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SNFCASecurity National Financial Corporation
$9.56$204M
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SNFCA logoSecurity National Financial Corporation(SNFCA)Earnings, Financials & Key Ratios

SNFCA•NASDAQ•Banking & Credit
7.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryCommercial and multifamily mortgage lenders
AboutSecurity 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 policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eleven 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.Show more
  • Net Interest Income-$5M-214.7%
  • Total Revenue$345M+4106.2%
  • Net Income$32M+21.2%
  • Return on Equity8.58%+5.4%
  • Net Interest Margin-0.29%-209.5%
  • Efficiency Ratio58.73%+115.9%
  • ROA2.11%+16.0%
  • Equity / Assets26.27%+15.5%
  • Book Value per Share16.10+14.0%

SNFCA Key Insights

Security National Financial Corporation (SNFCA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Well capitalized: 26.3% equity/assets
  • ✓Diversified revenue: 100.0% from non-interest income
  • ✓Trading near 52-week high
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗Profits declining 10.4% over 5 years
  • ✗Weak NIM of -0.3%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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SNFCA Price & Volume

Security National Financial Corporation (SNFCA) stock price & volume — 10-year historical chart

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SNFCA Growth Metrics

Security National Financial Corporation (SNFCA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-
3 Years229.12%
TTM-

Profit CAGR

10 Years9.19%
5 Years-10.37%
3 Years7.77%
TTM48.79%

EPS CAGR

10 Years7.35%
5 Years-11.87%
3 Years2.5%
TTM52.37%

Return on Capital

10 Years2.64%
5 Years2.53%
3 Years2.09%
Last Year2.76%

SNFCA Recent Earnings

Security National Financial Corporation (SNFCA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
May 11, 2026
Metric
Actual
Est
EPS
$0.27
—
Rev
$80M
—
Q2 2026
Mar 16, 2026
Metric
Actual
Est
EPS
$0.53
—
Rev
$83M
—
Q4 2025
Nov 13, 2025
Metric
Actual
Est
EPS
$0.31
—
Rev
$3M
—
Q3 2025
Aug 14, 2025
Metric
Actual
Est
EPS
$0.25
—
Rev
$2M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 11, 2026
$0.27
$80M
Q2 2026Mar 16, 2026
$0.53
$83M
Q4 2025Nov 13, 2025
$0.31
$3M
Q3 2025Aug 14, 2025
$0.25
$2M
Based on last 12 quarters of dataView full earnings history →

SNFCA Peer Comparison

Security National Financial Corporation (SNFCA) competitors in Commercial and multifamily mortgage lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
TPVG logoTPVGTriplePoint Venture Growth BDC Corp.Direct Competitor202.99M5.004.1036.55%-19.55%-3.39%1.33
KINS logoKINSKingstone Companies, Inc.Direct Competitor235.38M16.255.6428.39%14.91%0.11%0.04
GBLI logoGBLIGlobal Indemnity Group, LLCDirect Competitor363.66M25.3414.482.02%7.45%0.02%0.01
STC logoSTCStewart Information Services CorporationProduct Competitor2.03B66.4616.4517.32%3.96%7.72%0.54
PFSI logoPFSIPennyMac Financial Services, Inc.Product Competitor4.3B82.388.86173.81%14.31%12.02%5.35
GHLD logoGHLDGuild Holdings CompanyProduct Competitor439.06M20.0112.8360.87%9.71%10.27%2.42
UWMC logoUWMCUWM Holdings CorporationProduct Competitor345.31M2.2218.5065.83%1.16%1.67%9.06
LMND logoLMNDLemonade, Inc.Product Competitor4.52B58.84-25.5840.15%-16.92%-26.52%0.34

Compare SNFCA vs Peers

Security National Financial Corporation (SNFCA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TPVG

Most directly comparable listed peer for SNFCA.

Scale Benchmark

vs GL

Larger-name benchmark to compare SNFCA against a more recognizable public peer.

Peer Set

Compare Top 5

vs TPVG, KINS, GBLI, STC

SNFCA Income Statement

Security National Financial Corporation (SNFCA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
-6.04M-6.96M-7.39M-8.58M2.26M1.84M4.68M3.94M-4.52M470.62K
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
00009.39M9.67M9.55M8.19M04.87M
Interest Expense
6.04M6.96M7.39M8.58M7.13M7.83M4.87M4.25M4.52M4.4M
Loan Loss Provision
0000000096.3M47.1M
Non-Interest Income
00000000344.59M162.71M
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-30.17M202.36M71.19M
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
-6.58M4.49M3.05M15.85M12.28M8.69M1.81M7.57M9.26M10.08M
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)
14.11M21.69M10.89M55.6M39.52M25.69M14.5M26.54M32.15M34.82M
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)
0.610.920.512.431.701.100.631.091.30-
Diluted Shares Outstanding
23.52M22.66M22.72M23.45M24.23M21.95M23.81M23.98M25.48M25.54M

SNFCA Balance Sheet

Security National Financial Corporation (SNFCA) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
51.35M147.76M483.73M400.88M390.64M466.78M508.48M212.14M165.03M599.73M
Cash & Due from Banks
45.32M142.2M127.75M106.22M131.35M120.92M126.94M140.55M102.26M150.12M
Short Term Investments
6.04M5.56M355.98M294.66M259.29M345.86M381.54M71.59M62.77M40.05M
Total Investments
211.43M195.44M252.35M266.02M293.33M323.82M291.16M318.17M463.6M425.96M
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
205.39M189.88M-103.63M-28.63M34.04M-22.04M-90.38M246.58M400.83M1.41B
Accounts Receivables
18.99M15.2M19.78M20.68M20.71M20.41M22.53M23.28M24.68M24.83M
Goodwill & Intangibles
24.14M23.64M22.08M40.03M61.83M11.55M11.72M12.27M11.51M7.71M
Goodwill
2.77M2.77M3.52M3.52M5.25M5.25M5.25M5.25M5.25M5.25M
Intangible Assets
21.38M20.87M18.56M36.51M56.57M6.3M6.46M7.02M6.26M2.46M
PP&E (Net)
18.01M16.89M24.12M21.23M30.5M29.68M28.34M29.64M29.51M29.22M
Other Assets
659.43M652.89M883.16M1.09B997.42M931.54M942.2M959.48M900.84M912.31M
Total Current Assets
75.19M167.51M508.72M427.34M423.81M510.39M538.67M241.83M219.16M245.63M
Total Non-Current Assets
906.98M883.3M825.73M1.12B1.12B950.73M891.88M1.25B1.34B1.34B
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
3.61M2.88M5.06M8.93M10.17M5.36M2.94M2.94M4.15M4.07M
Total Debt
157.45M187.52M217.57M297.82M251.29M161.71M105.56M106.74M98.39M108.76M
Net Debt
112.14M45.32M89.82M191.6M119.93M40.79M-21.39M-33.81M-3.87M-41.36M
Long-Term Debt
70.61M54.15M60.12M50.07M89.92M98.8M97.81M96.01M94.12M108.76M
Short-Term Debt
86.84M133.37M157.3M247.65M161.31M62.88M7.73M10.59M4.17M0
Other Liabilities
630.01M644.27M851.84M965.12M971.86M985.02M990.93M1.02B1B988.86M
Total Current Liabilities
120.1M168.07M213.01M256.58M171.47M68.24M10.67M13.52M34.24M34.17M
Total Non-Current Liabilities
713.5M710.93M924.73M1.03B1.08B1.1B1.11B1.14B1.12B1.12B
Total Liabilities
833.61M879M1.14B1.28B1.25B1.17B1.12B1.15B1.15B1.16B
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
6.327.588.6611.2612.3713.3413.1414.1316.1016.66
Tangible BV per Share
5.296.547.699.559.8212.8112.6513.6215.6516.36
Common Stock
29.07M30.61M32.22M33.19M35.29M37.52M40.1M42.51M44.86M44.87M
Additional Paid-in Capital
38.13M41.82M46.09M50.29M57.99M64.77M72.42M79.7M89.87M90.4M
Retained Earnings
77.52M95.2M101.26M153.74M184.54M202.16M206.98M225.36M248.8M255.8M
Accumulated OCI
603.17K-2.82K13.73M23.24M18.07M-13.07M-6.89M-6.95M28.76M36.84M
Treasury Stock
-931.08K-206.4K-1.58M-1.83M-1.85M-4.37M-5.66M-8.48M-9.09M-9.55M
Preferred Stock
0000000000

SNFCA Cash Flow Statement

Security National Financial Corporation (SNFCA) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
44.32M7.01M-75.6M-129.63M144.64M130.45M53.88M57.32M45.54M32.98B
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
14.11M21.69M10.89M55.6M39.52M25.69M14.5M26.54M32.15B34.82M
Depreciation & Amortization
9.86M10.74M12.24M17.29M20.39M17.68M9.23M8.78M5.5B5.5B
Deferred Taxes
-7.75M002.85M11.31M-9.95M-2.5M311.97K1.45B1.45B
Other Non-Cash Items
5.69M-51.26M-119.44M-258.04M82.84M64.5M4.39M-14.02M-40.42B-682.91M
Working Capital Changes
22.01M25.61M20.45M52.31M-9.54M26.55M27.66M34.91M37.85M0
Cash from Investing
-38.97M63.31M38.1M36.14M-63.61M-37.16M14.61M-43.13M-67.21M7.67B
Purchase of Investments
-99.4M-40.84M-113.87M-65.48M-20.81M-928.54M-749.93M-88.33M-69.61B7.09B
Sale/Maturity of Investments
85.63M35.88M29.26M135.17M51.88M892.9M49.31M103.36M1.97B-2.86B
Net Investment Activity
-13.77M-4.96M-84.6M69.69M31.08M-35.63M-700.62M15.03M-67.63B4.23B
Acquisitions
0-3.41M-20.14M0-12.63M00000
Other Investing
-24.29M72.96M144.68M-31.91M-76.84M69.25K716.34M-55.69M69.26B3.29B
Cash from Financing
2.21M26.12M24.3M71.21M-55.08M-101.22M-62.04M-4.01M-14.32M7.3B
Dividends Paid
0000000000
Share Repurchases
-382.73K-215.52K-1.54M-2.97M-5.77M-7.66M-2.85M-3.05M-1.61M-2.15M
Stock Issued
00000000106.01K31.41K
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)
1000K1000K1000K1000K-1000K-1000K-1000K926.13K-1000K236.49K
Other Financing
-2.69M-3.73M-3.91M-5.89M-2.69M-3.92M-2.95M-1.88M-4.36M7.32B
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
00000000-2.3M2.39M
Cash at Beginning
46.94M54.5M150.94M137.74M115.47M141.41M133.48M139.92M140.55M114.11B
Cash at End
54.5M150.94M137.74M115.47M141.41M133.48M139.92M150.1M102.26M162.1B
Interest Paid
5.98M6.88M7.28M8.39M7.29M7.7M5.14M4.2M4.54M2.4M
Income Taxes Paid
581.56K5.7M4.86M11.81M5.13M729.69K20.41M8.23M6.54M6.54M
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%

SNFCA Banking Ratios

Security National Financial Corporation (SNFCA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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
6.327.588.6611.2612.3713.3413.1414.1316.116.66
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%
Related:SNFCA Dividend History·SNFCA Revenue History·SNFCA Price History·SNFCA P/E History·SNFCA Financial Ratios·SNFCA Institutional Holders

SNFCA SEC Filings & Documents

Security National Financial Corporation (SNFCA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 1, 2025·SEC

Material company update

Jun 30, 2025·SEC

Material company update

Jun 24, 2024·SEC

10-K Annual Reports

5
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 31, 2025·SEC

FY 2024

Mar 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 11, 2026·SEC

FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 14, 2025·SEC

SNFCA Frequently Asked Questions

Security National Financial Corporation (SNFCA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

Security National Financial Corporation (SNFCA) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Industry Metrics

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.

What if you invested $1,000 in SNFCA back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in SNFCA be worth today?

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