Simmons First National (SFNC) reported $208.5 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 17.4%. EPS of $0.39 for the same period compares to $0.40 a year ago.

The reported revenue represents a surprise of +2.26% over the Zacks Consensus Estimate of $203.9 million. With the consensus EPS estimate being $0.35, the EPS surprise was +11.43%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Simmons First National performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Total non-performing assets: $121.23 million versus the two-analyst average estimate of $108.29 million.
• Efficiency Ratio: 65.7% versus 65.7% estimated by two analysts on average.
• Net Interest Margin: 2.9% versus the two-analyst average estimate of 2.8%.
• Total nonperforming loans: $110.76 million versus $104.87 million estimated by two analysts on average.
• Total interest earning assets (FTE) - Average Balance: $23.73 billion versus the two-analyst average estimate of $23.84 billion.
• Net charge-offs to average loans: 0.3% versus 0.3% estimated by two analysts on average.
• Net Interest Income - FTE: $171.37 million compared to the $166.05 million average estimate based on two analysts.
• Total Non-Interest Income: $43.56 million versus the two-analyst average estimate of $44.35 million.
• Net Interest Income: $164.94 million versus $159.55 million estimated by two analysts on average.

View all Key Company Metrics for Simmons First National here>>>

Shares of Simmons First National have returned +1.3% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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