Simmons First National vs Provident Financial Services

This page compares Simmons First National and Provident Financial Services, examining business models, financial performance, and market context to help readers understand how each operates and positions itself. The content is designed to be clear, neutral, and accessible for a broad audience. Educational content, not financial advice.

This page compares Simmons First National and Provident Financial Services, examining business models, financial performance, and market context to help readers understand how each operates and positi...

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.

Provident Financial Services (PFS)

Provident Financial Services, Inc. (PFS) is a US-based regional bank holding company that provides commercial and consumer banking services through its subsidiary banks. Investors should know it focuses on community-oriented lending, deposit gathering and relationship banking across a defined geographic footprint. With a market capitalisation of roughly $2.44 billion, PFS is mid-sized among regional banks and may appeal to investors seeking exposure to local lending cycles, interest-rate sensitivity and fee income streams. Key considerations include loan portfolio composition, credit quality and deposit stability, along with regulatory capital ratios and sensitivity to interest-rate movements. The company’s earnings can benefit from rising net interest margins but can also be affected by economic slowdowns and credit stress. This summary is educational and not personal financial advice; investors should research financial statements, recent management commentary and risk factors and consider their risk tolerance before investing.

Comparison Snapshot

Key Financial Metrics

SFNC

Metric

PFS

$2.84B

Market Cap

$2.75B

11.22%

Potential Profit

7.99%

Buy

Analyst Rating

Buy

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

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

Investment Analysis