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.
FAIL · Does not pass the screen
23.33 USD
Price as of 27 Oct 2026Daily close, not a live quote
Screened 2026-10-27 · the tape above runs as of 12:02 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price23.33 USD at the 27 Oct 2026 close
Ethical screenDoes not pass
OptionsOpen interest leans to puts (put/call 3.79)
Last reviewed27 Oct 2026 (2 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 23.33 against the desk's fair-value range, base estimate 28.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 3.79, read 2026-10-28
Ethical does not pass the values gate
Price23.33 USD
Fair value28.00
Ethical score30.0/100
Our investment reviews on this name
2026-10-29Read Accumulation23.33+0.0% to today ✓Markdown gives way to Accumulation
2026-10-10Read Markdown22.89+1.9% to today Accumulation gives way to Markdown first Markdown read since September
2026-10-02Read Accumulation22.89+1.9% to today ✓Markdown gives way to Accumulation with results news in the headlines
2026-09-12Read Markdown23.69-1.5% to today ✓Markup gives way to Markdown first Markdown read since July
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Simmons First National Corporation holds its Accumulation at $23.33. Consolidating, no directional conviction, held for 3 days.
As held on the ledger · 2026-10-27
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 3 days
Price at the screen
$23.33
Valuation
12.09 trailing · 10.12 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.94
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Simmons First National does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when SFNC's ethical verdict changes
Today SFNC does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-27 screen. The gold marker is the market price at the same screen. A 20.0% margin of safety to the base estimate.
Third-party analyst targets: 7 covering, consensus Buy. The average target sits +7% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-27 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Ethical Screen Blocks Path For Regional Bank
Everyday accounts and loans keep communities moving yet this one sits behind a hard line we will not cross. The ethical screen flags the sector outright so we pass regardless of the 14% revenue growth or the 10.4x forward earnings multiple that looks cheap on paper.
Profitability tells its own story with a zero margin and negative 10% return on equity while the modest analyst target of 24 dollars sits only slightly above the current price. None of that matters once the screen has spoken. This is exactly what the screen is for.
Currency and rate swings add further uncertainty for any bank but the ethical call comes first. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
SFNC trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 5.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 11% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24.
2026-10-22Markdown$22.05-0.5%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24.
2026-10-15Markdown$22.16+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$22.16-0.1%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-13Markdown$22.18+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-12Markdown$22.18-3.1%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-11Markdown$22.89+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-10Markdown · changed$22.89+0.0%Entry 7
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 3.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24.
2026-09-12Markdown · changed$23.69-1.8%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (7 analysts) rates it none, with a mean price target of $24.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
