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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Simmons First National's retained earnings for the quarter that ended in Mar. 2026 was $901.7 Mil.
Simmons First National's quarterly retained earnings
increased
from Sep. 2025 ($817.0 Mil) to Dec. 2025 ($864.3 Mil) and
increased
from Dec. 2025 ($864.3 Mil) to Mar. 2026 ($901.7 Mil).
Simmons First National's annual retained earnings
increased
from Dec. 2023 ($1,329.7 Mil) to Dec. 2024 ($1,376.9 Mil) but then
declined
from Dec. 2024 ($1,376.9 Mil) to Dec. 2025 ($864.3 Mil).
Simmons First National (NAS:SFNC) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Simmons First National Retained Earnings Historical Data
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The historical data trend for Simmons First National's Retained Earnings 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 Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Simmons First National (SFNC) has a Retained Earnings of $901.7 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Simmons First National and its competitors.
Is Simmons First National's Retained Earnings too high?
Simmons First National's current Retained Earnings is $901.7 Mil. Overall, Simmons First National has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Simmons First National's Retained Earnings compare to PRK and TOWN?
Simmons First National's Retained Earnings of $901.7 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Simmons First National and its competitors. Simmons First National's current Retained Earnings is $901.7 Mil. 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 $10.73, compared to a current price of $23.18 — trading 116% above its estimated fair value. The current Retained Earnings is $901.7 Mil. Simmons First National's overall GF Score™ is 49/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Simmons First National (SFNC), the current Retained Earnings is $901.7 Mil 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 $23.18 is trading 116% above its estimated GF Value™ of $10.73.
GuruFocus considers Simmons First National to be Significantly Overvalued.
Key valuation signals for SFNC:
Retained Earnings: $901.7 Mil
GF Value™: $10.73 vs. price of $23.18 (116% above fair value)
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.
49GF Score
Get the complete analysis for SFNC
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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