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what it is
SFNC is a regional bank that takes your deposits, makes loans, and sells trust, investment, and insurance services.
how it gets paid
Last year Sfnc made $1.2B in revenue. commercial and real estate lending was the main engine at $0.46B, or 38% of sales.
why growth slowed
Revenue fell 5.2% last year. EPS at -$3.63 mattered more than the revenue jump because losses.
what just happened
EPS came in at -$3.63 even as revenue hit $936M.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
25/100 earnings predictability — expect surprises
4.6% dividend yield — cash in your pocket every quarter
-$2.78 fy2025 eps est
$3M fy2024 rev est
xvary composite: 51/100 — below average
What they do
SFNC is a regional bank that takes your deposits, makes loans, and sells trust, investment, and insurance services.
If your checking account, farm loan, trust account, and insurance all sit at one local bank, moving is a weekend you never want. SFNC has 220 branches across six states and has paid a cash dividend for 117 straight years. That local reach keeps customers sticky and gives the bank more chances to sell you a second product.
How they make money
$1.2B
annual revenue · their business grew -5.2% last year
commercial and real estate lending
$0.46B
consumer and residential lending
$0.24B
deposit services
$0.18B
wealth, trust, and securities services
$0.16B
insurance agency services
$0.16B
The products that matter
gathers deposits and makes loans
Consumer Banking
supports the $1.0B net interest income base
it funds the bank's core engine, and that engine still makes up about 83% of the revenue mix.
core funding
business lending and treasury services
Commercial Banking
$17.6B loan portfolio
this is where credit quality matters most. A $17.6B loan book leaves very little room for underwriting mistakes.
credit watch
investment and trust services
Wealth Management
part of the $200M fee income base
non-interest income is about $200M, or 17% of the mix, which is why management wants more fee revenue and less dependence on spreads.
fee mix
Key numbers
$2.78
FY2025 EPS
Earnings per share → profit for each share you own → so what: analysts expect a loss in FY2025 after SFNC earned $1.21 in 2024.
4.6%
dividend yield
Dividend yield → the cash return you get from holding the stock → so what: you are being paid to wait, but only if earnings stabilize.
$384M
long-term debt
Long-term debt → money the bank owes over years, not months → so what: debt is 12% of capital, which is manageable if losses do not deepen.
220
branches
Branch count → physical locations where customers bank → so what: this footprint is the sales machine and the overhead bill at the same time.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 4 — safer than 20% of stocks
- price stability 65 / 100
- long-term debt $384M (12% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for SFNC right now.
source: institutional data · return history unavailable
What just happened
missed estimates
EPS came in at -$3.63 even as revenue hit $936M.
Revenue rose 199% vs. prior year, but shareholders still got a loss. Quiet part out loud: bigger reported revenue did not fix the profit problem.
$936M
revenue
$3.63
eps
n/a
n/a
the number that mattered
EPS at -$3.63 mattered more than the revenue jump because losses, not sales, cap what investors will pay for a bank.
source: company earnings report, 2026
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What could go wrong
the top risk here is spread pressure on a bank that still depends on net interest income.
high
Net interest margin pressure
Net interest income fell 5.2% compared to last year and still represents about 83% of the revenue mix. That's the core engine, so even modest pressure matters.
Direct pressure on roughly $1.0B of annual net interest income.
high
Credit quality in the $17.6B loan book
Management already had to act aggressively on nonperforming loans to help the quarter. When a regional bank is working credit issues, one bad pocket can travel fast.
Any deterioration hits earnings, capital, and the case for a book-value rerating.
med
CEO execution risk
Jay Brogdon took over on jan 1, 2026. New leadership can reset expectations, but it also means the turnaround thesis now depends on early capital allocation and underwriting calls.
If the first strategic moves misfire, 0.8x book can stay 0.8x book for a long time.
The combined risk is simple: a bank trading below book stays below book if spread pressure persists and the $17.6B loan book fails to clean up.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
Net interest income trend
The latest read was $1.0B, down 5.2% from last year. If that decline keeps going, the cheap valuation probably stays cheap.
calendar
Q1 2026 earnings report
Expected apr 13, 2026. You want to see whether the Q4 profit print was the start of a pattern or just a cleaner quarter.
trend
Buyback execution
The $175M authorization is meaningful. Actual repurchases will tell you whether management thinks 0.8x book is truly mispriced.
risk
Loan quality commentary
With a $17.6B loan portfolio, even small changes in nonperforming loan trends matter more than polished presentation language.
Analyst rankings
earnings predictability
25 / 100
Low score. In human-speak: analysts do not trust this bank to deliver smooth, easy-to-model quarters.
balance sheet grade
B++
Above average balance sheet grade. Good enough to matter, not good enough to end the argument.
price stability
65 / 100
This stock is not chaos, but it is still tied to the mood swings of regional bank investing.
source: institutional data
Institutional activity
institutional ownership data for SFNC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$22
current price
n/a
target midpoint · n/a from current
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