SNFCA
Security National Financial Corporation
Price Chart
Latest Quote
$9.56
+0.10 (+1.06%)
Current Price
| Previous Close | $9.46 |
| Open | $9.45 |
| Day High | $9.66 |
| Day Low | $9.40 |
| Volume | 72,628 |
Stock Information
| Shares Outstanding | 22.45M |
| Total Debt | $108.85M |
| Cash Equivalents | $154.40M |
| Revenue | $341.58M |
| Net Income | $32.74M |
| Sector | Financial Services |
| Industry | Insurance - Life |
| Market Cap | $248.92M |
| P/E Ratio | 7.47 |
| EPS (TTM) | $1.28 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $190.09M |
| Sales | $341.58M |
| Income | $32.74M |
| Book/sh | $17.17 |
| Cash/sh | $6.88 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 0.94 |
| Current Ratio | 1.98 |
| Debt/Eq | 25.58 |
| EPS Growth TTM | 9.20% |
Returns & Margins
| ROA | 1.88% |
| ROE | 8.48% |
| Gross Margin | 50.62% |
| Operating Margin | 12.60% |
| Profit Margin | 9.59% |
Ownership
| Insider Ownership | 25.46% |
| Institutional Ownership | 42.72% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 0.73 |
| P/B | 0.56 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $9.47 |
| SMA50 | $9.60 |
| SMA200 | $8.96 |
| RSI | 46.85 |
| ATR | 0.3064 |
| Shares Float | 13.45M |
| Short Float | 1.12% |
| Short Ratio | 7.33 |
| Volatility | 0.70 |
| Rel Volume | 2.24 |
Performance History
| Week | +0.84% |
| Month | +2.36% |
| Quarter | +2.36% |
| 6 Months | +1.81% |
| YTD | +10.14% |
| Year | +4.89% |
| 3 Years | +27.65% |
| 5 Years | +51.57% |
| 10 Years | +183.20% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $9.56 | 73,500 |
| 2026-06-17 | $9.46 | 35,800 |
| 2026-06-16 | $9.51 | 24,900 |
| 2026-06-15 | $9.51 | 29,100 |
| 2026-06-12 | $9.58 | 23,800 |
| 2026-06-11 | $9.48 | 26,900 |
| 2026-06-10 | $9.64 | 28,400 |
| 2026-06-09 | $9.54 | 32,700 |
| 2026-06-08 | $9.30 | 73,400 |
| 2026-06-05 | $9.64 | 31,500 |
| 2026-06-04 | $9.41 | 22,500 |
| 2026-06-03 | $9.23 | 34,800 |
| 2026-06-02 | $9.55 | 25,200 |
| 2026-06-01 | $9.46 | 24,000 |
| 2026-05-29 | $9.70 | 32,100 |
| 2026-05-28 | $9.45 | 24,300 |
| 2026-05-27 | $9.32 | 26,800 |
| 2026-05-26 | $9.37 | 28,100 |
| 2026-05-22 | $9.35 | 33,100 |
| 2026-05-21 | $9.42 | 24,000 |
| 2026-05-20 | $9.42 | 24,200 |
| 2026-05-19 | $9.34 | 19,800 |
About Security National Financial Corporation
Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its cemetery and mortuary segment consists of eleven mortuaries and five cemeteries in the state of Utah, one cemetery in the state of California, and one cemetery and four mortuaries in the state of New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly to consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
đ° Latest News
Security National Financial Corp (SNFCA) Q1 2026 Earnings Call Highlights: Navigating ...
GuruFocus.com âĸ 2026-05-20T01:01:05ZSecurity National Financial: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-03-16T18:13:36ZOwning 37% shares,institutional owners seem interested in Security National Financial Corporation (NASDAQ:SNFC.A),
Simply Wall St. âĸ 2025-12-04T13:46:09Z
Security National Financial Corp (SNFCA) Q3 2025 Earnings Call Highlights: Navigating Growth ...
GuruFocus.com âĸ 2025-11-20T01:06:25Z
Security National Financial: Q3 Earnings Snapshot
Associated Press Finance âĸ 2025-11-13T19:09:36ZSecurity National Financial (NASDAQ:SNFC.A) shareholders have earned a 12% CAGR over the last five years
Simply Wall St. âĸ 2025-09-26T10:41:36Z
Security National Financial Second Quarter 2025 Earnings: EPS: US$0.26 (vs US$0.30 in 2Q 2024)
Simply Wall St. âĸ 2025-08-16T12:03:12Z
Security National Financial: Q2 Earnings Snapshot
Associated Press Finance âĸ 2025-08-14T15:33:52ZInstitutional investors own a significant stake of 35% in Security National Financial Corporation (NASDAQ:SNFC.A)
Simply Wall St. âĸ 2025-06-27T11:25:59Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $345,393,056 | $335,454,822 | $318,524,654 | $390,731,140 |
| Operating Revenue | $345,393,056 | $335,454,822 | $318,524,654 | $390,731,140 |
| Expenses | ||||
| Interest Expense | $4,518,965 | $4,254,100 | $4,865,327 | $7,830,443 |
| Total Expenses | $303,983,452 | $298,080,929 | $302,224,242 | $356,354,278 |
| Rent Expense Supplemental | $3,760,519 | $5,147,069 | $6,857,137 | $6,883,013 |
| Other Income Expense | $108,245,899 | $107,595,658 | $98,413,632 | $186,538,247 |
| Net Non Operating Interest Income Expense | $-11,141,454 | $-10,388,809 | $-11,305,766 | $-15,370,484 |
| Total Other Finance Cost | $6,622,489 | $6,134,709 | $6,440,439 | $7,540,041 |
| Interest Expense Non Operating | $4,518,965 | $4,254,100 | $4,865,327 | $7,830,443 |
| Other Operating Expenses | $5,465,608 | $5,735,682 | $4,832,864 | $5,799,906 |
| Selling And Marketing Expense | $3,514,641 | $3,115,120 | $3,710,445 | $5,697,998 |
| General And Administrative Expense | $121,909,586 | $117,859,081 | $122,057,752 | $152,792,289 |
| Loss Adjustment Expense | $100,817,674 | $100,613,091 | $100,011,860 | $92,925,401 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Interest Income | $-11,141,454 | $-10,388,809 | $-11,305,766 | $-15,370,484 |
| Interest Income | $8,650,067 | $8,192,353 | $9,547,741 | $9,666,149 |
| Normalized Income | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Income From Continuing And Discontinued Operation | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Income Common Stockholders | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Income | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Income Including Noncontrolling Interests | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Income Continuous Operations | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Pretax Income | $41,409,604 | $37,373,893 | $16,300,412 | $34,376,862 |
| Depreciation And Amortization In Income Statement | $2,425,185 | $2,383,621 | $2,351,661 | $2,496,906 |
| Depreciation Income Statement | $2,425,185 | $2,383,621 | $2,351,661 | $2,496,906 |
| Special Income Charges | - | - | - | $413,739 |
| Per Share | ||||
| Diluted EPS | $1.26 | $1.16 | $0.58 | $1.02 |
| Basic EPS | $1.30 | $1.19 | $0.60 | $1.05 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $8,718,440 | $8,784,084 | $9,229,011 | $17,676,778 |
| EBIT | $45,928,569 | $41,627,993 | $21,165,739 | $42,207,305 |
| Diluted Average Shares | $25,484,312 | $25,186,505 | $25,003,990 | $25,397,331 |
| Basic Average Shares | $24,727,498 | $24,492,597 | $24,348,888 | $24,461,619 |
| Diluted NI Availto Com Stockholders | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Tax Provision | $9,257,274 | $8,254,728 | $1,805,354 | $8,686,560 |
| Selling General And Administration | $125,424,227 | $120,974,201 | $125,768,197 | $158,490,287 |
| Other Gand A | $34,757,783 | $32,774,279 | $38,915,993 | $52,680,766 |
| Salaries And Wages | $87,151,803 | $85,084,802 | $83,141,759 | $100,111,523 |
| Net Policyholder Benefits And Claims | $100,817,674 | $100,613,091 | $100,011,860 | $92,925,401 |
| Total Unusual Items | - | - | - | $413,739 |
| Total Unusual Items Excluding Goodwill | - | - | - | $413,739 |
| Other Special Charges | - | - | - | $-413,739 |
Fetched: 2026-06-19
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $398,855,152 | $369,626,099 | $301,177,623 | $281,236,712 |
| Total Assets | $1,561,844,604 | $1,494,462,314 | $1,430,552,275 | $1,461,112,892 |
| Goodwill And Other Intangible Assets | $11,513,576 | $12,272,328 | $11,717,596 | $11,550,215 |
| Other Intangible Assets | $6,259,793 | $7,018,545 | $6,463,813 | $6,296,432 |
| Receivables | $29,266,447 | $29,675,406 | $30,192,374 | $43,607,030 |
| Receivables Adjustments Allowances | $-1,428,672 | $-1,678,531 | $-1,897,887 | $-2,229,791 |
| Other Receivables | $4,588,564 | $5,118,734 | $7,658,789 | $23,200,919 |
| Loans Receivable | $646,500 | $2,404,900 | $2,279,800 | $2,600,300 |
| Accounts Receivable | $26,106,555 | $26,235,203 | $24,431,472 | $22,635,902 |
| Cash Cash Equivalents And Short Term Investments | $165,026,666 | $507,092,550 | $508,477,644 | $466,778,297 |
| Cash And Cash Equivalents | $102,256,828 | $140,546,421 | $126,941,658 | $120,919,805 |
| Debt | ||||
| Total Debt | $98,387,919 | $106,740,104 | $105,555,137 | $161,712,804 |
| Long Term Debt And Capital Lease Obligation | $94,214,470 | $96,152,655 | $97,823,164 | $98,834,105 |
| Long Term Debt | $94,120,447 | $96,007,488 | $97,807,614 | $98,803,023 |
| Current Debt And Capital Lease Obligation | $4,173,449 | $10,587,449 | $7,731,973 | $62,878,699 |
| Current Debt | $4,173,449 | $10,587,449 | $7,731,973 | $62,878,699 |
| Net Debt | - | - | - | $40,761,917 |
| Other Current Borrowings | - | - | - | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,151,475,876 | $1,112,563,887 | $1,117,657,056 | $1,168,325,965 |
| Non Current Deferred Liabilities | $22,991,603 | $20,168,405 | $18,237,246 | $16,226,836 |
| Payables And Accrued Expenses | $30,070,681 | $27,477,805 | $16,689,949 | $36,071,976 |
| Payables | $30,070,681 | $27,477,805 | $16,689,949 | $36,071,976 |
| Total Tax Payable | $25,920,562 | $24,540,512 | $13,752,981 | $30,710,527 |
| Income Tax Payable | $25,920,562 | $24,540,512 | $13,752,981 | $30,710,527 |
| Accounts Payable | $4,150,119 | $2,937,293 | $2,936,968 | $5,361,449 |
| Equity | ||||
| Common Stock Equity | $410,368,728 | $381,898,427 | $312,895,219 | $292,786,927 |
| Total Equity Gross Minority Interest | $410,368,728 | $381,898,427 | $312,895,219 | $292,786,927 |
| Stockholders Equity | $410,368,728 | $381,898,427 | $312,895,219 | $292,786,927 |
| Other Equity Interest | $7,174,474 | $6,643,666 | $5,943,708 | $5,779,718 |
| Gains Losses Not Affecting Retained Earnings | $28,762,123 | $33,719,629 | $-6,885,558 | $-13,070,277 |
| Other Equity Adjustments | $28,762,123 | $33,719,629 | $-6,885,558 | $-13,070,277 |
| Retained Earnings | $248,795,475 | $227,804,439 | $206,978,373 | $202,160,306 |
| Other | ||||
| Treasury Shares Number | $1,200,568 | $1,181,677 | $928,335 | $735,164 |
| Ordinary Shares Number | $26,015,862 | $25,805,680 | $25,379,391 | $24,324,973 |
| Share Issued | $27,111,826 | $26,882,753 | $26,268,348 | $24,933,733 |
| Tangible Book Value | $398,855,152 | $369,626,099 | $301,177,623 | $281,236,712 |
| Invested Capital | $508,662,624 | $488,493,364 | $418,434,806 | $454,468,649 |
| Capital Lease Obligations | $94,023 | $145,167 | $15,550 | $31,082 |
| Total Capitalization | $504,489,175 | $477,905,915 | $410,702,833 | $391,589,950 |
| Treasury Stock | $9,088,357 | $8,477,686 | $5,661,737 | $4,366,651 |
| Additional Paid In Capital | $89,867,763 | $79,698,367 | $72,424,429 | $64,767,769 |
| Capital Stock | $44,857,250 | $42,510,012 | $40,096,004 | $37,516,062 |
| Common Stock | $44,857,250 | $42,510,012 | $40,096,004 | $37,516,062 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Non Current Deferred Revenue | $22,991,603 | $20,168,405 | $18,237,246 | $16,226,836 |
| Long Term Capital Lease Obligation | $94,023 | $145,167 | $15,550 | $31,082 |
| Line Of Credit | $4,173,449 | $10,587,449 | $7,731,973 | $62,878,699 |
| Investments And Advances | $400,827,980 | $382,317,810 | $395,172,057 | $357,541,018 |
| Goodwill | $5,253,783 | $5,253,783 | $5,253,783 | $5,253,783 |
| Net PPE | $29,511,000 | $29,642,320 | $28,338,790 | $29,681,123 |
| Other Short Term Investments | $62,769,838 | $366,546,129 | $381,535,986 | $345,858,492 |
Fetched: 2026-06-19
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $43,848,625 | $54,849,818 | $52,765,184 | $128,850,259 |
| Operating Activities | ||||
| Operating Cash Flow | $45,539,897 | $57,319,850 | $53,875,121 | $130,450,454 |
| Cash Flow From Continuing Operating Activities | $45,539,897 | $57,319,850 | $53,875,121 | $130,450,454 |
| Operating Gains Losses | $-51,636,678 | $-43,814,403 | $-38,083,516 | $-105,022,458 |
| Investing Activities | ||||
| Capital Expenditure | $-1,691,272 | $-2,470,032 | $-1,109,937 | $-1,600,195 |
| Investing Cash Flow | $-67,207,826 | $-43,134,064 | $14,608,069 | $-37,161,736 |
| Cash Flow From Continuing Investing Activities | $-67,207,826 | $-43,134,064 | $14,608,069 | $-37,161,736 |
| Net Other Investing Changes | $-2,401,302 | $-6,468,049 | $-2,851,182 | $342,554 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,610,049 | $-3,053,506 | $-2,846,447 | $-7,663,905 |
| Financing Cash Flow | $-14,322,583 | $-4,006,565 | $-62,043,608 | $-101,219,183 |
| Cash Flow From Continuing Financing Activities | $-14,322,583 | $-4,006,565 | $-62,043,608 | $-101,219,183 |
| Net Other Financing Charges | $-4,356,730 | $-2,328,311 | $-3,082,085 | $-4,064,857 |
| Net Common Stock Issuance | $-1,610,049 | $-3,053,506 | $-2,846,447 | $-7,663,905 |
| Other | ||||
| Repayment Of Debt | $-77,461,816 | $-1,929,346 | $-124,749,463 | $-149,251,903 |
| Issuance Of Debt | $69,000,000 | $2,855,476 | $68,500,000 | $59,618,050 |
| Interest Paid Supplemental Data | $4,540,371 | $4,196,139 | $5,136,747 | $7,697,921 |
| Income Tax Paid Supplemental Data | $6,538,505 | $8,227,642 | $20,406,598 | $729,687 |
| End Cash Position | $114,112,108 | $150,102,620 | $139,923,399 | $133,483,817 |
| Beginning Cash Position | $150,102,620 | $139,923,399 | $133,483,817 | $141,414,282 |
| Changes In Cash | $-35,990,512 | $10,179,221 | $6,439,582 | $-7,930,465 |
| Proceeds From Stock Option Exercised | $106,012 | $449,122 | $134,387 | $143,432 |
| Common Stock Payments | $-1,610,049 | $-3,053,506 | $-2,846,447 | $-7,663,905 |
| Net Issuance Payments Of Debt | $-8,461,816 | $926,130 | $-56,249,463 | $-89,633,853 |
| Net Long Term Debt Issuance | $-8,461,816 | $926,130 | $-56,249,463 | $-89,633,853 |
| Long Term Debt Payments | $-77,461,816 | $-1,929,346 | $-124,749,463 | $-149,251,903 |
| Long Term Debt Issuance | $69,000,000 | $2,855,476 | $68,500,000 | $59,618,050 |
| Net Investment Purchase And Sale | $-7,477,303 | $15,026,216 | $-27,995,264 | $-127,807,297 |
| Sale Of Investment | $65,774,244 | $103,360,358 | $49,313,526 | $27,967,415 |
| Purchase Of Investment | $-73,251,547 | $-88,334,142 | $-77,308,790 | $-155,774,712 |
| Net Investment Properties Purchase And Sale | $-25,223,256 | $-16,042,367 | $9,877,916 | $4,910,447 |
| Sale Of Investment Properties | $38,704,832 | $36,306,431 | $32,772,520 | $25,369,430 |
| Purchase Of Investment Properties | $-63,928,088 | $-52,348,798 | $-22,894,604 | $-20,458,983 |
| Net PPE Purchase And Sale | $-1,615,550 | $-2,104,335 | $-1,109,937 | $-1,530,947 |
| Sale Of PPE | $75,722 | $365,697 | $0 | $69,248 |
| Purchase Of PPE | $-1,691,272 | $-2,470,032 | $-1,109,937 | $-1,600,195 |
| Change In Working Capital | $37,845,627 | $35,496,856 | $27,657,622 | $26,548,576 |
| Change In Other Working Capital | $7,317,697 | $4,747,167 | $-2,025,510 | $-815,484 |
| Change In Other Current Assets | $-704,651 | $-1,430,941 | $-62,217 | $-123,597 |
| Other Non Cash Items | $28,961,127 | $42,344,559 | $52,323,851 | $166,938,883 |
| Stock Based Compensation | $1,320,497 | $800,820 | $601,362 | $929,692 |
| Unrealized Gain Loss On Investment Securities | $-4,593,020 | $-5,159,981 | $-1,303,759 | $10,944,353 |
| Amortization Of Securities | $-13,245,222 | $-14,629,561 | $-8,549,019 | $-3,301,667 |
| Deferred Tax | $1,454,181 | $998,697 | $-2,495,489 | $-9,954,005 |
| Deferred Income Tax | $1,454,181 | $998,697 | $-2,495,489 | $-9,954,005 |
| Depreciation And Amortization | $8,718,440 | $8,784,084 | $9,229,011 | $17,676,778 |
| Amortization Cash Flow | $562,475 | $611,638 | $587,931 | $9,078,706 |
| Amortization Of Intangibles | $562,475 | $611,638 | $587,931 | $9,078,706 |
| Depreciation | $8,155,965 | $8,172,446 | $8,641,080 | $8,598,072 |
| Pension And Employee Benefit Expense | $1,459,017 | $1,220,564 | $2,210,719 | $5,061,297 |
| Gain Loss On Investment Securities | $-52,913,727 | $-44,761,823 | $-40,255,043 | $-75,345,114 |
| Gain Loss On Sale Of PPE | $-181,968 | $-273,144 | $-39,192 | $-34,738,641 |
| Net Income From Continuing Operations | $32,152,330 | $29,119,165 | $14,495,058 | $25,690,302 |
| Net Intangibles Purchase And Sale | - | - | $0 | $79,981,150 |
| Sale Of Intangibles | - | - | $0 | $79,981,150 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
Fetched: 2026-06-19