Security National Financial Corporation (SNFCA)
For informational purposes only. Not financial advice.
Security National Financial Corporation (SNFCA) is a publicly traded company trading at $8.71 with a market cap of $237.62M. It holds a cautious AI score of 49/100 based on fundamental, technical, and sentiment analysis.
Security National Financial Corporation operates in the life insurance, cemetery and mortuary, and mortgage industries. The company provides a range of financial and death care services across multiple states.
Company Overview
Security National Financial Corporation (SNFCA) offers a diversified financial services portfolio, including life insurance, cemetery and mortuary services, and mortgage solutions, primarily in the US, presenting a stable, value-oriented investment with a focus on long-term growth and profitability.
Investment Thesis
Security National Financial Corporation (SNFCA) presents a compelling investment opportunity due to its diversified revenue streams and strong profitability. With a P/E ratio of 11.84 and a healthy profit margin of 20.8%, SNFCA demonstrates financial stability and efficient operations. The company's beta of 0.75 suggests lower volatility compared to the market, making it an attractive option for risk-averse investors. Growth catalysts include expansion of mortgage operations in key states and increasing demand for death care services. The company's high gross margin of 94.8% indicates strong pricing power and efficient cost management. SNFCA's focus on long-term growth and shareholder value, coupled with its diversified business segments, positions it for sustained success.
Key Highlights
- Market capitalization of $0.20 billion, indicating a mid-sized company with growth potential.
- P/E ratio of 11.84, suggesting the company is undervalued compared to its earnings.
- Profit margin of 20.8%, reflecting efficient operations and strong profitability.
- Gross margin of 94.8%, demonstrating excellent cost management and pricing power.
- Beta of 0.75, indicating lower volatility compared to the overall market.
Competitors
Strengths
- Diversified revenue streams across multiple business segments.
- High gross margin of 94.8%, indicating efficient operations.
- Established presence in key geographic markets.
- Experienced management team with a long track record.
Weaknesses
- Relatively small market capitalization compared to larger competitors.
- Dependence on interest rate environment for mortgage business.
- Potential impact from regulatory changes in the financial services industry.
- Limited brand recognition outside of core markets.
Catalysts
- Upcoming: Expansion of mortgage operations in Florida, Nevada, Texas, and Utah.
- Ongoing: Increasing demand for annuity products due to the aging population.
- Ongoing: Strategic acquisitions of mortuaries and cemeteries.
- Ongoing: Digital transformation initiatives to improve efficiency and customer experience.
Risks
- Potential: Economic downturn impacting demand for financial services.
- Potential: Rising interest rates affecting mortgage affordability.
- Potential: Changes in mortality rates impacting the death care industry.
- Ongoing: Regulatory changes in the financial services industry.
Growth Opportunities
- Expansion of Mortgage Operations: SNFCA can capitalize on the growing housing markets in Florida, Nevada, Texas, and Utah by expanding its mortgage origination and underwriting activities. The US mortgage market is estimated to be worth trillions of dollars, offering significant growth potential. By focusing on residential and commercial loans for new construction and existing homes, SNFCA can increase its market share and revenue. Timeline: Ongoing.
- Increased Focus on Annuity Products: The aging population and increasing demand for retirement income solutions present a significant opportunity for SNFCA to expand its annuity product offerings. The annuity market is projected to grow as more individuals seek stable income streams during retirement. By developing innovative and competitive annuity products, SNFCA can attract a larger customer base and increase its life insurance segment revenue. Timeline: Ongoing.
- Strategic Acquisitions in the Death Care Industry: SNFCA can pursue strategic acquisitions of existing mortuaries and cemeteries to expand its geographic footprint and market share in the death care industry. The death care market is relatively fragmented, offering opportunities for consolidation. By acquiring well-established businesses with strong local reputations, SNFCA can enhance its brand recognition and increase its revenue. Timeline: Ongoing.
- Digital Transformation and Online Services: Investing in digital technologies and online services can improve customer experience, streamline operations, and reduce costs. By offering online applications, virtual consultations, and digital marketing campaigns, SNFCA can attract a younger demographic and expand its reach. Digital transformation can also enhance efficiency in underwriting, claims processing, and customer service. Timeline: Ongoing.
- Cross-Selling Opportunities: SNFCA can leverage its existing customer base to cross-sell its various products and services. For example, life insurance customers can be offered annuity products, and mortgage customers can be offered funeral plans. By identifying and capitalizing on cross-selling opportunities, SNFCA can increase customer lifetime value and revenue per customer. Timeline: Ongoing.
Opportunities
- Expansion of mortgage operations in high-growth markets.
- Strategic acquisitions in the death care industry.
- Increased focus on annuity products to capitalize on aging population.
- Digital transformation to improve customer experience and reduce costs.
Threats
- Economic downturn impacting demand for financial services.
- Increased competition from larger financial institutions.
- Rising interest rates affecting mortgage affordability.
- Changes in mortality rates impacting the death care industry.
Competitive Advantages
- Diversified business model across life insurance, death care, and mortgages.
- Established presence in key geographic markets, including Utah, California, New Mexico, Florida, Nevada, and Texas.
- Strong gross margin of 94.8%, indicating pricing power and efficient cost management.
- Long-standing reputation and brand recognition in the financial services and death care industries.
About
Founded in 1965 and headquartered in Salt Lake City, Utah, Security National Financial Corporation (SNFCA) has established itself as a diversified financial services provider. The company operates through three primary segments: Life Insurance, Cemetery and Mortuary, and Mortgages. The Life Insurance segment focuses on selling and servicing life insurance, annuity products, and accident and health insurance. These products include funeral plans, interest-sensitive life insurance, traditional life, accident, and health insurance, and various annuity products. SNFCA also engages in reinsurance activities within this segment. The Cemetery and Mortuary segment operates mortuaries and cemeteries across Utah, California, and New Mexico, offering a range of death care products and services, including plots, interment vaults, mausoleum crypts, markers, caskets, urns, funeral director services, and facilities for memorial services. The Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects, primarily in Florida, Nevada, Texas, and Utah. This segment provides residential mortgage lending services to real estate brokers, builders, and consumers directly. SNFCA's diversified business model and geographic reach contribute to its stability and growth potential within the financial services sector.
What They Do
- Sells and services life insurance policies.
- Offers annuity products, including single and flexible premium deferred annuities.
- Provides accident and health insurance.
- Operates mortuaries and cemeteries.
- Sells plots, interment vaults, mausoleum crypts, markers, caskets, and urns.
- Offers funeral director services.
- Originates and underwrites residential and commercial loans.
- Provides mortgage lending services to real estate brokers, builders, and consumers.
Business Model
- Generates revenue from premiums on life insurance, annuity, and health insurance products.
- Earns revenue from the sale of cemetery plots, funeral services, and related merchandise.
- Generates income from interest and fees on mortgage loans.
- Receives reinsurance premiums and pays reinsurance claims.
Industry Context
Security National Financial Corporation operates within the financial services sector, specifically in the life insurance, cemetery and mortuary, and mortgage industries. The life insurance and death care industries are characterized by stable demand, driven by demographic trends and the inevitability of mortality. The mortgage industry is subject to fluctuations based on interest rates and economic conditions. SNFCA's diversified business model allows it to mitigate risks associated with any single industry segment. Competitors include companies like CBNA, CPSS, FCCO, FRAF, and FSFG, each with varying focuses within the broader financial services landscape. The company's strong gross margin of 94.8% positions it favorably against competitors.
Key Customers
- Individuals seeking life insurance and annuity products.
- Families requiring funeral and cemetery services.
- Homebuyers and real estate developers seeking mortgage financing.
- Real estate brokers and builders.
Financials
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $3M | $8M | $0.31 |
| Q2 2025 | $2M | $7M | $0.25 |
| Q1 2025 | $83M | $4M | $0.18 |
| Q4 2024 | $2M | $-41,747 | $-0.00 |
Source: Company filings
Chart & Info
Price Chart
Security National Financial Corporation (SNFCA) stock price: $8.71 (+0.00, +0.00%)
Why Bull
- •Recent insider buying suggests confidence in SNFCA's future performance, indicating that those closest to the company believe in its potential.
- •Community sentiment has shown a positive shift, with discussions highlighting the company's innovative approaches and growth strategies.
- •Market perception is buoyed by recent favorable developments in the sector, positioning SNFCA as a leader in its niche.
- •Positive analyst commentary has emerged, reinforcing the belief that SNFCA is well-prepared to capitalize on upcoming market opportunities.
Why Bear
- •Concerns have been raised about potential regulatory challenges that could impact SNFCA's operations and profitability.
- •Community discussions reflect skepticism regarding the company's ability to sustain growth in a competitive landscape.
- •Recent earnings reports have not met some expectations, leading to doubts about the company's short-term performance.
- •Market sentiment has been tempered by broader economic uncertainties, causing investors to be cautious about SNFCA's prospects.
Latest News
No recent news available for SNFCA.
Technical Analysis
Rationale
AI-generated technical analysis for SNFCA including trend direction, momentum, and pattern recognition.
What to Watch
Key support and resistance levels, volume signals, and upcoming events.
Risk Management
Position sizing, stop-loss levels, and risk-reward assessment.
Community
Discussion
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Sentiment
Community sentiment and discussion activity for SNFCA.
Make a Prediction
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Current price: $8.71
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SNFCA.
Price Targets
Wall Street price target analysis for SNFCA.
Insider Flow (30d)
MoonshotScore
Score Factors
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Revenue Growth 2/100
Revenue declined -14.2% YoY, signaling shrinking demand or market headwinds.
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Gross Margin 10/100
Gross margin of 94.8% shows excellent pricing power and a strong competitive moat.
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Operating Leverage 4/100
Limited operating leverage due to slower revenue growth, keeping profit scaling constrained.
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Cash Runway 8/100
Strong cash reserves of $141M provide a solid financial cushion for growth investments and market downturns.
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R&D Intensity 5/100
R&D spending data is currently unavailable for this company.
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Insider Activity 6/100
No significant insider buying or selling recently, which is neutral for the stock outlook.
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Short Interest 7/100
Lower turnover at 0.26% means fewer daily trades, which may widen bid-ask spreads.
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Price Momentum 6/100
Mixed technical signals (above sma50, above sma200); price trend is inconclusive and may consolidate.
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News Sentiment 5/100
No sentiment data available
What does this score mean?
The MoonshotScore rates SNFCA's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Frequently Asked Questions
What does Security National Financial Corporation do?
Security National Financial Corporation (SNFCA) is a diversified financial services company operating in three primary segments: Life Insurance, Cemetery and Mortuary, and Mortgages. The company sells and services life insurance, annuity products, and accident and health insurance. It also operates mortuaries and cemeteries, providing funeral and burial services. Additionally, SNFCA originates and underwrites residential and commercial loans. This diversified business model allows SNFCA to serve a wide range of customer needs and mitigate risks associated with any single industry segment. SNFCA's focus on long-term growth and shareholder value positions it as a stable player in the financial services sector.
Is SNFCA stock a good buy?
SNFCA stock may be a good buy for value-oriented investors seeking stable returns and long-term growth. The company's P/E ratio of 11.84 suggests it is undervalued compared to its earnings, and its profit margin of 20.8% indicates efficient operations. The high gross margin of 94.8% demonstrates strong pricing power. However, investors should consider the risks associated with the financial services industry, including economic downturns and regulatory changes. A balanced analysis of SNFCA's financial metrics, growth potential, and risk factors is essential before making an investment decision.
What are the main risks for SNFCA?
The main risks for Security National Financial Corporation (SNFCA) include economic downturns impacting demand for financial services, rising interest rates affecting mortgage affordability, and changes in mortality rates impacting the death care industry. Increased competition from larger financial institutions and regulatory changes in the financial services industry also pose potential risks. SNFCA's dependence on the interest rate environment for its mortgage business and its relatively small market capitalization compared to larger competitors are additional risk factors to consider. Effective risk management and diversification strategies are crucial for SNFCA to mitigate these risks and maintain its financial stability.
Is SNFCA a good stock to buy?
Whether SNFCA is a suitable investment depends on your goals, risk tolerance, and time horizon. Evaluate Security National Financial Corporation's revenue growth, profit margins, debt levels, and valuation relative to peers. This is not financial advice.
What is the SNFCA MoonshotScore?
The MoonshotScore rates SNFCA from 0 to 100 across growth potential, financial health, market momentum, and risk factors. Scores above 70 suggest strong potential, 50-70 moderate, and below 50 warrants caution. It is recalculated daily using the latest market data. This score is informational only.
How often is SNFCA data updated?
SNFCA prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What do analysts say about SNFCA?
Analyst coverage for SNFCA includes consensus ratings (buy, hold, sell), 12-month price targets, and earnings estimates from major research firms. Key data points: consensus target price, number of covering analysts, recent upgrades or downgrades, and earnings beat/miss history. See the Analyst Consensus section on this page.
What are the risks of investing in SNFCA?
Risk categories for SNFCA include market risk, company-specific risk (management, competition), financial risk (debt, cash burn), and macroeconomic risk (rates, inflation). Beta above 1.0 indicates higher volatility than the S&P 500. Review the Risk Factors section on this page for details. All investments carry risk of loss.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- Future performance is subject to market conditions and company-specific factors.