Simmons First NationalSFNC 51 Net Margin % is 28.77% as of Mar. 2026, which is 8% above its 10-year median of 26.54. 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 1,526 Banks companies, Simmons First National ranks worse than 99.93% on this metric.
The historical rank and industry rank for Simmons First National's Net Margin % or its related term are showing as below:
SFNC'
s Net Margin % Range Over the Past 10 Years
Min: -423.34 Med: 26.54 Max: 35.29
Current: -287.69
SFNC's Net Margin % is ranked worse than 99.93% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs SFNC: -287.69
Simmons First National (NAS:SFNC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Simmons First National Net Margin % Related Terms
Simmons First National Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Simmons First National's Net Margin % distribution charts can be found below:
* The bar in red indicates where Simmons First National's Net 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 Net Margin % of 28.77% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Simmons First National and its competitors. This is near median its historical median of 26.54. According to the industry distribution chart, Simmons First National ranks #1525 out of 1526 companies in the Banks industry, placing it in the top 99.9%.
Is Simmons First National's Net Margin % too high?
Simmons First National's current Net Margin % of 28.77% is near median its 10-year median of 26.54. The Banks industry median Net Margin % is 26.97. Simmons First National's value of 28.77% is 6.7% above this industry median. Based on the distribution chart, Simmons First National ranks #1525 out of 1526 companies in the Banks industry, which is in the bottom quartile 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 Net Margin % compare to TOWN and PRK?
According to the Banks industry distribution chart, Simmons First National ranks #1525 out of 1526 companies for Net Margin %. This places Simmons First National in the lower half of its industry. The industry median Net Margin % is 26.97. Simmons First National's value of 28.77% is 6.7% above this benchmark. While the company's 10-year median is 26.54 vs. the industry median of 26.97, Simmons First National has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Simmons First National's current Net Margin % of 28.77% is 6.7% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Simmons First National and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Simmons First National's current Net Margin % is 28.77%, which is near median its own 10-year median of 26.54. 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 $22.70 — trading 161.5% above its estimated fair value. The current Net Margin % is 28.77%, which is near median its 10-year median of 26.54 and 6.7% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Simmons First National (SFNC), the current Net Margin % is 28.77% 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 $22.70 is trading 161.5% above its estimated GF Value™ of $8.68.
GuruFocus considers Simmons First National to be Significantly Overvalued.
Key valuation signals for SFNC:
Net Margin %: 28.77% (near median its 10-year median of 26.54)
GF Value™: $8.68 vs. price of $22.70 (161.5% above fair value)
Industry Position: 6.7% above the Banks median (#1525 of 1526)
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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