SFNCSimmons First National Corporation

$3B

Q4 2019 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$255M+22.2% YoY

Gross Profit

$203M79.9% margin

Operating Income

$66M25.8% margin

Net Income

$53M20.7% margin

EPS (Diluted)

$0.49

QoQ Revenue Growth

-8.0%

Cash Flow

Operating Cash Flow

$78M

Free Cash Flow

$48M

Stock-Based Comp.

$4M

Balance Sheet

Total Assets

$21.3B

Total Liabilities

$18.3B

Stockholders' Equity

$3.0B

Cash & Equivalents

$1.0B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$255M	$208M	+22.2%
Gross Profit	$203M	$158M	+28.6%
Operating Income	$66M	$67M	-2.5%
Net Income	$53M	$56M	-5.3%

Revenue Segments

Deposit Account

$13M37%

Credit and Debit Card

$9M25%

Fiduciary and Trust

$7M21%

Mortgage Loans

$4M11%

Financial Service, Other

$2M5%

SBA Loans

$321,0001%

SFNC Q4 2019 Earnings — Simmons First National Corporation Revenue & Financial Results | Market Cap Arena