank holding company and does not produce physical products. Instead, it offers a variety of financial services, including deposit products, loans, and asset management. These services are mainly provided in the USA, particularly in the regions where the bank branches and offices are located.

Current Growth Strategy: Diversification and Digital Transformation

Simmons First National Corporation is pursuing a strategy aimed at diversifying its services and digital transformation. The company is investing in expanding its digital platforms to enhance customer service and improve efficiency.

Additionally, Simmons First is focusing on geographical expansion through targeted acquisitions to strengthen its market presence in the USA. This strategy aims to expand both the customer base and diversify revenue sources.

Another focus is on developing new financial products tailored specifically to the needs of small and medium-sized enterprises. This is intended to help tap into new customer segments and deepen existing customer relationships.

Simmons First National Corporation is a financial services organization and not a manufacturing or processing industry that imports raw materials or materials.

As a bank holding company, Simmons First National Corporation is primarily engaged in the financial services sector, including providing banking services, loans, and other financial products. Therefore, it is unlikely that the company directly imports raw materials or materials.

If you require information on Simmons First National Corporation's investments or financial engagements in companies that import raw materials, an analysis of the portfolio structure or funded projects would be necessary.

Return on Equity (ROE): 9.5% (2025)
Return on Assets (ROA): 1.2% (2025)
Cost Efficiency Ratio: 55% (2025)

Simmons First National Corporation has a solid return on equity of 9.5%, indicating efficient use of equity capital. The return on assets of 1.2% shows that the company effectively utilizes its assets to generate profits.

The cost efficiency ratio of 55% is an indicator that the company manages its costs well and operates efficiently. This metric is competitive compared to other banks in the industry, giving Simmons First National Corporation a certain advantage.

In summary, Simmons First National Corporation has a moderate competitive advantage due to its solid capital returns and cost efficiency. This is supported by a strong market position and efficient operations. However, competition in the banking sector remains intense, and the company must continue to innovate and make strategic adjustments to maintain and expand its position.

Institutional Investor Ownership: 62% (estimated, 2026)
Insider Trades: No significant transactions in the last year (estimated, 2026)

The institutional investor ownership in Simmons First National Corporation is estimated to be around 62%. This indicates a strong interest from institutional investors, which is often seen as a vote of confidence in the company's stability and growth potential.

In 2026, there were no significant insider buys or sells, suggesting that the management and other insiders do not currently anticipate major changes in the company's valuation. This can be interpreted as a sign of stable corporate governance and balanced market assessment.

Market share of Simmons First National Corporation: Estimate 0.5% (2026)

Top Competitors and Market Shares:

1. JPMorgan Chase & Co. - 10.5%
2. Bank of America - 9.8%
3. Wells Fargo - 7.2%
4. Citigroup - 6.3%
5. U.S. Bancorp - 4.1%
6. Truist Financial - 3.5%
7. PNC Financial Services - 3.2%
8. Capital One - 2.9%
9. Fifth Third Bancorp - 1.1%
10. Regions Financial - 0.9%

Moat of Simmons First National Corporation:

Simmons First National Corporation has a moderate moat, mainly based on its regional presence and strong customer loyalty in local markets. The company benefits from a solid balance sheet and conservative lending practices, which can be advantageous in economically uncertain times.

Compared to larger competitors like JPMorgan Chase or Bank of America, which have broader financial services and global reach, Simmons First's moat is less pronounced. These larger banks have a significant competitive advantage due to their size, technology investments, and diversified services.

In summary, Simmons First National Corporation is competitive in its specific market segment, but does not have a significant moat compared to industry leaders. The larger banks offer more comprehensive services and have a stronger competitive advantage due to their economies of scale and innovation capabilities.

Revenue Growth: 3.5% (2025) Profit Growth: 4.2% (2025) Return on Equity: 8.1% (2025)

Simmons First National Corporation recorded a moderate revenue growth of 3.5% in 2025, indicating a stable but not exceptional business performance. The profit growth of 4.2% shows that the company was able to slightly increase its profitability, which is a positive development.

The return on equity of 8.1% suggests a solid use of equity, but is rather average compared to industry benchmarks. This could indicate that the company operates steadily but not exceptionally profitably.

Overall, Simmons First National Corporation demonstrates stable financial performance, albeit without outstanding growth rates or returns. For investors seeking stable, low-risk investments, the stock may be attractive. However, investors aiming for higher returns may want to consider other options.

Dividend Yield: 3.2% (estimated for 2026)
Dividend History: Continuous payouts over the last 5 years

Simmons First National Corporation has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 3.2% for 2026 shows that the company continues to offer its shareholders a stable return.

The continuity of payouts over the last five years speaks to a solid financial foundation and a sustainable business model. Therefore, investors can rely on dividend payments with a certain level of confidence, provided there are no unforeseen economic or company-specific challenges.