Simmons First NationalSFNC +0.35%51 FCF Margin % is 14.29% as of Mar. 2026, which is 51% below its 10-year median of 29.42. 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. Among 1,504 Banks companies, Simmons First National ranks better than 97.34% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Simmons First National's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Simmons First National's FCF Margin % 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 FCF Margin % of 14.29% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Simmons First National and its competitors. This is 51% below median its historical median of 29.42. Over the past decade, Simmons First National's FCF Margin % has ranged from 16.69 to 438.04. According to the industry distribution chart, Simmons First National ranks #40 out of 1504 companies in the Banks industry, placing it in the top 2.7%.
Is Simmons First National's FCF Margin % too high?
Simmons First National's current FCF Margin % of 14.29% is 51% below median its 10-year median of 29.42. Over the past 10 years, this metric has ranged from a low of 16.69 to a high of 438.04. The Banks industry median FCF Margin % is 26.50. Simmons First National's value of 14.29% is 46.1% below this industry median. Based on the distribution chart, Simmons First National ranks #40 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to TOWN and PRK?
According to the Banks industry distribution chart, Simmons First National ranks #40 out of 1504 companies for FCF Margin %. This places Simmons First National in the top 3% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Simmons First National's value of 14.29% is 46.1% below this benchmark. Historically, Simmons First National's own FCF Margin % has ranged from 16.69 to 438.04 over the past decade. While the company's 10-year median is 29.42 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Simmons First National's current FCF Margin % of 14.29% is 46.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Simmons First National and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Simmons First National's current FCF Margin % is 14.29%, which is 51% below median its own 10-year median of 29.42. 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 $22.78 — trading 162.4% above its estimated fair value. The current FCF Margin % is 14.29%, which is 51% below median its 10-year median of 29.42 and 46.1% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Simmons First National (SFNC), the current FCF Margin % is 14.29% 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 $22.78 is trading 162.4% above its estimated GF Value™ of $8.68.
GuruFocus considers Simmons First National to be Significantly Overvalued.
Key valuation signals for SFNC:
FCF Margin %: 14.29% (51% below median its 10-year median of 29.42)
GF Value™: $8.68 vs. price of $22.78 (162.4% above fair value)
Industry Position: 46.1% below the Banks median (#40 of 1504)
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.
51GF Score
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