SFNCSimmons First National Corporation

$3B

Q1 2020 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$287M+37.4% YoY

Gross Profit

$222M77.4% margin

Operating Income

$98M34.1% margin

Net Income

$77M26.9% margin

EPS (Diluted)

$0.68

QoQ Revenue Growth

+12.8%

Cash Flow

Operating Cash Flow

$104M

Free Cash Flow

$93M

Stock-Based Comp.

$5M

Balance Sheet

Total Assets

$20.8B

Total Liabilities

$18.0B

Stockholders' Equity

$2.8B

Cash & Equivalents

$1.7B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$287M	$209M	+37.4%
Gross Profit	$222M	$158M	+41.1%
Operating Income	$98M	$60M	+63.0%
Net Income	$77M	$48M	+61.9%

Revenue Segments

Deposit Account

$13M38%

Credit and Debit Card

$8M22%

Fiduciary and Trust

$7M20%

Mortgage Loans

$5M14%

Financial Service, Other

$2M4%

SBA Loans

$296,0001%

SFNC Q1 2020 Earnings — Simmons First National Corporation Revenue & Financial Results | Market Cap Arena