NASDAQ$SFNC

Simmons First National Corp · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Simmons reported net income of $67.4 million, impacted by differences in gains on sale of securities.

Simmons First National Corporation announced a net income of $67.4 million for Q1 2021, a decrease compared to the same period in 2020. The decrease was primarily due to differences in the gains on the sale of securities. Loan demand was below historical levels, but the pipeline rebuilt during the quarter. Asset quality improved compared to 2020.

  • Net income for Q1 2021 was $67.4 million, down from $77.2 million in Q1 2020.
  • Diluted earnings per share were $0.62, a decrease of $0.06 compared to the prior year.
  • Total loans were $12.2 billion, a decrease of $705.0 million on a linked-quarter basis.
  • Total deposits were $18.2 billion, representing a $1.2 billion increase since last quarter.

Headline financials

Total Revenue

$199M

Previous: $250M-20.5%
EPS (adj)

$0.62

Previous: $0.68-8.8%
Efficiency Ratio

57.8%

Previous: 56.4%+2.5%
Book Value per Share

$27.04

Previous: $26.11+3.6%
Tangible Book Value per Share

$16.13

Previous: $15.22+6.0%
Net Interest Margin

3.0%

Previous: 3.7%-18.7%
Tangible Common Equity to Tangible Assets

7.9%

Previous: 8.4%-6.0%
Capital Expenditures

-$2.51M

Previous: -$10.6M+76.2%
Free Cash Flow

$64.9M

Previous: $66.7M-2.6%
Net Income

$67.4M

Previous: $77.2M-12.7%
Operating Income

$151M

Previous: $156M-3.1%
Gross Profit

$197M

Previous: $224M-11.9%
Cash & Equivalents

$3.91B

Previous: $1.74B+124.8%
Total Assets

$23.3B

Previous: $20.8B+12.0%
Stock-Based Comp

$3.85M

Previous: $4.51M-14.5%

Revenue & EPS history

Simmons · Revenue · Quarterly

$199M

Q1 2021-20.5%vs Q1 2020
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Revenue by segment

Simmons · $208M total across 2 segments · Q2 2023

  • Net Interest Income
    $163M-11.8%
  • Noninterest Income
    $45M+11.9%

Forward guidance

Simmons is feeling the effects of COVID-19. Some industries are still struggling to return to pre-COVID levels of performance and the government's economic stimulus packages have created a rapid rise in liquidity. Loan demand has been well below historical levels, but they are encouraged by the rebuilding of the pipeline during the first quarter. Asset quality has improved as compared to 2020 and they are optimistic that trend will continue.

Tailwinds

  • Rebuilding of the loan pipeline during the first quarter.
  • Asset quality has improved as compared to 2020.
  • Optimistic that the asset quality trend will continue.
  • Lending capacity that has not been seen in several years.
  • Poised to do their part as the economy continues to return to normal.

Headwinds

  • Still feeling the effects of COVID in the economy.
  • Some industries are still struggling to return to pre-COVID levels of performance.
  • Government's economic stimulus packages have created a rapid rise in liquidity.
  • Loan demand has been well below historical levels.
  • Unspecified economic uncertainty stemming from the COVID-19 pandemic.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

-0.8%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+2.2%

Avg return

30 days after

42%

28 / 66 earnings

Positive

+10.6%

Q2 2019

Best reaction

-9.9%

Q4 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.4%+3.5%+0.2%
Q4 2025+8.9%+3.8%+11.4%
Q3 2025+1.6%-1.5%-0.4%
Q2 2025-0.9%+0.0%+2.3%
Q1 2025-4.0%-1.0%+10.1%
Q4 2024-1.6%-0.8%-3.6%
Q3 2024-2.3%+0.0%+5.1%
Q2 2024+1.4%-1.1%-0.9%
Q1 2024-5.1%-6.9%-6.2%
Q4 2023+6.0%+6.4%-1.5%
Q3 2023-8.1%-7.4%+5.5%
Q2 2023+0.6%+0.5%-11.0%
Q1 2023-4.6%+1.6%+1.6%
Q4 2022-5.9%-5.0%-1.8%
Q3 2022-5.8%-1.9%-3.6%
Q2 2022+0.9%+1.4%+13.2%
Q1 2022-3.0%-0.9%+5.1%
Q4 2021-2.7%-2.1%-2.1%
Q3 2021-6.5%-4.1%-2.9%
Q2 2021+1.3%+0.8%+5.5%
Q1 2021-2.6%+0.6%+4.0%
Q4 2020-1.9%-6.6%+12.1%
Q3 2020-2.4%+3.4%+16.3%
Q2 2020+7.2%+9.3%+6.8%
Q1 2020-4.3%-2.4%-10.0%
Q4 2019-2.9%-4.8%-4.3%
Q3 2019+1.2%+2.1%+3.4%
Q2 2019+10.6%+11.4%+7.0%
Q1 2019-3.6%-3.1%-4.6%
Q4 2018-4.6%-5.2%+3.4%
Q3 2018-0.9%-3.5%+5.6%
Q2 2018+0.6%-3.8%+0.5%
Q1 2018+5.4%+5.6%+9.2%
Q4 2017+0.5%-0.1%-0.3%
Q3 2017-1.4%-1.6%-8.5%
Q2 2017+1.9%+3.1%-1.2%
Q1 2017+0.4%+2.1%-2.5%
Q4 2016+3.5%+3.7%+2.8%
Q3 2016-0.5%+0.9%+21.6%
Q2 2016-1.9%-4.2%-0.6%
Q1 2016-1.0%
Q4 2015-9.9%
Q3 2015+9.3%
Q2 2015-3.7%
Q1 2015-1.2%
Q4 2014+2.9%
Q3 2014-2.0%
Q2 2014-5.1%
Q1 2014+3.6%
Q4 2013-1.5%
Q3 2013+0.4%
Q2 2013+0.1%
Q1 2013+0.3%
Q4 2012+1.0%
Q3 2012+0.9%
Q2 2012-0.7%
Q1 2012-0.9%
Q4 2009+2.8%
Q1 2011+2.8%
Q4 2011+2.8%
Q3 2011-5.4%
Q3 2010-5.4%
Q2 2010-6.6%
Q4 2010-6.6%
Q2 2011-6.6%
Q1 2010+0.1%

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