SNFCA

BuyUnloved Quality

Security National Financial Corporation · Financial Services · United States · $225M · Avg Vol: $268K/d

Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.

74
StockRank
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Quality
57
Value
76
Momentum
35
P/E (TTM)
7.0x
peers 12.7x
ROE
8.5%
peers 9.6%
D/E
0.3x
peers 0.3x
Dividend %
—
trailing yield
Director trades · 180d
−$94.5K →
sold by directors
Buybacks · 180d
$2.5M →
of its own shares repurchased

ABOUT SECURITY NATIONAL FINANCIAL CORPORATION

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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)

Year2022202320242025CAGRTTM
Revenue390.7M318.5M335.5M345.4M-4.0%336.0M
EPS1.050.601.191.307.3%1.25
Shares24.3M25.4M25.8M26.0M+7.0%22.4M
Debt161.7M105.6M106.7M98.4M-15.3%122.3M
Equity292.8M312.9M381.9M410.4M11.9%—
Op CF130.5M53.9M57.3M45.5M-29.6%80.6M
Inv CF-37.2M14.6M-43.1M-67.2M——
Fin CF-101.2M-62.0M-4.0M-14.3M——
Loading 1Y...
PRICE (1Y)-6.2%
8.578.758.929.109.2813 Aug3 Sep24 Sep
SMA 50SMA 200

Close
$8.67
RSI (14)
41.9
52-Week Range-15.2% from high
Low $7.33High $10.23

SCORE BREAKDOWN

Quality
57
ROIC (ROA)
1.9%*54.6
ROE
8.5%41.3
GP/Assets
11.0%75.3
Op. Margin
15.2%32.1
FCF/Assets
n/mN/A
Piotroski
567.5
Int. Cover
11.2x53.3
D/E Ratio
0.28x57.1
Current Ratio
2.17x60.4
Value
76
P/E (TTM)
7.0x81.5
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
0.5x90.6
P/S
0.7x93.2
Div Yield
—N/A
Momentum
35
52W High %
85%38.4
RS 6M
-18%24.7
SMA 50/200
1.02x46.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
7%35.9

FUNDAMENTALS

Market Cap
$225M
P/E (Forward)
—
Gross Margin
51.1%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SNFCA are excluded.

TickerCompanyMkt CapStockRankSignal
SNFCASecurity National Financial Corporation(you)$225M74Buy
BHFBrighthouse Financial, Inc.$3.0B73Buy
CIACitizens, Inc.$179M21Sell
ABXAbacus Global Management, Inc.$765M32Sell
CNOCNO Financial Group, Inc.$5.0B62Hold
GNWGenworth Financial, Inc.$3.6B55Hold
PRIPrimerica, Inc.$8.5B71Buy
LNCLincoln National Corporation$7.9B82Strong Buy
FGF&G Annuities & Life, Inc.$2.8B40Hold
GLGlobe Life Inc.$13.0B61Hold

Peer medians: ROE 9.6% · P/E 12.7x · Gross margin 100.0%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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Security National Financial Corporation (SNFCA): Stock Score Summary

Security National Financial Corporation (SNFCA) has a MoatMap StockRank of 74/100 based on Quality (57/100), Value (76/100), and Momentum (35/100) factor scores. The current signal is BUY.

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.

Key Financial Metrics

Price$8.67
Market Cap$225M
P/E (TTM)6.97
Price/Book0.52
Return on Equity8.5%
Debt/Equity0.28x
Gross Margin51.1%
Operating Margin15.2%
Revenue Growth-6.3%
Free Cash Flow$67M

Security National Financial Corporation operates in the Insurance - Life industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Security National Financial Corporation’s (SNFCA) StockRank?
MoatMap’s StockRank for Security National Financial Corporation (SNFCA) is 74/100, with a Buy signal. It is a composite of Quality (57), Value (76), and Momentum (35) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Security National Financial Corporation have an economic moat?
Security National Financial Corporation (SNFCA) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Security National Financial Corporation a buy, hold, or sell?
MoatMap’s current signal for Security National Financial Corporation (SNFCA) is Buy, based on a StockRank of 74/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Security National Financial Corporation in?
Security National Financial Corporation (SNFCA) operates in the Financial Services sector, specifically the Insurance - Life industry (United States).
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