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FFIN vs SFNC
Which Stock Would AI Choose? First Financial Bankshares, Inc. (FFIN) vs. Simmons First National Corporation (SFNC) Stock Comparison
Key Takeaways
- Both FFIN and SFNC delivered solid Q1 2026 earnings, with FFIN reporting 16.6% net income growth and SFNC achieving strong loan expansion.
- SFNC outperforms in recent momentum, with YTD gains of 16.23% compared to FFIN's 9.98%.
- SFNC offers a higher dividend yield at 3.97% versus FFIN's 2.33%.
- FFIN demonstrates superior profitability, with a 42.40% profit margin and positive ROE (return on equity) of 14.56%.
- Recent quarterly revenue growth favors SFNC at 24.10% over FFIN's 13.10%.
Introduction
This stock comparison examines FFIN and SFNC, two regional bank holding companies navigating the current interest rate environment and economic shifts. Investors seeking exposure to the financial sector, particularly those interested in dividend income, growth potential, or relative performance among community-focused banks, will find value here. By analyzing recent earnings, momentum, and key metrics, traders can gauge positioning in a market favoring stable profitability amid fluctuating net interest income (NII).
FFIN Overview and Recent Performance
First Financial Bankshares, Inc. (FFIN) operates as a Texas-based bank holding company, providing commercial banking services through its subsidiaries across the southwestern U.S. In recent market activity, the stock has traded around $32.64, with a market capitalization of approximately $4.68 billion. Year-to-date gains stand at 9.98%, reflecting steady appreciation within its 52-week range of $28.12 to $38.74. Q1 2026 results highlighted a 16.6% rise in net income to $71.54 million, driven by NII growth to $134.79 million, bolstering positive sentiment amid controlled non-performing assets and efficient operations. High profit margins of 42.40% and ROE of 14.56% underscore its resilient business model, though shares remain sensitive to broader regional banking pressures.
SFNC Overview and Recent Performance
Simmons First National Corporation (SFNC) functions as a bank holding company for Simmons Bank, offering retail and commercial banking products across multiple states, primarily in the South and Midwest. The stock recently hovered near $21.66, with a market cap of $3.12 billion. It has shown robust momentum, up 16.23% year-to-date and 30.17% over the past year, trading between $17.00 and $22.18 over 52 weeks. Recent quarters featured Q1 2026 net income of $68.5 million and diluted EPS of $0.47, supported by loan growth and deposit strategies, despite a slight revenue miss. Emphasis on operating leverage and projected NII expansion of 9%-11% for 2026 has fueled optimistic market positioning, complemented by a trailing P/E of 13.73.
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Head-to-Head Comparison
Both FFIN and SFNC operate similar regional banking models focused on deposits, loans, and fee income, but differ in scale and growth drivers. FFIN emphasizes Texas markets with superior margins (42.40% vs. 0%) and ROE (14.56% vs. -10.37%), indicating lower risk and higher efficiency. SFNC counters with faster revenue growth (24.10% quarterly) and broader geographic exposure, driving stronger momentum but exposing it to deposit competition. Dividend seekers prefer SFNC's 3.97% yield over FFIN's 2.33%, while FFIN's lower beta (0.83) suggests reduced volatility. Sentiment tilts toward SFNC on recent catalysts like loan expansion, contrasting FFIN's stability trade-off.
Tickeron AI Verdict
Tickeron’s AI models would likely favor SFNC in the current environment, given its superior recent momentum, higher dividend yield, and robust revenue acceleration amid positive loan trends. While FFIN offers greater profitability stability, SFNC's relative outperformance and income appeal provide a probabilistic edge for trend-following strategies.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FFIN is a Hold and SFNC is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FFIN’s FA Score shows that 0 FA rating(s) are green whileSFNC’s FA Score has 0 green FA rating(s).
- FFIN’s FA Score: 0 green, 5 red.
- SFNC’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FFIN’s TA Score shows that 5 TA indicator(s) are bullish while SFNC’s TA Score has 4 bullish TA indicator(s).
- FFIN’s TA Score: 5 bullish, 4 bearish.
- SFNC’s TA Score: 4 bullish, 4 bearish.
Price Growth
FFIN (@Regional Banks) experienced а -0.72% price change this week, while SFNC (@Regional Banks) price change was +0.82% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FFIN is expected to report earnings on Jul 16, 2026.
SFNC is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FFIN | SFNC | FFIN / SFNC | |
| Capitalization | 4.8B | 3.26B | 147% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 12.305 | 20.167 | 61% |
| P/E Ratio | 17.98 | 13.73 | 131% |
| Revenue | 635M | 126M | 504% |
| Total Cash | 265M | 343M | 77% |
| Total Debt | 21.1M | 762M | 3% |
FFIN | SFNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 31 | 41 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 87 Overvalued | 90 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 34 | 71 | |
PRICE GROWTH RATING 1..100 | 50 | 46 | |
P/E GROWTH RATING 1..100 | 70 | 84 | |
SEASONALITY SCORE 1..100 | 85 | 20 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FFIN's Valuation (87) in the Regional Banks industry is in the same range as SFNC (90) in the Major Banks industry. This means that FFIN’s stock grew similarly to SFNC’s over the last 12 months.
FFIN's Profit vs Risk Rating (100) in the Regional Banks industry is in the same range as SFNC (100) in the Major Banks industry. This means that FFIN’s stock grew similarly to SFNC’s over the last 12 months.
FFIN's SMR Rating (34) in the Regional Banks industry is somewhat better than the same rating for SFNC (71) in the Major Banks industry. This means that FFIN’s stock grew somewhat faster than SFNC’s over the last 12 months.
SFNC's Price Growth Rating (46) in the Major Banks industry is in the same range as FFIN (50) in the Regional Banks industry. This means that SFNC’s stock grew similarly to FFIN’s over the last 12 months.
FFIN's P/E Growth Rating (70) in the Regional Banks industry is in the same range as SFNC (84) in the Major Banks industry. This means that FFIN’s stock grew similarly to SFNC’s over the last 12 months.
| FFIN | SFNC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 72% | 2 days ago 76% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 68% |
| Momentum ODDS (%) | 2 days ago 51% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 58% | 2 days ago 60% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 56% |
| Advances ODDS (%) | 2 days ago 58% | 2 days ago 60% |
| Declines ODDS (%) | 23 days ago 65% | 23 days ago 70% |
| BollingerBands ODDS (%) | 2 days ago 74% | 2 days ago 71% |
| Aroon ODDS (%) | 2 days ago 46% | 2 days ago 51% |
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FFIN and
Correlation & Price change
A.I.dvisor indicates that over the last year, FFIN has been closely correlated with UBSI. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if FFIN jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To FFIN | 1D Price Change % | ||
|---|---|---|---|---|
| FFIN | 100% | +1.01% | ||
| UBSI - FFIN | 85% Closely correlated | +1.17% | ||
| UCB - FFIN | 84% Closely correlated | +1.61% | ||
| SFNC - FFIN | 84% Closely correlated | +1.28% | ||
| HWC - FFIN | 84% Closely correlated | +0.78% | ||
| TRMK - FFIN | 83% Closely correlated | +0.90% | ||
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SFNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, SFNC has been closely correlated with UCB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if SFNC jumps, then UCB could also see price increases.
| Ticker / NAME | Correlation To SFNC | 1D Price Change % | ||
|---|---|---|---|---|
| SFNC | 100% | +1.28% | ||
| UCB - SFNC | 88% Closely correlated | +1.61% | ||
| UBSI - SFNC | 86% Closely correlated | +1.17% | ||
| FNB - SFNC | 85% Closely correlated | +0.71% | ||
| AUB - SFNC | 85% Closely correlated | +1.17% | ||
| CATY - SFNC | 85% Closely correlated | +1.42% | ||
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