Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Simmons First National's 3-Year RORE % for the quarter that ended in Mar. 2026 was 150.75%.
The industry rank for Simmons First National's 3-Year RORE % or its related term are showing as below:
SFNC's 3-Year RORE % is ranked better than 97.42% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs SFNC: 150.75
Simmons First National (NAS:SFNC) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Simmons First National 3-Year RORE % Related Terms
Simmons First National 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Simmons First National's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Simmons First National's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Simmons First National (SFNC) has a 3-Year RORE % of 150.75 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Simmons First National and its competitors. According to the industry distribution chart, Simmons First National ranks #38 out of 1475 companies in the Banks industry, placing it in the top 2.6%.
Is Simmons First National's 3-Year RORE % too high?
Simmons First National's current 3-Year RORE % is 150.75. The Banks industry median 3-Year RORE % is 9.92. Simmons First National's value of 150.75 is 1419.7% above this industry median. Based on the distribution chart, Simmons First National ranks #38 out of 1475 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 3-Year RORE % compare to PRK and TOWN?
According to the Banks industry distribution chart, Simmons First National ranks #38 out of 1475 companies for 3-Year RORE %. This places Simmons First National in the top 3% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. Simmons First National's value of 150.75 is 1419.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Simmons First National's current 3-Year RORE % of 150.75 is 1419.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Simmons First National and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Simmons First National's current 3-Year RORE % is 150.75. 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 $10.06, compared to a current price of $22.86 — trading 127.2% above its estimated fair value. The current 3-Year RORE % is 150.75 and 1419.7% above the Banks industry median of 9.92. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Simmons First National (SFNC), the current 3-Year RORE % is 150.75 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 $22.86 is trading 127.2% above its estimated GF Value™ of $10.06.
GuruFocus considers Simmons First National to be Significantly Overvalued.
Key valuation signals for SFNC:
3-Year RORE %: 150.75
GF Value™: $10.06 vs. price of $22.86 (127.2% above fair value)
Industry Position: 1419.7% above the Banks median (#38 of 1475)
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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