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Security National Financial Corporation

NASDAQ•SNFCA
CEO: Mr. Scott Milton Quist
Sector: Financial Services
Industry: Financial - Mortgages
Listing Date: 1987-08-12
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; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver's accident insurance policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eight mortuaries and five cemeteries in Utah; one cemetery in California; and four mortuaries and one cemetery in 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. The company's 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. It offers residential mortgage lending services to real estate brokers and builders, as well as directly with consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
Contact Information
433 West Ascension Way, Salt Lake City, UT, 84123, United States
801-264-1060
www.securitynational.com
Market Cap
$208.75M
P/E (TTM)
6.2
5.6
Dividend Yield
--
52W High
$12.38
52W Low
$7.32
52W Range
40%
Rank29Top 17.8%
5.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$82.98M+0.00%
4-Quarter Trend

EPS

$0.63+0.00%
4-Quarter Trend

FCF

$16.43B+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Total Revenue Growth Total revenues reached $344.59M USD, marking a 3.0% increase from $334.52M USD in 2024.
Net Earnings Improvement Net earnings reached $32.15M USD, showing 10.4% growth versus prior year results reported.
Insurance Segment Profit Rises Life insurance segment net earnings $29.44M USD, increasing 7% year-over-year due to investment income.
Mortgage Loss Narrows Mortgage segment net loss improved 22% to $(3.87M) USD, driven by reduced losses on loan commitments.

Risk Factors

Internal Control Material Weakness Material weakness identified in ITGCs regarding user access controls and program change management deficiencies.
Cemetery Pre-Need Sales Decline Cemetery pre-need sales decreased $888,000, impacting segment profitability slightly despite mortuary gains.
Mortgage Refinance Slowdown Higher mortgage rates caused expected decrease in loan originations classified as 'refinance' volume, impacting fee income.
Competitive Industry Pressure Life insurance industry competition remains high; smaller size limits diversification of overall risk exposure significantly.

Outlook

Real Estate Development Focus Capitalizing on development opportunities exceeding $100M initial cost in commercial and residential real estate assets.
Share Repurchase Program Active Executed $1.00M Class A share repurchase agreement commencing March 16, 2026, expiring December 2026.
Insurance Strategy Continuation Continue strategic focus on niche insurance products and expanding cemetery and mortuary segment operations.
Earnings Retention Policy Anticipates retaining all earnings for expansion; no cash dividends planned for foreseeable future operations.

Peer Comparison

Revenue (TTM)

PMTS stock ticker logoPMTS
$543.53M
+13.1%
CPSS stock ticker logoCPSS
$434.47M
+10.4%
KINS stock ticker logoKINS
$199.19M
+28.4%

Gross Margin (Latest Quarter)

KINS stock ticker logoKINS
130.2%
-2.6pp
CPSS stock ticker logoCPSS
100.0%
-5.1pp
SWKH stock ticker logoSWKH
98.6%
+4.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
ISTR$262.04M11.48.3%5.4%
FSFG$238.37M10.112.6%19.3%
CBNA$229.53M11.35.0%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.1%
Moderate Growth
4Q Net Income CAGR
46.0%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Mar 30, 2026
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LTM
No Data