Simmons First National vs Park National

Simmons First National Corp and Park National Corp are presented here in a neutral comparison. This page examines each company's business models, financial performance indicators where available, and the market context in which they operate. The goal is to help readers understand similarities and differences without advice or endorsements. Educational content, not financial advice.

Simmons First National Corp and Park National Corp are presented here in a neutral comparison. This page examines each company's business models, financial performance indicators where available, and ...

Comparison Snapshot

Key Financial Metrics

SFNC

Metric

PRK

$2.79B

Market Cap

$2.58B

3.97%

Potential Profit

7.19%

Buy

Analyst Rating

Hold

Investment Analysis

Simmons First National

SFNC

Pros

Improved net interest margin to 3.76% in Q3 2025, demonstrating effective balance sheet and interest rate risk management.
Consistent dividend growth with 13 consecutive years of increases, indicating shareholder return focus.
Mid-cap bank with strong profitability metrics, including a 35.5% net profit margin on $742 million annual revenue.

Considerations

Q3 2025 earnings and revenue missed analyst expectations, causing a share price drop near its 52-week low.
Reported a significant net loss of $562.8 million in Q3 2025 due to balance sheet repositioning and restructuring costs.
Return on equity of about 9.1% is below average, signaling potential inefficiencies in operational and shareholder return performance.

Park National

PRK

Pros

As no specific recent financial data for Park National Corp was found, typical strengths include regional community banking focus and stable local deposit base.
Park National has a longstanding history and strong brand presence in its regional markets, supporting customer loyalty and steady growth.
The company traditionally benefits from diversified lending portfolios and conservative risk management.

Considerations

Limited recent public financial disclosures reduce transparency for investors in 2025, raising due diligence challenges.
May face competitive pressures from larger regional banks and fintech disruptors impacting traditional banking revenue streams.
Exposure to regional economic cycles can increase earnings volatility compared to larger, more diversified national banks.

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.

Park National (PRK)

Park National Corporation is a US-based financial holding company that primarily operates through its subsidiary, the Park National Bank. It focuses on providing a range of financial services, including commercial and consumer banking, as well as wealth management, trust, and investment services. The company has a distinct geographical focus, serving communities in Ohio, North Carolina, and South Carolina, including key metropolitan areas like Columbus and Charlotte. It delivers its services through a network of physical offices and ATMs, alongside digital platforms like online banking and a mobile app. For potential investors, Park National Corp represents a play on regional banking in the American Midwest and Southeast. As with any financial institution, its performance can be influenced by economic conditions, interest rate changes, and the regulatory environment. An investment's value can go down as well as up.

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