
Security National Financial Corporation
NASDAQ•SNFCA
CEO: Mr. Scott Milton Quist
セクター: Financial Services
業種: Financial - Mortgages
上場日: 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.
連絡先情報
433 West Ascension Way, Salt Lake City, UT, 84123, United States
801-264-1060
時価総額
$204.27M
PER (TTM)
12.1
1.3
配当利回り
--
52週高値
$12.71
52週安値
$7.32
52週レンジ
順位29Top 17.8%
5.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q3 2025 データ
売上高
$2.50M+6.05%
直近4四半期の推移
EPS
$0.32-34.69%
直近4四半期の推移
フリーCF
$24.94M-6.37%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Consolidated Revenue Growth Total consolidated revenues increased 2.5% for nine months, reaching $261.61M versus $255.25M prior year.
Investment Income Rises Nine-month net investment income grew 7.4% to $59.893M, driven by higher mortgage loan interest earnings.
Mortgage Fee Income Up Mortgage fee income increased 2.2% to $83.434M for nine months, boosted by $6.130M in secondary gains.
Total Assets Increase Total assets reached $1.563B as of September 30, 2025, up from $1.490B at year-end 2024.
リスク要因
Net Earnings Decline Sharply Nine-month net earnings fell 27% to $18.66M; three-month net earnings dropped 34% to $7.82M.
Warehouse Line Covenant Breach Mortgage subsidiary non-compliant with Western Alliance tangible net worth covenant; actively seeking necessary waivers now.
Acquisition Cost Amortization Deferred acquisition cost amortization increased 142.0% (9M) due to changes in termination rates and product mix.
Mortgage Derivative Losses Segment net earnings loss driven by $3.452M decrease in fair value of loans held for sale (9M).
見通し
New Accounting Standard Adoption Nearing completion of ASU 2018-12 adoption, expecting $4M to $6M increase to total stockholders' equity January 1, 2024.
Liquidity Position Adequate Cash flow deemed adequate to fund long-term liabilities; company has sufficient funds despite warehouse line covenant issue.
Investment Duration Matching Strategy focuses on matching investment duration, primarily fixed maturity securities, with policyholder liability terms.
同業比較
売上高 (TTM)
$515.58M
$430.36M
$200.55M
粗利益率 (最新四半期)
98.6%
CBNA91.8%
72.6%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| ISTR | $296.21M | 12.9 | 8.3% | 5.4% |
| CFFI | $251.09M | 9.4 | 10.8% | 4.1% |
| LCNB | $249.54M | 10.7 | 8.7% | 5.3% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
6.2%
安定成長
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年3月30日
EPS:-
|売上高:-
財務レポート
財務データ
ニュース
全年度
Form 10-Q - Q3 2025
会計期末: 2025年9月30日|提出日: 2025年11月13日|売上高: $2.50M+6.0%|EPS: $0.32-34.7%不明Form 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年8月14日|売上高: $2.37M+4.5%|EPS: $0.26-13.3%不明Form 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年5月15日|売上高: $82.74M+5479.9%|EPS: $0.18-43.8%不明Form 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年3月31日|売上高: $8.19M-14.2%|EPS: $1.09+73.0%不明Form 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年11月14日|売上高: $2.36M-97.1%|EPS: $0.49+172.2%予想を下回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年8月14日|売上高: $2.26M-13.6%|EPS: $0.30+15.4%予想を下回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年5月14日|売上高: $1.48M-26.1%|EPS: $0.32+499.3%不明Form 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年3月29日|売上高: $9.55M-1.2%|EPS: $0.63-42.7%不明