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
Market Cap
$208.75M
P/E (TTM)
6.2
5.6
Dividend Yield
--
52W High
$12.38
52W Low
$7.32
52W Range
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)
$543.53M
$434.47M
$199.19M
Gross Margin (Latest Quarter)
130.2%
100.0%
98.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| ISTR | $262.04M | 11.4 | 8.3% | 5.4% |
| FSFG | $238.37M | 10.1 | 12.6% | 19.3% |
| CBNA | $229.53M | 11.3 | 5.0% | 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
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data