Comparing F.N.B. (NYSE:FNB) & Simmons First National (NASDAQ:SFNC) (2025)

Simmons First National (NASDAQ:SFNC – Get Free Report) and F.N.B. (NYSE:FNB – Get Free Report) are both mid-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, valuation, institutional ownership, earnings, dividends, profitability and analyst recommendations.

Analyst Recommendations

This is a breakdown of recent ratings for Simmons First National and F.N.B., as provided by MarketBeat.

Simmons First National presently has a consensus target price of $22.33, indicating a potential upside of 19.62%. F.N.B. has a consensus target price of $17.75, indicating a potential upside of 32.36%. Given F.N.B.’s stronger consensus rating and higher possible upside, analysts plainly believe F.N.B. is more favorable than Simmons First National.

Profitability

This table compares Simmons First National and F.N.B.’s net margins, return on equity and return on assets.

Insider and Institutional Ownership

27.6% of Simmons First National shares are held by institutional investors. Comparatively, 79.3% of F.N.B. shares are held by institutional investors. 1.9% of Simmons First National shares are held by company insiders. Comparatively, 1.4% of F.N.B. shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Simmons First National and F.N.B.”s top-line revenue, earnings per share and valuation.

F.N.B. has higher revenue and earnings than Simmons First National. F.N.B. is trading at a lower price-to-earnings ratio than Simmons First National, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Simmons First National has a beta of 0.82, meaning that its share price is 18% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 0.86, meaning that its share price is 14% less volatile than the S&P 500.

Dividends

Simmons First National pays an annual dividend of $0.85 per share and has a dividend yield of 4.6%. F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.6%. Simmons First National pays out 73.3% of its earnings in the form of a dividend. F.N.B. pays out 38.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Simmons First National has raised its dividend for 14 consecutive years. Simmons First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

F.N.B. beats Simmons First National on 12 of the 17 factors compared between the two stocks.

About Simmons First National

(Get Free Report)

Simmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investment management products; treasury management; insurance products; and securities and investment services. It also provides ATM services; Internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. The company was founded in 1903 and is headquartered in Pine Bluff, Arkansas.

About F.N.B.

(Get Free Report)

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

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