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Security National Financial Corporation (SNFCA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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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 | May 11, 2026 | $0.27 | $80M |
| Q2 2026 | Mar 16, 2026 | $0.53 | $83M |
| Q4 2025 | Nov 13, 2025 | $0.31 | $3M |
| Q3 2025 | Aug 14, 2025 | $0.25 | $2M |
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
| Metric | 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 | -4.52M | 470.62K |
NII Growth % | -18.1% | -15.23% | -6.18% | -16.14% | 126.32% | -18.7% | 155.07% | -15.89% | -214.75% | -192.65% |
Net Interest Margin % | -0.61% | -0.66% | -0.55% | -0.55% | 0.15% | 0.13% | 0.33% | 0.26% | -0.29% | 0.03% |
Interest Income | 0 | 0 | 0 | 0 | 9.39M | 9.67M | 9.55M | 8.19M | 0 | 4.87M |
Interest Expense | 6.04M | 6.96M | 7.39M | 8.58M | 7.13M | 7.83M | 4.87M | 4.25M | 4.52M | 4.4M |
Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 96.3M | 47.1M |
Non-Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 344.59M | 162.71M |
Non-Interest Income % | - | - | - | - | 0% | 0% | 0% | 0% | 100% | 97.1% |
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% | 344.59M▲ 4106.2% | 167.58M▲ 0% |
Revenue Growth % | - | - | - | - | - | 2.99% | -1.23% | -14.2% | 4106.21% | 3880.64% |
Non-Interest Expense | -13.57M | -33.14M | -21.33M | -80.03M | -49.54M | -32.54M | -11.62M | -30.17M | 202.36M | 71.19M |
Efficiency Ratio | - | - | - | - | -527.87% | -336.65% | -121.68% | -368.22% | 58.73% | 42.48% |
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% | 41.41M▲ 21.4% | 44.89M▲ 0% |
Operating Margin % | - | - | - | - | 551.93% | 355.64% | 170.73% | 416.29% | 12.02% | 26.79% |
Operating Income Growth % | -61.77% | 247.58% | -46.74% | 412.41% | -27.5% | -33.64% | -52.58% | 109.22% | 21.42% | - |
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% | 41.41M▲ 21.4% | 44.89M▲ 0% |
Pretax Margin % | - | - | - | - | 551.93% | 355.64% | 170.73% | 416.29% | 12.02% | 26.79% |
Income Tax | -6.58M | 4.49M | 3.05M | 15.85M | 12.28M | 8.69M | 1.81M | 7.57M | 9.26M | 10.08M |
Effective Tax Rate % | -87.37% | 17.17% | 21.88% | 22.19% | 23.71% | 25.27% | 11.08% | 22.19% | 22.36% | 22.44% |
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% | 32.15M▲ 21.2% | 34.82M▲ 0% |
Net Margin % | - | - | - | - | 421.07% | 265.78% | 151.82% | 323.91% | 9.33% | 20.78% |
Net Income Growth % | 15.79% | 53.66% | -49.77% | 410.36% | -28.92% | -34.99% | -43.58% | 83.07% | 21.17% | 48.79% |
Net Income (Continuing) | 14.11M | 21.69M | 10.89M | 55.6M | 39.52M | 25.69M | 14.5M | 26.54M | 32.15M | 34.82M |
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% | 1.36▲ 0% |
EPS Growth % | 7.14% | 60% | -50% | 393.75% | -31.22% | -28.22% | -47.86% | 73.77% | 18.87% | 52.37% |
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 | 25.54M |
Security National Financial Corporation (SNFCA) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 | 165.03M | 599.73M |
Cash & Due from Banks | 45.32M | 142.2M | 127.75M | 106.22M | 131.35M | 120.92M | 126.94M | 140.55M | 102.26M | 150.12M |
Short Term Investments | 6.04M | 5.56M | 355.98M | 294.66M | 259.29M | 345.86M | 381.54M | 71.59M | 62.77M | 40.05M |
Total Investments | 211.43M | 195.44M | 252.35M | 266.02M | 293.33M | 323.82M | 291.16M | 318.17M | 463.6M | 425.96M |
Investments Growth % | 35.23% | -7.56% | 29.12% | 5.42% | 10.27% | 10.39% | -10.09% | 9.28% | 45.71% | 102.26% |
Long-Term Investments | 205.39M | 189.88M | -103.63M | -28.63M | 34.04M | -22.04M | -90.38M | 246.58M | 400.83M | 1.41B |
Accounts Receivables | 18.99M | 15.2M | 19.78M | 20.68M | 20.71M | 20.41M | 22.53M | 23.28M | 24.68M | 24.83M |
Goodwill & Intangibles | 24.14M | 23.64M | 22.08M | 40.03M | 61.83M | 11.55M | 11.72M | 12.27M | 11.51M | 7.71M |
Goodwill | 2.77M | 2.77M | 3.52M | 3.52M | 5.25M | 5.25M | 5.25M | 5.25M | 5.25M | 5.25M |
Intangible Assets | 21.38M | 20.87M | 18.56M | 36.51M | 56.57M | 6.3M | 6.46M | 7.02M | 6.26M | 2.46M |
PP&E (Net) | 18.01M | 16.89M | 24.12M | 21.23M | 30.5M | 29.68M | 28.34M | 29.64M | 29.51M | 29.22M |
Other Assets | 659.43M | 652.89M | 883.16M | 1.09B | 997.42M | 931.54M | 942.2M | 959.48M | 900.84M | 912.31M |
Total Current Assets | 75.19M | 167.51M | 508.72M | 427.34M | 423.81M | 510.39M | 538.67M | 241.83M | 219.16M | 245.63M |
Total Non-Current Assets | 906.98M | 883.3M | 825.73M | 1.12B | 1.12B | 950.73M | 891.88M | 1.25B | 1.34B | 1.34B |
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% | 1.56B▲ 4.8% | 1.58B▲ 0% |
Asset Growth % | 3.12% | 6.99% | 26.99% | 16.07% | -0.09% | -5.59% | -2.09% | 4.14% | 4.84% | 18.8% |
Return on Assets (ROA) | 1.46% | 2.13% | 0.91% | 3.86% | 2.55% | 1.71% | 1% | 1.82% | 2.11% | 2.23% |
Accounts Payable | 3.61M | 2.88M | 5.06M | 8.93M | 10.17M | 5.36M | 2.94M | 2.94M | 4.15M | 4.07M |
Total Debt | 157.45M | 187.52M | 217.57M | 297.82M | 251.29M | 161.71M | 105.56M | 106.74M | 98.39M | 108.76M |
Net Debt | 112.14M | 45.32M | 89.82M | 191.6M | 119.93M | 40.79M | -21.39M | -33.81M | -3.87M | -41.36M |
Long-Term Debt | 70.61M | 54.15M | 60.12M | 50.07M | 89.92M | 98.8M | 97.81M | 96.01M | 94.12M | 108.76M |
Short-Term Debt | 86.84M | 133.37M | 157.3M | 247.65M | 161.31M | 62.88M | 7.73M | 10.59M | 4.17M | 0 |
Other Liabilities | 630.01M | 644.27M | 851.84M | 965.12M | 971.86M | 985.02M | 990.93M | 1.02B | 1B | 988.86M |
Total Current Liabilities | 120.1M | 168.07M | 213.01M | 256.58M | 171.47M | 68.24M | 10.67M | 13.52M | 34.24M | 34.17M |
Total Non-Current Liabilities | 713.5M | 710.93M | 924.73M | 1.03B | 1.08B | 1.1B | 1.11B | 1.14B | 1.12B | 1.12B |
Total Liabilities | 833.61M | 879M | 1.14B | 1.28B | 1.25B | 1.17B | 1.12B | 1.15B | 1.15B | 1.16B |
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% | 410.37M▲ 21.1% | 425.52M▲ 0% |
Equity Growth % | 12.08% | 15.64% | 14.49% | 34.2% | 13.55% | -2.33% | 6.87% | 8.27% | 21.13% | 58.34% |
Equity / Assets (Capital Ratio) | 15.13% | 16.35% | 14.74% | 17.04% | 19.37% | 20.04% | 21.87% | 22.74% | 26.27% | 26.92% |
Return on Equity (ROE) | 10.04% | 13.54% | 5.91% | 24.14% | 14.02% | 8.67% | 4.79% | 8.14% | 8.58% | 8.95% |
Book Value per Share | 6.32 | 7.58 | 8.66 | 11.26 | 12.37 | 13.34 | 13.14 | 14.13 | 16.10 | 16.66 |
Tangible BV per Share | 5.29 | 6.54 | 7.69 | 9.55 | 9.82 | 12.81 | 12.65 | 13.62 | 15.65 | 16.36 |
Common Stock | 29.07M | 30.61M | 32.22M | 33.19M | 35.29M | 37.52M | 40.1M | 42.51M | 44.86M | 44.87M |
Additional Paid-in Capital | 38.13M | 41.82M | 46.09M | 50.29M | 57.99M | 64.77M | 72.42M | 79.7M | 89.87M | 90.4M |
Retained Earnings | 77.52M | 95.2M | 101.26M | 153.74M | 184.54M | 202.16M | 206.98M | 225.36M | 248.8M | 255.8M |
Accumulated OCI | 603.17K | -2.82K | 13.73M | 23.24M | 18.07M | -13.07M | -6.89M | -6.95M | 28.76M | 36.84M |
Treasury Stock | -931.08K | -206.4K | -1.58M | -1.83M | -1.85M | -4.37M | -5.66M | -8.48M | -9.09M | -9.55M |
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
| Metric | 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 | 45.54M | 32.98B |
Operating CF Growth % | 24.72% | -84.18% | -1178.6% | -71.46% | 211.58% | -9.81% | -58.7% | 6.39% | -20.55% | 343558.32% |
Net Income | 14.11M | 21.69M | 10.89M | 55.6M | 39.52M | 25.69M | 14.5M | 26.54M | 32.15B | 34.82M |
Depreciation & Amortization | 9.86M | 10.74M | 12.24M | 17.29M | 20.39M | 17.68M | 9.23M | 8.78M | 5.5B | 5.5B |
Deferred Taxes | -7.75M | 0 | 0 | 2.85M | 11.31M | -9.95M | -2.5M | 311.97K | 1.45B | 1.45B |
Other Non-Cash Items | 5.69M | -51.26M | -119.44M | -258.04M | 82.84M | 64.5M | 4.39M | -14.02M | -40.42B | -682.91M |
Working Capital Changes | 22.01M | 25.61M | 20.45M | 52.31M | -9.54M | 26.55M | 27.66M | 34.91M | 37.85M | 0 |
Cash from Investing | -38.97M | 63.31M | 38.1M | 36.14M | -63.61M | -37.16M | 14.61M | -43.13M | -67.21M | 7.67B |
Purchase of Investments | -99.4M | -40.84M | -113.87M | -65.48M | -20.81M | -928.54M | -749.93M | -88.33M | -69.61B | 7.09B |
Sale/Maturity of Investments | 85.63M | 35.88M | 29.26M | 135.17M | 51.88M | 892.9M | 49.31M | 103.36M | 1.97B | -2.86B |
Net Investment Activity | -13.77M | -4.96M | -84.6M | 69.69M | 31.08M | -35.63M | -700.62M | 15.03M | -67.63B | 4.23B |
Acquisitions | 0 | -3.41M | -20.14M | 0 | -12.63M | 0 | 0 | 0 | 0 | 0 |
Other Investing | -24.29M | 72.96M | 144.68M | -31.91M | -76.84M | 69.25K | 716.34M | -55.69M | 69.26B | 3.29B |
Cash from Financing | 2.21M | 26.12M | 24.3M | 71.21M | -55.08M | -101.22M | -62.04M | -4.01M | -14.32M | 7.3B |
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 | -1.61M | -2.15M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 106.01K | 31.41K |
Net Stock Activity | -382.73K | -215.52K | -1.54M | -2.97M | -5.77M | -7.66M | -2.85M | -3.05M | -1.5M | -2.12M |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 926.13K | -1000K | 236.49K |
Other Financing | -2.69M | -3.73M | -3.91M | -5.89M | -2.69M | -3.92M | -2.95M | -1.88M | -4.36M | 7.32B |
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% | -38.29M▼ 476.2% | 47.96B▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.3M | 2.39M |
Cash at Beginning | 46.94M | 54.5M | 150.94M | 137.74M | 115.47M | 141.41M | 133.48M | 139.92M | 140.55M | 114.11B |
Cash at End | 54.5M | 150.94M | 137.74M | 115.47M | 141.41M | 133.48M | 139.92M | 150.1M | 102.26M | 162.1B |
Interest Paid | 5.98M | 6.88M | 7.28M | 8.39M | 7.29M | 7.7M | 5.14M | 4.2M | 4.54M | 2.4M |
Income Taxes Paid | 581.56K | 5.7M | 4.86M | 11.81M | 5.13M | 729.69K | 20.41M | 8.23M | 6.54M | 6.54M |
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% | 43.85M▼ 20.1% | 32.78B▲ 0% |
FCF Growth % | 35.78% | -86.81% | -1452.32% | -69.49% | 206.22% | -7.58% | -59.05% | 3.95% | -20.06% | 83592.15% |
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% | 8.58% | 8.95% |
Return on Assets (ROA) | 1.46% | 2.13% | 0.91% | 3.86% | 2.55% | 1.71% | 1% | 1.82% | 2.11% | 2.23% |
Net Interest Margin | -0.61% | -0.66% | -0.55% | -0.55% | 0.15% | 0.13% | 0.33% | 0.26% | -0.29% | 0.03% |
Efficiency Ratio | - | - | - | - | -527.87% | -336.65% | -121.68% | -368.22% | 58.73% | 42.48% |
Equity / Assets | 15.13% | 16.35% | 14.74% | 17.04% | 19.37% | 20.04% | 21.87% | 22.74% | 26.27% | 26.92% |
Book Value / Share | 6.32 | 7.58 | 8.66 | 11.26 | 12.37 | 13.34 | 13.14 | 14.13 | 16.1 | 16.66 |
NII Growth | -18.1% | -15.23% | -6.18% | -16.14% | 126.32% | -18.7% | 155.07% | -15.89% | -214.75% | -80.09% |
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 4106.2% over the past year. This is strong growth.
Yes, Security National Financial Corporation (SNFCA) is profitable, generating $34.8M in net income for fiscal year 2025 (9.3% net margin).
Security National Financial Corporation (SNFCA) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.
Security National Financial Corporation (SNFCA) has a net interest margin (NIM) of -0.3%. NIM has been under pressure due to interest rate environment.
Security National Financial Corporation (SNFCA) has an efficiency ratio of 58.7%. This is reasonable for a bank.