SNFCA
Unloved QualitySecurity National Financial Corporation · Financial Services · United States · $238M cap · $271K/day traded
$8.97 -1.1% · close 12 Nov · scored 13 Nov
Unloved Quality: Strong and cheap, but the market has not warmed to it.
As of 13 Nov 2026, the MoatMap Score for Security National Financial Corporation (SNFCA) is 80/100, ranked against 25,000+ stocks in 38 markets (Quality 58, Value 76, Momentum 45, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT SECURITY NATIONAL FINANCIAL CORPORATION
Read
Security National Financial Corporation is a diversified financial services company primarily engaged in life insurance, cemetery and mortuary services, and mortgage lending. Its life insurance segment offers a range of traditional and pre-need funeral insurance products, often integrated with its death care services. This vertical integration across life insurance and funeral services provides a unique business model with cross-selling opportunities and a stable client base, offering a distinctive competitive position in the financial services sector.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 390.7M | 318.5M | 335.5M | 345.4M | -4.0% | 336.0M |
| EPS | 1.05 | 0.60 | 1.19 | 1.30 | 7.3% | 1.40 |
| Shares | 24.3M | 25.4M | 25.8M | 26.0M | +7.0% | 22.4M |
| Debt | 161.7M | 105.6M | 106.7M | 98.4M | -15.3% | 122.3M |
| Equity | 292.8M | 312.9M | 381.9M | 410.4M | 11.9% | — |
| Op CF | 130.5M | 53.9M | 57.3M | 45.5M | -29.6% | 80.6M |
| Inv CF | -37.2M | 14.6M | -43.1M | -67.2M | — | — |
| Fin CF | -101.2M | -62.0M | -4.0M | -14.3M | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 74% of stocks we rank over the past year (volatility 30% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend: It is near its 52-week high and above its 200-day average.
- No clear trend (this stock): None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SNFCA are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| SNFCA | Security National Financial Corporation(you) | $238M | 80 |
| ABX | Abacus Global Management, Inc. | $812M | 44 |
| CNO | CNO Financial Group, Inc. | $5.0B | 78 |
| CIA | Citizens, Inc. | $182M | 21 |
| BHF | Brighthouse Financial, Inc. | $2.6B | 53 |
| LNC | Lincoln National Corporation | $7.6B | 86 |
| PRI | Primerica, Inc. | $8.4B | 74 |
| JXN | Jackson Financial Inc. | $8.8B | 73 |
| FG | F&G Annuities & Life, Inc. | $2.7B | 45 |
| GNW | Genworth Financial, Inc. | $3.4B | 35 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.