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6Jul 1, 2025·SEC
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Security National Financial Corporation (SNFCA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Security National Financial Corporation (SNFCA) stock price & volume — 10-year historical chart
Security National Financial Corporation (SNFCA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Security National Financial Corporation (SNFCA) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 16, 2026 | $0.53 | $83M |
| Q4 2025 | Nov 13, 2025 | $0.31 | $3M |
| Q3 2025 | Aug 14, 2025 | $0.25 | $2M |
| Q2 2025 | May 15, 2025 | $0.17 | $83M |
Security National Financial Corporation (SNFCA) competitors in Commercial and multifamily mortgage lenders — business model, growth, and fundamentals comparison
Security National Financial Corporation (SNFCA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Security National Financial Corporation (SNFCA) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -6.04M | -6.96M | -7.39M | -8.58M | 2.26M | 1.84M | 4.68M | 3.94M | 0 | 2.38M |
| NII Growth % | -18.1% | -15.23% | -6.18% | -16.14% | 126.32% | -18.7% | 155.07% | -15.89% | -100% | -196.33% |
| Net Interest Margin % | -0.61% | -0.66% | -0.55% | -0.55% | 0.15% | 0.13% | 0.33% | 0.26% | - | 0.15% |
| Interest Income | 0 | 0 | 0 | 0 | 9.39M | 9.67M | 9.55M | 8.19M | 0 | 6.95M |
| Interest Expense | 6.04M | 6.96M | 7.39M | 8.58M | 7.13M | 7.83M | 4.87M | 4.25M | 4.52B | 4.57M |
| Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4.52B | 133.74K |
| Non-Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 344.59B | 82.74M |
| Non-Interest Income % | - | - | - | - | 0% | 0% | 0% | 0% | 100% | 92.25% |
| Total Revenue | 0▲ 0% | 0▲ 0% | 0▲ 0% | 0▲ 0% | 9.39M▲ 0% | 9.67M▲ 3.0% | 9.55M▼ 1.2% | 8.19M▼ 14.2% | 344.59B▲ 4206109.6% | 89.69M▲ 0% |
| Revenue Growth % | - | - | - | - | - | 2.99% | -1.23% | -14.2% | 4206109.6% | 5393.25% |
| Non-Interest Expense | -13.57M | -33.14M | -21.33M | -80.03M | -49.54M | -32.54M | -11.62M | -30.17M | 3.51B | 61.05M |
| Efficiency Ratio | - | - | - | - | -527.87% | -336.65% | -121.68% | -368.22% | 1.02% | 68.06% |
| Operating Income | 7.53M▲ 0% | 26.18M▲ 247.6% | 13.94M▼ 46.7% | 71.45M▲ 412.4% | 51.8M▼ 27.5% | 34.38M▼ 33.6% | 16.3M▼ 52.6% | 34.1M▲ 109.2% | 0▼ 100.0% | 23.94M▲ 0% |
| Operating Margin % | - | - | - | - | 551.93% | 355.64% | 170.73% | 416.29% | 0% | 26.69% |
| Operating Income Growth % | -61.77% | 247.58% | -46.74% | 412.41% | -27.5% | -33.64% | -52.58% | 109.22% | -100% | - |
| Pretax Income | 7.53M▲ 0% | 26.18M▲ 247.6% | 13.94M▼ 46.7% | 71.45M▲ 412.4% | 51.8M▼ 27.5% | 34.38M▼ 33.6% | 16.3M▼ 52.6% | 34.1M▲ 109.2% | 41.41B▲ 121322.4% | 23.94M▲ 0% |
| Pretax Margin % | - | - | - | - | 551.93% | 355.64% | 170.73% | 416.29% | 12.02% | 26.69% |
| Income Tax | -6.58M | 4.49M | 3.05M | 15.85M | 12.28M | 8.69M | 1.81M | 7.57M | -9.26B | 5.32M |
| Effective Tax Rate % | -87.37% | 17.17% | 21.88% | 22.19% | 23.71% | 25.27% | 11.08% | 22.19% | -22.36% | 22.23% |
| Net Income | 14.11M▲ 0% | 21.69M▲ 53.7% | 10.89M▼ 49.8% | 55.6M▲ 410.4% | 39.52M▼ 28.9% | 25.69M▼ 35.0% | 14.5M▼ 43.6% | 26.54M▲ 83.1% | 32.15B▲ 121066.0% | 18.62M▲ 0% |
| Net Margin % | - | - | - | - | 421.07% | 265.78% | 151.82% | 323.91% | 9.33% | 20.76% |
| Net Income Growth % | 15.79% | 53.66% | -49.77% | 410.36% | -28.92% | -34.99% | -43.58% | 83.07% | 121066.01% | -36.76% |
| Net Income (Continuing) | 14.11M | 21.69M | 10.89M | 55.6M | 39.52M | 25.69M | 14.5M | 26.54M | 32.15B | 18.62M |
| EPS (Diluted) | 0.60▲ 0% | 0.96▲ 60.0% | 0.48▼ 50.0% | 2.37▲ 393.8% | 1.63▼ 31.2% | 1.17▼ 28.2% | 0.61▼ 47.9% | 1.06▲ 73.8% | 1.26▲ 18.9% | 0.73▲ 0% |
| EPS Growth % | 7.14% | 60% | -50% | 393.75% | -31.22% | -28.22% | -47.86% | 73.77% | 18.87% | -39.49% |
| EPS (Basic) | 0.61 | 0.92 | 0.51 | 2.43 | 1.70 | 1.10 | 0.63 | 1.09 | 1.30 | - |
| Diluted Shares Outstanding | 23.52M | 22.66M | 22.72M | 23.45M | 24.23M | 21.95M | 23.81M | 23.98M | 25.48M | 25.4M |
Security National Financial Corporation (SNFCA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 51.35M | 147.76M | 483.73M | 400.88M | 390.64M | 466.78M | 508.48M | 212.14M | 0 | 634.81M |
| Cash & Due from Banks | 45.32M | 142.2M | 127.75M | 106.22M | 131.35M | 120.92M | 126.94M | 140.55M | 0 | 100.4M |
| Short Term Investments | 6.04M | 5.56M | 355.98M | 294.66M | 259.29M | 345.86M | 381.54M | 71.59M | 0 | 28.02M |
| Total Investments | 211.43M | 195.44M | 252.35M | 266.02M | 293.33M | 323.82M | 291.16M | 318.17M | 0 | 345.13M |
| Investments Growth % | 35.23% | -7.56% | 29.12% | 5.42% | 10.27% | 10.39% | -10.09% | 9.28% | -100% | 56.01% |
| Long-Term Investments | 205.39M | 189.88M | -103.63M | -28.63M | 34.04M | -22.04M | -90.38M | 246.58M | 0 | 1.16B |
| Accounts Receivables | 18.99M | 15.2M | 19.78M | 20.68M | 20.71M | 20.41M | 22.53M | 23.28M | 0 | 23.16M |
| Goodwill & Intangibles | 24.14M | 23.64M | 22.08M | 40.03M | 61.83M | 11.55M | 11.72M | 12.27M | 0 | 7.87M |
| Goodwill | 2.77M | 2.77M | 3.52M | 3.52M | 5.25M | 5.25M | 5.25M | 5.25M | 0 | 5.25M |
| Intangible Assets | 21.38M | 20.87M | 18.56M | 36.51M | 56.57M | 6.3M | 6.46M | 7.02M | 0 | 2.62M |
| PP&E (Net) | 18.01M | 16.89M | 24.12M | 21.23M | 30.5M | 29.68M | 28.34M | 29.64M | 0 | 29.91M |
| Other Assets | 659.43M | 652.89M | 883.16M | 1.09B | 997.42M | 931.54M | 942.2M | 959.48M | 0 | 1.05B |
| Total Current Assets | 75.19M | 167.51M | 508.72M | 427.34M | 423.81M | 510.39M | 538.67M | 241.83M | 0 | 157.24M |
| Total Non-Current Assets | 906.98M | 883.3M | 825.73M | 1.12B | 1.12B | 950.73M | 891.88M | 1.25B | 0 | 1.41B |
| Total Assets | 982.17M▲ 0% | 1.05B▲ 7.0% | 1.33B▲ 27.0% | 1.55B▲ 16.1% | 1.55B▼ 0.1% | 1.46B▼ 5.6% | 1.43B▼ 2.1% | 1.49B▲ 4.1% | 0▼ 100.0% | 1.56B▲ 0% |
| Asset Growth % | 3.12% | 6.99% | 26.99% | 16.07% | -0.09% | -5.59% | -2.09% | 4.14% | -100% | 19.78% |
| Return on Assets (ROA) | 1.46% | 2.13% | 0.91% | 3.86% | 2.55% | 1.71% | 1% | 1.82% | - | 1.22% |
| Accounts Payable | 3.61M | 2.88M | 5.06M | 8.93M | 10.17M | 5.36M | 2.94M | 2.94M | 4.15B | 5.54M |
| Total Debt | 157.45M | 187.52M | 217.57M | 297.82M | 251.29M | 161.71M | 105.56M | 106.74M | 0 | 123.1M |
| Net Debt | 112.14M | 45.32M | 89.82M | 191.6M | 119.93M | 40.79M | -21.39M | -33.81M | 0 | 22.7M |
| Long-Term Debt | 70.61M | 54.15M | 60.12M | 50.07M | 89.92M | 98.8M | 97.81M | 96.01M | 0 | 123.1M |
| Short-Term Debt | 86.84M | 133.37M | 157.3M | 247.65M | 161.31M | 62.88M | 7.73M | 10.59M | 0 | 0 |
| Other Liabilities | 630.01M | 644.27M | 851.84M | 965.12M | 971.86M | 985.02M | 990.93M | 1.02B | 1.1T | 1.05B |
| Total Current Liabilities | 120.1M | 168.07M | 213.01M | 256.58M | 171.47M | 68.24M | 10.67M | 13.52M | 53.06B | 5.54M |
| Total Non-Current Liabilities | 713.5M | 710.93M | 924.73M | 1.03B | 1.08B | 1.1B | 1.11B | 1.14B | 1.1T | 1.19B |
| Total Liabilities | 833.61M | 879M | 1.14B | 1.28B | 1.25B | 1.17B | 1.12B | 1.15B | 1.15T | 1.2B |
| Total Equity | 148.57M▲ 0% | 171.81M▲ 15.6% | 196.71M▲ 14.5% | 263.99M▲ 34.2% | 299.77M▲ 13.6% | 292.79M▼ 2.3% | 312.9M▲ 6.9% | 338.78M▲ 8.3% | 410.37B▲ 121030.5% | 365.38M▲ 0% |
| Equity Growth % | 12.08% | 15.64% | 14.49% | 34.2% | 13.55% | -2.33% | 6.87% | 8.27% | 121030.52% | 30.92% |
| Equity / Assets (Capital Ratio) | 15.13% | 16.35% | 14.74% | 17.04% | 19.37% | 20.04% | 21.87% | 22.74% | - | 23.38% |
| Return on Equity (ROE) | 10.04% | 13.54% | 5.91% | 24.14% | 14.02% | 8.67% | 4.79% | 8.14% | 15.66% | 5.3% |
| Book Value per Share | 6.32 | 7.58 | 8.66 | 11.26 | 12.37 | 13.34 | 13.14 | 14.13 | 16103.00 | 14.38 |
| Tangible BV per Share | 5.29 | 6.54 | 7.69 | 9.55 | 9.82 | 12.81 | 12.65 | 13.62 | 16103.00 | 14.07 |
| Common Stock | 29.07M | 30.61M | 32.22M | 33.19M | 35.29M | 37.52M | 40.1M | 42.51M | 59.21B | 44.79M |
| Additional Paid-in Capital | 38.13M | 41.82M | 46.09M | 50.29M | 57.99M | 64.77M | 72.42M | 79.7M | 0 | 89.44M |
| Retained Earnings | 77.52M | 95.2M | 101.26M | 153.74M | 184.54M | 202.16M | 206.98M | 225.36M | 248.8B | 232.86M |
| Accumulated OCI | 603.17K | -2.82K | 13.73M | 23.24M | 18.07M | -13.07M | -6.89M | -6.95M | 28.76B | 826.84K |
| Treasury Stock | -931.08K | -206.4K | -1.58M | -1.83M | -1.85M | -4.37M | -5.66M | -8.48M | 0 | -9.71M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Security National Financial Corporation (SNFCA) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 44.32M | 7.01M | -75.6M | -129.63M | 144.64M | 130.45M | 53.88M | 57.32M | 45.54B | 45.54B |
| Operating CF Growth % | 24.72% | -84.18% | -1178.6% | -71.46% | 211.58% | -9.81% | -58.7% | 6.39% | 79348.74% | -48.11% |
| Net Income | 14.11M | 21.69M | 10.89M | 55.6M | 39.52M | 25.69M | 14.5M | 26.54M | 32.15B | 18.62M |
| Depreciation & Amortization | 9.86M | 10.74M | 12.24M | 17.29M | 20.39M | 17.68M | 9.23M | 8.78M | 5.5B | 0 |
| Deferred Taxes | -7.75M | 0 | 0 | 2.85M | 11.31M | -9.95M | -2.5M | 311.97K | 1.45B | 0 |
| Other Non-Cash Items | 5.69M | -51.26M | -119.44M | -258.04M | 82.84M | 64.5M | 4.39M | -14.02M | 5.11B | 10.77M |
| Working Capital Changes | 22.01M | 25.61M | 20.45M | 52.31M | -9.54M | 26.55M | 27.66M | 34.91M | 0 | 34.91M |
| Cash from Investing | -38.97M | 63.31M | 38.1M | 36.14M | -63.61M | -37.16M | 14.61M | -43.13M | -67.21B | -133.45M |
| Purchase of Investments | -99.4M | -40.84M | -113.87M | -65.48M | -20.81M | -928.54M | -749.93M | -88.33M | -69.61B | -341.54M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -98.4M | -39.84M | -112.87M | -64.48M | -19.81M | -927.54M | -748.93M | -87.33M | -69.61B | -337.54M |
| Acquisitions | 0 | -3.41M | -20.14M | 0 | -12.63M | 0 | 0 | 0 | 0 | -70.27K |
| Other Investing | -24.29M | 72.96M | 144.68M | -31.91M | -76.84M | 69.25K | 716.34M | -55.69M | 2.12B | -60.77M |
| Cash from Financing | 2.21M | 26.12M | 24.3M | 71.21M | -55.08M | -101.22M | -62.04M | -4.01M | 0 | 9.18M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -382.73K | -215.52K | -1.54M | -2.97M | -5.77M | -7.66M | -2.85M | -3.05M | 0 | -2.99M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81.25K |
| Net Stock Activity | -382.73K | -215.52K | -1.54M | -2.97M | -5.77M | -7.66M | -2.85M | -3.05M | 0 | -2.9M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 926.13K | 0 | 963.47K |
| Other Financing | -2.69M | -3.73M | -3.91M | -5.89M | -2.69M | -3.92M | -2.95M | -1.88M | 0 | -3.95M |
| Net Change in Cash | 7.56M▲ 0% | 96.43M▲ 1175.7% | -13.2M▼ 113.7% | -22.27M▼ 68.7% | 25.95M▲ 216.5% | -7.93M▼ 130.6% | 6.44M▲ 181.2% | 10.18M▲ 58.1% | 0▼ 100.0% | -77.09M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1000K |
| Cash at Beginning | 46.94M | 54.5M | 150.94M | 137.74M | 115.47M | 141.41M | 133.48M | 139.92M | 0 | 92.4M |
| Cash at End | 54.5M | 150.94M | 137.74M | 115.47M | 141.41M | 133.48M | 139.92M | 150.1M | 0 | 114.64M |
| Interest Paid | 5.98M | 6.88M | 7.28M | 8.39M | 7.29M | 7.7M | 5.14M | 4.2M | 0 | 3.47M |
| Income Taxes Paid | 581.56K | 5.7M | 4.86M | 11.81M | 5.13M | 729.69K | 20.41M | 8.23M | 0 | -2.33M |
| Free Cash Flow | 43.41M▲ 0% | 5.73M▼ 86.8% | -77.44M▼ 1452.3% | -131.26M▼ 69.5% | 139.42M▲ 206.2% | 128.85M▼ 7.6% | 52.77M▼ 59.0% | 54.85M▲ 4.0% | 43.85B▲ 79843.1% | 46.49M▲ 0% |
| FCF Growth % | 35.78% | -86.81% | -1452.32% | -69.49% | 206.22% | -7.58% | -59.05% | 3.95% | 79843.06% | -33.1% |
Security National Financial Corporation (SNFCA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.04% | 13.54% | 5.91% | 24.14% | 14.02% | 8.67% | 4.79% | 8.14% | 15.66% | 5.3% |
| Return on Assets (ROA) | 1.46% | 2.13% | 0.91% | 3.86% | 2.55% | 1.71% | 1% | 1.82% | - | 1.22% |
| Net Interest Margin | -0.61% | -0.66% | -0.55% | -0.55% | 0.15% | 0.13% | 0.33% | 0.26% | - | 0.15% |
| Efficiency Ratio | - | - | - | - | -527.87% | -336.65% | -121.68% | -368.22% | 1.02% | 68.06% |
| Equity / Assets | 15.13% | 16.35% | 14.74% | 17.04% | 19.37% | 20.04% | 21.87% | 22.74% | - | 23.38% |
| Book Value / Share | 6.32 | 7.58 | 8.66 | 11.26 | 12.37 | 13.34 | 13.14 | 14.13 | 16.1K | 14.38 |
| NII Growth | -18.1% | -15.23% | -6.18% | -16.14% | 126.32% | -18.7% | 155.07% | -15.89% | -100% | 163.89% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
Security National Financial Corporation (SNFCA) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 1, 2025·SEC
Jun 30, 2025·SEC
Jun 24, 2024·SEC
Security National Financial Corporation (SNFCA) stock FAQ — growth, dividends, profitability & financials explained
Security National Financial Corporation (SNFCA) grew revenue by 4206109.6% over the past year. This is strong growth.
Yes, Security National Financial Corporation (SNFCA) is profitable, generating $18.6M in net income for fiscal year 2025 (9.3% net margin).
Security National Financial Corporation (SNFCA) has a return on equity (ROE) of 15.7%. This is reasonable for most industries.
Security National Financial Corporation (SNFCA) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Security National Financial Corporation (SNFCA) has an efficiency ratio of 1.0%. This is excellent, indicating strong cost control.
Security National Financial Corporation (SNFCA) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates