Countdown to Simmons First National (SFNC) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS

Core Viewpoint - Analysts project that Simmons First National (SFNC) will report quarterly earnings of $0.49 per share, reflecting a year-over-year increase of 25.6% and revenues of $238.81 million, up 14.5% from the same quarter last year [1]. Earnings Estimates - The consensus EPS estimate has remained unchanged over the last 30 days, indicating that analysts have reassessed their initial estimates during this period [1][2]. Key Financial Metrics - Analysts estimate 'Total interest earning assets (FTE) - Average Balance' at $21.03 billion, down from $23.73 billion reported in the same quarter last year [4]. - The 'Efficiency Ratio' is projected to reach 57.9%, a decrease from 65.7% in the same quarter last year [4]. Nonperforming Loans and Assets - 'Total nonperforming loans' are expected to be $148.29 million, compared to $110.76 million reported in the same quarter last year [5]. - 'Total nonperforming assets' are forecasted to reach $155.24 million, up from $121.23 million in the same quarter last year [5]. Income Projections - 'Net Interest Income - FTE' is projected at $195.17 million, an increase from $171.37 million reported in the same quarter last year [6]. - 'Total Non-Interest Income' is expected to be $45.42 million, compared to $43.56 million in the same quarter last year [6]. Specific Revenue Streams - 'Wealth management fees' are estimated at $10.10 million, up from $8.83 million in the same quarter last year [7]. - 'Service charges on deposit accounts' are projected to reach $13.19 million, compared to $12.98 million reported in the same quarter last year [7]. - 'Debit and credit card fees' are expected to be $8.57 million, slightly up from $8.32 million in the same quarter last year [8]. - 'Net Interest Income' is anticipated to be $193.00 million, compared to $164.94 million in the same quarter last year [8]. Stock Performance - Shares of Simmons First National have shown a return of -4.2% over the past month, contrasting with the Zacks S&P 500 composite's +2.1% change [8].