Simmons First NationalSFNC +0.46%51 Return-on-Tangible-Equity is 13.54% as of Mar. 2026, which is 1% above its 10-year median of 13.41. GuruFocus rates SFNC with a GF Score™ of 51/100 and a GF Value™ of $9.64 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Simmons First National ranks worse than 98.82% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Simmons First National's annualized net income for the quarter that ended in Mar. 2026 was $274.2 Mil. Simmons First National's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $2,024.8 Mil. Therefore, Simmons First National's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.54%.
The historical rank and industry rank for Simmons First National's Return-on-Tangible-Equity or its related term are showing as below:
SFNC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -19.28 Med: 13.41 Max: 17.64
Current: -17.63
During the past 13 years, Simmons First National's highest Return-on-Tangible-Equity was 17.64%. The lowest was -19.28%. And the median was 13.41%.
SFNC's Return-on-Tangible-Equity is ranked worse than 98.82% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs SFNC: -17.63
Simmons First National (NAS:SFNC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Simmons First National Return-on-Tangible-Equity Related Terms
Simmons First National Return-on-Tangible-Equity Historical Data
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The historical data trend for Simmons First National's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
SFNC vs PRK, TOWN, SBCF: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Simmons First National's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Simmons First National's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Simmons First National's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.54% mean?
Simmons First National (SFNC) has a Return-on-Tangible-Equity of 13.54% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Simmons First National and its competitors. This is near median its historical median of 13.41. According to the industry distribution chart, Simmons First National ranks #1505 out of 1523 companies in the Banks industry, placing it in the top 98.8%.
Is Simmons First National's Return-on-Tangible-Equity too high?
Simmons First National's current Return-on-Tangible-Equity of 13.54% is near median its 10-year median of 13.41. The Banks industry median Return-on-Tangible-Equity is 11.19. Simmons First National's value of 13.54% is 21% above this industry median. Based on the distribution chart, Simmons First National ranks #1505 out of 1523 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 Return-on-Tangible-Equity compare to PRK and TOWN?
According to the Banks industry distribution chart, Simmons First National ranks #1505 out of 1523 companies for Return-on-Tangible-Equity. This places Simmons First National in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Simmons First National's value of 13.54% is 21% above this benchmark. While the company's 10-year median is 13.41 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Simmons First National's current Return-on-Tangible-Equity of 13.54% is 21% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Simmons First National and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Simmons First National's current Return-on-Tangible-Equity is 13.54%, which is near median its own 10-year median of 13.41. 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 $9.64, compared to a current price of $22.88 — trading 137.3% above its estimated fair value. The current Return-on-Tangible-Equity is 13.54%, which is near median its 10-year median of 13.41 and 21% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Simmons First National (SFNC), the current Return-on-Tangible-Equity is 13.54% 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 $22.88 is trading 137.3% above its estimated GF Value™ of $9.64.
GuruFocus considers Simmons First National to be Significantly Overvalued.
Key valuation signals for SFNC:
Return-on-Tangible-Equity: 13.54% (near median its 10-year median of 13.41)
GF Value™: $9.64 vs. price of $22.88 (137.3% above fair value)
Industry Position: 21% above the Banks median (#1505 of 1523)
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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