SFNC (Simmons First National) Scaled Net Operating Assets: 0.06 (As of Mar. 2026)


SFNC Simmons First National Corp SFNC
51 GF Score
Price $22.72
GF Value $8.68
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Simmons First National Scaled Net Operating Assets?

Simmons First National SFNC -0.92% 51 Scaled Net Operating Assets is 0.06 as of Mar. 2026. GuruFocus rates SFNC with a GF Score™ of 51/100 and a GF Value™ of $8.68 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Simmons First National's operating assets for the quarter that ended in Mar. 2026 was $22,006.3 Mil. Simmons First National's operating liabilities for the quarter that ended in Mar. 2026 was $20,492.6 Mil. Simmons First National's Total Assets for the quarter that ended in Dec. 2025 was $24,540.9 Mil. Therefore, Simmons First National's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.06.

SFNC
51GF Score
Simmons First National Corp SFNC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Simmons First National Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Simmons First National's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(23828.864-20501.67)/26876.049
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=24540.877 - 712.013
=23828.864

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=21121.637 - 619.967 - 0
=20501.67

Simmons First National's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(22006.325-20492.593)/24540.877
=0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=24692.783 - 2686.458
=22006.325

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=21255.049 - 762.456 - 0
=20492.593

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
Simmons First National (SFNC) has a Scaled Net Operating Assets of 0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Simmons First National and its competitors.
Is Simmons First National's Scaled Net Operating Assets too high?
Simmons First National's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to PRK and TOWN?
Simmons First National's Scaled Net Operating Assets of 0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Simmons First National and its competitors. Simmons First National's current Scaled Net Operating Assets is 0.06. 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 $22.72 — trading 161.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Simmons First National (SFNC), the current Scaled Net Operating Assets is 0.06 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 $22.72 is trading 161.8% above its estimated GF Value™ of $8.68. GuruFocus considers Simmons First National to be Significantly Overvalued.

Key valuation signals for SFNC:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: $8.68 vs. price of $22.72 (161.8% 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

Get the complete analysis for SFNC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.72
Price
$8.68
GF Value