SFNC (Simmons First National) Moat Score: 4/10 (As of Jul. 02, 2026)


SFNC Simmons First National Corp SFNC
51 GF Score
Price $23.08
GF Value $9.37
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Simmons First National Moat Score?

Simmons First National SFNC -0.60% 51 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates SFNC with a GF Score™ of 51/100 and a GF Value™ of $9.37 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,612 Banks companies, Simmons First National ranks better than 86.23% on this metric.

Simmons First National has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Simmons First National has Narrow Moat: Simmons First National benefits from regional market presence and customer relationships, but lacks the scale and network effects of larger national banks, limiting its competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Simmons First National might have Narrow Moat - Discernible but modest moat.

Simmons First National  (NAS:SFNC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Simmons First National Moat Score Related Terms

SFNC vs PRK, TOWN, SBCF: Moat Score Comparison

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

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

* The bar in red indicates where Simmons First National's Moat Score falls into.


SFNC
51GF Score
Simmons First National Corp SFNC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Simmons First National (SFNC) has a Moat Score of 4 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Simmons First National ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Simmons First National's Moat Score too high?
Simmons First National's current Moat Score is 4. Based on the distribution chart, Simmons First National ranks #222 out of 1612 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 Moat Score compare to PRK and TOWN?
According to the Banks industry distribution chart, Simmons First National ranks #222 out of 1612 companies for Moat Score. This places Simmons First National in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Simmons First National's current Moat Score is 4. 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 $9.37, compared to a current price of $23.08 — trading 146.3% above its estimated fair value. The current Moat Score is 4. Simmons First National's overall GF Score™ is 51/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Simmons First National (SFNC), the current Moat Score is 4 as of Jul. 02, 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 $23.08 is trading 146.3% above its estimated GF Value™ of $9.37. GuruFocus considers Simmons First National to be Significantly Overvalued.

Key valuation signals for SFNC:

  • Moat Score: 4
  • GF Value™: $9.37 vs. price of $23.08 (146.3% above fair value)
  • GF Score™: 51/100 with 7 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

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

$23.08
Price
$9.37
GF Value