SFNC (Simmons First National) E10: $1.83 (As of Mar. 2026)


SFNC Simmons First National Corp SFNC
51 GF Score
Price $22.90
GF Value $8.68
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Simmons First National E10?

Simmons First National SFNC +0.88% 51 E10 is $1.83 as of Mar. 2026. GuruFocus rates SFNC with a GF Score™ of 51/100 and a GF Value™ of $8.68 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Simmons First National's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.470. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.83 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Simmons First National's average E10 Growth Rate was -17.60% per year. During the past 3 years, the average E10 Growth Rate was -4.10% per year. During the past 5 years, the average E10 Growth Rate was 4.00% per year. During the past 10 years, the average E10 Growth Rate was 8.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Simmons First National was 13.00% per year. The lowest was -4.10% per year. And the median was 6.45% per year.

As of today (2026-06-25), Simmons First National's current stock price is $22.90. Simmons First National's E10 for the quarter that ended in Mar. 2026 was $1.83. Simmons First National's Shiller PE Ratio of today is 12.51.

During the past 13 years, the highest Shiller PE Ratio of Simmons First National was 31.62. The lowest was 6.58. And the median was 13.58.


Simmons First National  (NAS:SFNC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Simmons First National's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=22.90/1.83
=12.51

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Simmons First National was 31.62. The lowest was 6.58. And the median was 13.58.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Simmons First National E10 Related Terms


Simmons First National E10 Historical Data

* Premium members only.

The historical data trend for Simmons First National's E10 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.

Simmons First National E10 Chart

Simmons First National Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.82 2.04 2.15 2.19 1.80

Simmons First National Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.22 2.24 1.81 1.80 1.83

SFNC vs TOWN, PRK, BOH: E10 Comparison

For the Banks - Regional subindustry, Simmons First National's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Simmons First National's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Simmons First National's Shiller PE Ratio falls into.


SFNC
51GF Score
Simmons First National Corp SFNC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Simmons First National E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Simmons First National's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.47/330.2130*330.2130
=0.470

Current CPI (Mar. 2026) = 330.2130.

Simmons First National Quarterly Data

per share eps CPI Adj_EPS
201606 0.375 241.018 0.514
201609 0.380 241.428 0.520
201612 0.425 241.432 0.581
201703 0.350 243.801 0.474
201706 0.360 244.955 0.485
201709 0.440 246.819 0.589
201712 0.215 246.524 0.288
201803 0.550 249.554 0.728
201806 0.580 251.989 0.760
201809 0.590 252.439 0.772
201812 0.600 251.233 0.789
201903 0.510 254.202 0.662
201906 0.580 256.143 0.748
201909 0.840 256.759 1.080
201912 0.490 256.974 0.630
202003 0.680 258.115 0.870
202006 0.540 257.797 0.692
202009 0.600 260.280 0.761
202012 0.490 260.474 0.621
202103 0.620 264.877 0.773
202106 0.690 271.696 0.839
202109 0.740 274.310 0.891
202112 0.420 278.802 0.497
202203 0.580 287.504 0.666
202206 0.210 296.311 0.234
202209 0.630 296.808 0.701
202212 0.650 296.797 0.723
202303 0.360 301.836 0.394
202306 0.460 305.109 0.498
202309 0.370 307.789 0.397
202312 0.190 306.746 0.205
202403 0.310 312.332 0.328
202406 0.320 314.175 0.336
202409 0.200 315.301 0.209
202412 0.380 315.605 0.398
202503 0.260 319.799 0.268
202506 0.430 322.561 0.440
202509 -4.010 324.800 -4.077
202512 0.540 324.054 0.550
202603 0.470 330.213 0.470

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.83 mean?
Simmons First National (SFNC) has a E10 of $1.83 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Simmons First National and its competitors.
Is Simmons First National's E10 too high?
Simmons First National's current E10 is $1.83. Overall, Simmons First National has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Simmons First National's E10 compare to TOWN and PRK?
Simmons First National's E10 of $1.83 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Simmons First National and its competitors. Simmons First National's current E10 is $1.83. 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 $8.68, compared to a current price of $22.90 — trading 163.8% above its estimated fair value. The current E10 is $1.83. Simmons First National's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Simmons First National (SFNC), the current E10 is $1.83 as of Mar. 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 $22.90 is trading 163.8% above its estimated GF Value™ of $8.68. GuruFocus considers Simmons First National to be Significantly Overvalued.

Key valuation signals for SFNC:

  • E10: $1.83
  • GF Value™: $8.68 vs. price of $22.90 (163.8% above fair value)
  • GF Score™: 51/100 with 6 warning signs

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 Business Description

Address 501 Main Street, Pine Bluff, AR, USA, 71601
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.
51GF Score

Get the complete analysis for SFNC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.90
Price
$8.68
GF Value