Security National Corporation (SNLC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Security National Corporation (SNLC) trades at $206.00. Security National Corporation, founded in 1884, offers a range of financial services including banking, loans, and wealth management. Market cap: $338M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for SNLC: SNLC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SNLC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on SNLC.
How is this calculated? →Security National Corporation (SNLC) Financial Services Profile
Security National Corporation, a regional bank founded in 1884, provides diverse financial services including retail banking, lending, and wealth management, primarily serving the Midwest with a focus on community banking and personalized customer relationships, reflected in its dividend yield of 5.46% and a P/E ratio of 11.39.
What Is the Investment Thesis for SNLC?
Security National Corporation presents a stable investment opportunity within the regional banking sector. With a P/E ratio of 11.39 and a dividend yield of 5.46%, the company demonstrates a commitment to shareholder returns. Its consistent profitability, evidenced by a 24.6% profit margin, suggests efficient operations and effective risk management. Growth catalysts include expansion of its wealth management services and strategic partnerships to enhance its digital banking offerings. However, potential risks include increased competition from larger national banks and fintech companies, as well as the impact of fluctuating interest rates on its lending business. Monitoring the company's ability to adapt to technological advancements and maintain its customer base will be crucial for assessing its long-term value.
Based on FMP financials and quantitative analysis
SNLC Key Highlights
Market capitalization of $338M indicates a mid-sized regional bank.
- P/E ratio of 11.39 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 24.6% demonstrates strong profitability compared to the industry average.
- Dividend yield of 5.46% offers an attractive income stream for investors.
- Beta of -0.05 indicates low volatility relative to the market, suggesting a stable investment.
Who Are SNLC's Competitors?
SNLC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALPIB Alpine Banks of Colorado | $49.80 | +0.00% | $407M | 54 |
| BFCC BankFirst Capital Corporation | $63.27 | +0.00% | $336M | 53 |
| CSHX Cashmere Valley Bank | $92.00 | -2.13% | $341M | 57 |
| FFBB FFB Bancorp | $87.56 | -0.05% | $273M | 50 |
| FIZN First Citizens Bancshares, Inc. | $75.01 | +0.00% | $288M | 56 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SNLC's Key Strengths?
Long-standing presence in the Midwest market.
- Strong community relationships and customer loyalty.
- Diversified financial services offerings.
- Conservative lending practices and risk management.
What Are SNLC's Weaknesses?
Limited geographic reach compared to larger national banks.
- Dependence on traditional banking services.
- Potential vulnerability to fintech disruption.
- Lower brand recognition outside of its core market.
What Could Drive SNLC Stock Higher?
Expansion of digital banking services to attract younger customers.
- Focus on commercial lending to support local businesses.
- Potential acquisitions of smaller community banks in the Midwest (timeline: 1-3 years).
- Growth in wealth management services driven by increasing demand for financial planning.
- Strategic partnerships with fintech companies to enhance technology offerings.
What Are the Key Risks for SNLC?
Increased competition from larger national banks and credit unions.
- Impact of fluctuating interest rates on lending business.
- Regulatory compliance and cybersecurity risks.
- Economic downturn affecting loan demand and credit quality.
- Limited liquidity due to OTC listing.
What Are the Growth Opportunities for SNLC?
- Expansion of Wealth Management Services: Security National Corporation can capitalize on the growing demand for wealth management services by expanding its offerings and targeting high-net-worth individuals in its region. The wealth management market is projected to reach $11 trillion by 2028, presenting a significant growth opportunity. By recruiting experienced financial advisors and developing tailored investment solutions, Security National can attract new clients and increase its assets under management, driving revenue growth and enhancing its profitability. This expansion can be achieved within the next 3-5 years.
- Strategic Partnerships with Fintech Companies: To enhance its digital banking capabilities and attract younger customers, Security National Corporation can form strategic partnerships with fintech companies. These partnerships can enable the bank to offer innovative products and services, such as mobile payments, peer-to-peer lending, and automated financial planning. By integrating fintech solutions into its existing platform, Security National can improve customer experience, reduce costs, and gain a competitive advantage. These partnerships can be established within the next 1-2 years.
- Increased Focus on Commercial Lending: Security National Corporation can drive growth by increasing its focus on commercial lending, targeting small and medium-sized businesses (SMBs) in its region. The SMB lending market is projected to reach $800 billion by 2027, presenting a significant opportunity for expansion. By offering competitive loan products, streamlined application processes, and personalized service, Security National can attract new business clients and increase its loan portfolio. This expansion can be achieved within the next 2-3 years.
- Geographic Expansion within the Midwest: Security National Corporation can expand its geographic footprint within the Midwest by opening new branches or acquiring smaller community banks. This expansion can enable the bank to reach new customers and diversify its revenue streams. The Midwest banking market is characterized by a strong presence of community banks, presenting opportunities for consolidation. By carefully selecting target markets and implementing a well-defined expansion strategy, Security National can increase its market share and enhance its long-term growth prospects. This expansion can be phased in over the next 3-5 years.
- Enhancement of Mobile Banking Platform: Security National Corporation can enhance its mobile banking platform to offer a wider range of features and improve user experience. This can attract more customers to use the platform and increase customer engagement. The mobile banking market is projected to reach $1.82 trillion by 2027. By investing in technology and developing innovative features, such as biometric authentication, personalized financial advice, and seamless integration with other financial apps, Security National can improve customer satisfaction and drive adoption of its mobile banking platform. These enhancements can be implemented within the next 1-2 years.
What Are SNLC's Competitive Advantages?
- Strong community relationships built over 140+ years of operation.
- Local market expertise and personalized customer service.
- Established brand reputation in the Midwest.
- Conservative lending practices and risk management.
What Does SNLC Do?
Security National Corporation, established in 1884, has deep roots in the Midwest, providing a comprehensive suite of financial services to individuals, families, and businesses. From its headquarters in Dakota Dunes, South Dakota, the company has evolved from a local bank into a diversified financial services provider. Its core offerings include checking and savings accounts, designed for everyday banking needs, alongside overdraft protection services and convenient debit cards. Security National also embraces modern banking through its online and mobile platforms, enabling customers to manage their finances anytime, anywhere. Beyond basic banking, Security National Corporation is a significant lender, offering a variety of loan products tailored to different needs. These include mortgage loans for homebuyers, personal loans for various expenses, commercial loans to support local businesses, and agriculture loans catering to the farming community. The company's wealth management services provide financial planning, investment advice, and trust services to help clients achieve their long-term financial goals. Security National Corporation distinguishes itself through its commitment to community banking. It focuses on building strong relationships with its customers, providing personalized service and local expertise. This approach has fostered customer loyalty and contributed to the company's long-standing presence in the region. While larger national banks may offer a broader range of products, Security National's focus on local needs and customer relationships sets it apart in the competitive financial services landscape.
What Products and Services Does SNLC Offer?
- Offers checking and savings accounts for personal and business use.
- Provides overdraft protection services to prevent bounced checks.
- Issues debit cards for convenient access to funds.
- Offers online and mobile banking services for remote account management.
- Provides mortgage loans for home purchases and refinancing.
- Offers personal loans for various expenses.
- Provides commercial loans to support local businesses.
- Offers agriculture loans to farmers and ranchers.
How Does SNLC Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for various banking services, such as account maintenance and overdraft protection.
- Provides wealth management services for a fee, based on assets under management.
- Invests in securities to generate additional income.
What Industry Does SNLC Operate In?
Security National Corporation operates in the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and emerging fintech companies. The industry is undergoing a digital transformation, with customers increasingly demanding online and mobile banking solutions. Regulatory compliance and cybersecurity are also key concerns for regional banks. Security National's focus on community banking and personalized service positions it to compete effectively by building strong customer relationships and catering to local needs. The regional banking sector is expected to grow modestly, driven by economic expansion and increased lending activity.
Who Are SNLC's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Farmers and ranchers needing agricultural financing.
- High-net-worth individuals seeking wealth management services.
Company Profile
Security National Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Dakota Dunes, US. The company is led by CEO D. Douglas Rice. SNLC has traded publicly since 2000.
Security National Corporation (SNLC) Valuation Context
Valued at $338M, SNLC is classified as a small-cap stock.
Key Financial Metrics
Return on equity for Security National Corporation stands at 13.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. SNLC trades at a trailing price-to-earnings ratio of 11.02, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.54 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 9.1%, the inverse of the P/E and a quick read on earnings relative to price.
SNLC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in the Midwest market.
- Strong community relationships and customer loyalty.
- Diversified financial services offerings.
- Conservative lending practices and risk management.
Bear Case
- Limited geographic reach compared to larger national banks.
- Dependence on traditional banking services.
- Potential vulnerability to fintech disruption.
- Lower brand recognition outside of its core market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
SNLC Latest News
No recent news available for SNLC.
SNLC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SNLC.
Price Targets
Wall Street price target analysis for SNLC.
SNLC MoonshotScore
What does this score mean?
The MoonshotScore rates SNLC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: D. Douglas Rice
CEO
D. Douglas Rice serves as the Chief Executive Officer of Security National Corporation. His background includes extensive experience in the financial services industry, with a focus on community banking and strategic leadership. Prior to his role at Security National, Rice held various executive positions at regional banks, where he oversaw lending operations, risk management, and business development. He holds an MBA from a leading business school and has completed executive education programs in banking and finance.
Track Record: Under D. Douglas Rice's leadership, Security National Corporation has maintained a strong financial performance and continued its commitment to community banking. He has focused on enhancing customer relationships, expanding the bank's digital capabilities, and managing risk effectively. Key milestones during his tenure include the successful integration of new technologies and the implementation of strategic initiatives to drive growth and profitability.
SNLC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Security National Corporation may not meet the minimum financial standards or disclosure requirements of the higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory scrutiny as those listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume and liquidity can lead to price volatility.
- Potential for less regulatory oversight compared to major exchanges.
- Higher risk of fraud or manipulation due to less stringent listing requirements.
- OTC stocks may be more susceptible to market rumors and speculation.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Analyze the stock's trading volume and bid-ask spread.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Long operating history (founded in 1884) suggests stability.
- Positive profit margin (24.6%) indicates a viable business.
- Consistent dividend payments demonstrate a commitment to shareholders.
- Focus on community banking fosters local trust and relationships.
- CEO with experience in the financial services industry.
Common Questions About SNLC (Financial Services)
What does Security National Corporation do?
Security National Corporation is a financial services provider offering a range of banking, lending, and wealth management solutions. The company operates primarily in the Midwest, focusing on community banking relationships. Its services include checking and savings accounts, loans for mortgages, personal needs, commercial ventures, and agriculture, as well as wealth management services.
What are the main risks for SNLC?
Security National Corporation faces several risks inherent to the regional banking sector, including increased competition from larger national banks and credit unions, as well as the potential impact of fluctuating interest rates on its lending business. Regulatory compliance and cybersecurity risks are also significant concerns.
What are the key factors to evaluate for SNLC?
Evaluate SNLC on fundamentals, analyst consensus, and risk factors. Security National Corporation presents a stable investment opportunity within the regional banking sector. Not financial advice.
How frequently does SNLC data refresh on this page?
SNLC's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SNLC's recent stock price performance?
Security National Corporation (SNLC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Midwest market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SNLC overvalued or undervalued right now?
Security National Corporation (SNLC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SNLC before investing?
Before investing in Security National Corporation (SNLC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding SNLC to a portfolio?
Key strength of Security National Corporation (SNLC): Long-standing presence in the Midwest market. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for this OTC-listed company.
- Financial data based on available public information.
- AI analysis pending for additional insights.