Simmons First National vs Banc of California

This page compares Simmons First National Corp and Banc of California, Inc., examining their business models, financial performance, and market context in a neutral, accessible way. It outlines how each organisation operates, the scope of their activities, and the environment they navigate, without bias. Educational content, not financial advice.

This page compares Simmons First National Corp and Banc of California, Inc., examining their business models, financial performance, and market context in a neutral, accessible way. It outlines how ea...

Comparison Snapshot

Key Financial Metrics

SFNC

Metric

BANC

$2.79B

Market Cap

$3.06B

3.97%

Potential Profit

4.48%

Buy

Analyst Rating

Buy

Investment Analysis

Simmons First National

SFNC

Pros

Reported strong net income growth in Q2 2025 with adjusted earnings per share up to $0.44, indicating operational improvement.
Successfully raised $327 million in equity capital in Q3 2025 to strengthen the balance sheet and support future growth initiatives.
Operates a broad regional presence with over 220 branches across Southern and Midwestern states, supporting diversified revenue streams.

Considerations

Q3 2025 results were impacted by a significant one-time $801.5 million pre-tax loss on bond portfolio sale, leading to negative adjusted earnings per share.
Shares have declined over 24% in the past year reflecting challenges including earnings misses and sector headwinds in 2025.
Return on equity (ROE) at about 4.53% is below its historical 10-year average of 7.15%, indicating weaker profitability relative to past performance.

Banc of California

BANC

Pros

Banc of California benefits from exposure to California’s strong economic fundamentals and a growing population supporting loan demand.
Maintains a focus on commercial and small business lending, which can provide stable interest income streams amid economic fluctuations.
Has demonstrated improving asset quality with recent trends showing lower non-performing loans and provisions.

Considerations

Relatively smaller market capitalization and branch network compared to larger regional banks may limit scale advantages.
Exposed to cyclical risks in California markets including real estate and small business sectors, which can be sensitive to economic downturns.
Face pressure on net interest margin and loan growth from current interest rate environment and competition in regional banking.

About The Companies

Simmons First National (SFNC)

Simmons First National Corp (SFNC) is a US regional bank headquartered in Arkansas that provides commercial and consumer banking, mortgage lending and wealth-management services through a network of branches and digital channels. With a market capitalisation of about $2.6 billion, the company leans on interest income, fee-based services and local commercial relationships. Investors should watch its net interest margin sensitivity to prevailing interest rates, loan portfolio quality and regional economic trends that affect credit demand and deposit flows. Growth can come from carefully executed acquisitions, branch optimisation and expanding digital services, but regional banks also carry concentration and cyclical risks. Management track record, capital ratios and regulatory environment matter when assessing resilience. This is general educational information, not personal financial advice; bank stocks can be volatile and past performance is not a reliable indicator of future returns. Consider your risk tolerance and seek personalised advice if needed.

Banc of California (BANC)

Banc of California, Inc. is the bank holding company for its primary subsidiary, Banc of California. This California state-chartered bank provides a wide array of loan and deposit products to a diverse client base. With 80 full-service branches across California, Colorado, and North Carolina, plus national regional offices, it has a significant physical presence. Beyond traditional banking, the company has expanded into modern financial services, offering full-stack payment processing solutions via its subsidiary, Deepstack Technologies. The bank’s operations are structured into four main groups: Community Banking, Specialty Banking, Deposit Services, and Payment Solutions. Its Specialty Banking division is particularly interesting, as it focuses on niche sectors such as venture banking, media and entertainment financing, and SBA lending. This diversified approach allows it to serve both general community needs and specialised industry clients, creating multiple avenues for potential growth.

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

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Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

Explore Basket

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Comparison Snapshot