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Simmons First NationalSFNC -0.56%47 Debt-to-Equity is 0.36 as of Jun. 2026, which is 29% below its 10-year median of 0.51. GuruFocus rates SFNC with a GF Score™ of 47/100 and a GF Value™ of $8.32 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,421 Banks companies, Simmons First National ranks better than 63.9% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Simmons First National's Debt-to-Equity or its related term are showing as below:
SFNC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18 Med: 0.51 Max: 0.87
Current: 0.36
During the past 13 years, the highest Debt-to-Equity Ratio of Simmons First National was 0.87. The lowest was 0.18. And the median was 0.51.
SFNC's Debt-to-Equity is ranked better than 63.9% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs SFNC: 0.36
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Simmons First National Debt-to-Equity Related Terms
Simmons First National Debt-to-Equity Historical Data
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The historical data trend for Simmons First National's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Simmons First National's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Simmons First National Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Simmons First National's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Simmons First National's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Simmons First National (SFNC) has a Debt-to-Equity of 0.36 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Simmons First National and its competitors. This is 29% below median its historical median of 0.51. Over the past decade, Simmons First National's Debt-to-Equity has ranged from 0.18 to 0.87. According to the industry distribution chart, Simmons First National ranks #513 out of 1421 companies in the Banks industry, placing it in the top 36.1%.
Is Simmons First National's Debt-to-Equity too high?
Simmons First National's current Debt-to-Equity of 0.36 is 29% below median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.87. The Banks industry median Debt-to-Equity is 0.58. Simmons First National's value of 0.36 is 37.9% below this industry median. Based on the distribution chart, Simmons First National ranks #513 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Simmons First National has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Simmons First National's Debt-to-Equity compare to TOWN and BOH?
According to the Banks industry distribution chart, Simmons First National ranks #513 out of 1421 companies for Debt-to-Equity. This puts Simmons First National in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Simmons First National's value of 0.36 is 37.9% below this benchmark. Historically, Simmons First National's own Debt-to-Equity has ranged from 0.18 to 0.87 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 0.58, Simmons First National has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Simmons First National's current Debt-to-Equity of 0.36 is 37.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Simmons First National and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Simmons First National's current Debt-to-Equity is 0.36, which is 29% below median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Simmons First National stock overvalued right now?
Based on GuruFocus' analysis, Simmons First National (SFNC) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.32, compared to a current price of $23.94 — trading 187.7% above its estimated fair value. The current Debt-to-Equity is 0.36, which is 29% below median its 10-year median of 0.51 and 37.9% below the Banks industry median of 0.58. Simmons First National's overall GF Score™ is 47/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Simmons First National (SFNC), the current Debt-to-Equity is 0.36 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Simmons First National (SFNC) Overvalued in 2026?
Based on GuruFocus' analysis, Simmons First National stock appears to be overvalued.
The current stock price of $23.94 is trading 187.7% above its estimated GF Value™ of $8.32.
GuruFocus considers Simmons First National to be Significantly Overvalued.
Key valuation signals for SFNC:
Debt-to-Equity: 0.36 (29% below median its 10-year median of 0.51)
GF Value™: $8.32 vs. price of $23.94 (187.7% above fair value)
Industry Position: 37.9% below the Banks median (#513 of 1421)
No single metric tells the full story. See the SFNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Simmons First National Corp is a financial holding company. The company through its subsidiaries is engaged in providing banking services including consumer, real estate and commercial loans, checking, savings and time deposits. Its loan portfolio comprises construction, single-family residential and commercial loans; non-real estate loans, nonaccrual and past due loans; and credit card loans, student loans and other consumer loans. It also offers various products and services such as trust services, investments, agricultural finance lending, equipment lending, insurance, consumer finance and small business administration lending. The business activity of the firm is functioned through the region of the United States.
47GF Score
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