SFNCSimmons First National Corporation

$3B

Q3 2018 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$209M+73.4% YoY

Gross Profit

$163M77.8% margin

Operating Income

$66M31.6% margin

Net Income

$55M26.4% margin

EPS (Diluted)

$0.59

QoQ Revenue Growth

+4.1%

Cash Flow

Operating Cash Flow

$41M

Free Cash Flow

$35M

Stock-Based Comp.

$3M

Balance Sheet

Total Assets

$16.3B

Total Liabilities

$14.1B

Stockholders' Equity

$2.2B

Cash & Equivalents

$518M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$209M	$121M	+73.4%
Gross Profit	$163M	$107M	+52.9%
Operating Income	$66M	$44M	+51.8%
Net Income	$55M	$29M	+91.3%

Revenue Segments

Deposit Account

$11M40%

Credit and Debit Card

$7M25%

Fiduciary and Trust

$6M23%

Mortgage Banking and SBA Loans

$2M7%

Financial Service, Other

$1M4%

SFNC Q3 2018 Earnings — Simmons First National Corporation Revenue & Financial Results | Market Cap Arena