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Simmons First National Corporation (Class A) (SFNC) — RQD Stock Rating Cockpit

$23.37 +1.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.38

Simmons First National Corporation (Class A) (SFNC) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $3.38B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SFNC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SFNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Simmons First National Corporation (Class A) (NASDAQ: SFNC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $23.37 (+1.30% 1D, market cap $3.38B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, SFNC ranks #508 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SFNC compare to CBU and FFBC in the Financials sector?

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Within the Financials sector (Major Banks), SFNC carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -11.1%. By comparison, CBU (Community Financial System Inc.) holds a C grade (65/100 RQD, P/E 15.8x, ROIC 10.5%, cap $3.33B) and FFBC (First Financial Bancorp.) posts a C grade (63/100 RQD, P/E N/A, ROIC 0.0%, cap $3.45B). Among the 5-stock peer group, MCHB leads on earnings multiple (12.2x) while PRK leads on capital efficiency (13.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SFNC?

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Per SFNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000090498), Simmons First National Corporation (Class A) generated $0 in revenue, -$379.6M in net income, and $411.4M in free cash flow against $24.54B in total assets and $335.0M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.38 (+0.04%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 10.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFNC)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (57/100 Composite)

🔍 WHY SFNC SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (26% of score)

20D Institutional Volume Accumulation (±4.4% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+12/20 pts (21% of score)

FRED Regime × Technicals: 87% of 52W Range • RSI-14 at 59.1 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$22.34-0.5% Next Q

Q2 (-2Q)

Grade C-$22.22+5% Next Q

Q3 (-1Q)

Grade C-$23.34+0.1% Next Q

Current

Grade D+$23.37-0.2% Hist 90D α

Trajectory: D (49) → D+ (57)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SFNC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, SFNC faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.81) or 200D SMA ($21.75) invalidates the momentum regime and cuts Target Base ($23.26) toward Bear Floor ($18.14).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFNC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SFNC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 57%NO 43%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

59.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE87% OF RANGE

L: $17$23.37H: $24

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on SFNC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

-11.1% ROIC with 42.0% gross margin and 12.18% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

25/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like SFNC

✓Big institutional funds and options desks are actively positioning on the bullish side.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SFNC)

✓Walkthrough of SFNC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SFNC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.65%📐 HORIZONTAL RANGE

2026-11-02O $23.07H $23.37L $23.07C $23.37VOL 1.54M

RES: $23.76SUP: $21.61SMA50: $22.81SMA200: $21.75

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SFNC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SFNC Butterfly Map → + Track SFNC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SFNC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SFNC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SFNC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFNC)

Financials Rank #508 of 1096 ⚔️ CBU vs SFNC Full Matrix →

1. Head-to-Head Financials Peer Comparison (SFNC vs. CBU, FFBC, PRK, MCHB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Simmons First National Corporation (Class A) (SFNC) ranks #508 by composite RQD confidence (57/100, grade D+) and #337 by equity capitalization ($3.38B). Within this direct 5-issuer industry benchmark cohort, MCHB leads on earnings valuation at 12.2x trailing P/E, while PRK leads on capital efficiency and profitability with 13.3% ROIC and — gross margin. PRK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with SFNC at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SFNC ACTIVE Simmons First National Corporation (Class A)	D+	57/100	—	—	-11.1%	+1.30%	$3.38B	Benchmark Subject
CBU Community Financial System Inc.	C	65/100	15.8x	—	10.5%	+0.96%	$3.33B	/cbu-vs-sfnc →
FFBC First Financial Bancorp.	C	63/100	—	—	0.0%	+0.34%	$3.45B	/ffbc-vs-sfnc →
PRK Park National Corporation	C+	66/100	18.2x	—	13.3%	+1.53%	$3.27B	/prk-vs-sfnc →
MCHB Mechanics Bancorp (Class A)	D+	53/100	12.2x	—	9.3%	-1.81%	$3.23B	/mchb-vs-sfnc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000090498

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Simmons First National Corporation (Class A) (SFNC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$379.6M, operating cash flow of $449.5M, and free cash flow of $411.4M (+8.1% YoY). On the balance sheet, SFNC closed FY2025 with $24.54B in total assets against $335.0M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	-$379.6M	$449.5M	$411.4M	$24.54B	$335.0M
FY2024 (FY)	2024-12-31	$0	$152.7M	$425.9M	$380.4M	$26.88B	$386.7M
FY2023 (FY)	2023-12-31	$0	$175.1M	$541.0M	$541.0M	—	—

3. SFNC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SFNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SFNC compare to CBU and FFBC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SFNC?

Where is SFNC trading relative to its 50-day, 200-day, and 52-week technical levels?

SFNC last traded at $23.37 (+1.30% on volume of 1,538,798 shares), positioning the stock +2.46% above its 50-day simple moving average ($22.81) and +7.45% above its 200-day simple moving average ($21.75). Across its 52-week range of $17.00 to $24.32, SFNC sits at the 87.0% percentile with a 14-day RSI of 59.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($22.34 to $24.40).

SFNC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SFNC stock right now?

Simmons First National Corporation (Class A) (SFNC) currently earns a Roarable Rating of D+ (Sell — SELL) with 57/100 RQD Confidence. Stretched risk/reward at current multiples (-11% return on capital) under elevated 10-year interest-rate pressure.

What is SFNC's 12-month price target and RQD AI Jury consensus?

SFNC's 12-month base price target is $23.26 (range $18.14 to $27.45), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: SFNC RQD Cockpit SFNC 12M Forecast SFNC Earnings & Move SFNC Dividends & DRIP SFNC Insiders & 13F SFNC Whale Options SFNC Profit Sankey SFNC News & Why