Filing Flows › Comparisons › SFNC vs CBU
Simmons First National vs Community Financial System: SFNC and CBU compared
Simmons First National is the larger company: $251M of revenue in its latest quarter (Q3 2026) against $227M for Community Financial System (Q3 2026). Community Financial System is more profitable, with an operating margin of 35.5% against 22.7%.
Where the money goes: SFNC and CBU
Simmons First National (SFNC) · Q3 2026
Simmons First National, Q3 2026: revenue $251M, operating margin 22.7%, net earnings $47.1M, operating cash flow $43.5M. The chart follows the revenue to costs, profit and cash.
Community Financial System (CBU) · Q3 2026
Community Financial System, Q3 2026: revenue $227M (+10% year over year), operating margin 35.5%, net earnings $61.3M, operating cash flow $110M. The chart follows the revenue to costs, profit and cash.
| Simmons First National (SFNC) | Community Financial System (CBU) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $251M | $227M |
| Revenue growth, Y/Y | — | +10% |
| Operating margin | 22.7% | 35.5% |
| Net earnings | $47.1M | $61.3M |
| Net margin | 18.8% | 27.0% |
| Operating cash flow | $43.5M | $110M |
| Free cash flow | — | $106M |
| Market value | $3.2B | $3.1B |
| P/E | 13.8× | 13.6× |
| Analysts’ mean target | $26.07 | $69.00 |
Where the revenue comes from
Simmons First National
- Net interest income: $204M (81%)
- Noninterest income: $47.2M (19%)
Questions
Which is bigger, Simmons First National or Community Financial System?
Simmons First National is the larger company: $251M of revenue in its latest quarter (Q3 2026) against $227M for Community Financial System (Q3 2026).
Is Simmons First National or Community Financial System growing faster?
Community Financial System is more profitable, with an operating margin of 35.5% against 22.7%.
More: Simmons First National earnings · how Simmons First National makes money · Community Financial System earnings · how Community Financial System makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.