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SNFCA logoSecurity National Financial Corporation(SNFCA)Earnings, Financials & Key Ratios

SNFCA•NASDAQ•Banking & Credit
$9.83
$250M mkt cap·7.8× P/E·Price updated May 6, 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$0-100.0%
  • Total Revenue$344.59B+4206109.6%
  • Net Income$32.15B+121066.0%
  • Return on Equity15.66%+92.3%
  • Efficiency Ratio1.02%+100.3%
  • Book Value per Share16103.00+113860.4%
  • Tangible BV/Share16103.00+118143.7%
Technical→

SNFCA Key Insights

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

✓Strengths

  • ✓Strong 5Y profit CAGR of 256.8%
  • ✓Efficient operations: 1.0% efficiency ratio
  • ✓Diversified revenue: 100.0% from non-interest income
  • ✓Trading at only 0.0x book value

✗Weaknesses

  • ✗Weak Piotroski F-Score: 2/9

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

SNFCA Price & Volume

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

Loading chart...

SNFCA Growth Metrics

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

Revenue CAGR

10 Years-
5 Years-
3 Years3191.16%
TTM-

Profit CAGR

10 Years117.86%
5 Years256.81%
3 Years977.66%
TTM-36.76%

EPS CAGR

10 Years7.35%
5 Years-11.87%
3 Years2.5%
TTM-39.49%

Return on Capital

10 Years2.63%
5 Years2.47%
3 Years1.76%
Last Year-

SNFCA Recent Earnings

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

Full history →
Q2 2026Latest
Mar 16, 2026
EPS
$0.53
Revenue
$83M
Q4 2025
Nov 13, 2025
EPS
$0.31
Revenue
$3M
Q3 2025
Aug 14, 2025
EPS
$0.25
Revenue
$2M
Q2 2025
May 15, 2025
EPS
$0.17
Revenue
$83M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMar 16, 2026
$0.53
$83M
Q4 2025Nov 13, 2025
$0.31
$3M
Q3 2025Aug 14, 2025
$0.25
$2M
Q2 2025May 15, 2025
$0.17
$83M
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
TPVG logoTPVGTriplePoint Venture Growth BDC Corp.Direct Competitor225.54M5.574.5736.55%13.09%1.33
KINS logoKINSKingstone Companies, Inc.Direct Competitor257.8M16.4511.117.6%15.68%35.79%0.17
GBLI logoGBLIGlobal Indemnity Group, LLCDirect Competitor384.47M26.7915.312.02%7.45%0.02%0.01
STC logoSTCStewart Information Services CorporationProduct Competitor2.1B68.9917.0817.32%3.96%7.72%0.54
PFSI logoPFSIPennyMac Financial Services, Inc.Product Competitor4.54B86.949.35173.81%12.02%5.35
GHLD logoGHLDGuild Holdings CompanyProduct Competitor439.06M20.0112.8360.87%10.27%2.42
UWMC logoUWMCUWM Holdings CorporationProduct Competitor542.86M3.4929.0865.83%1.67%9.06
LMND logoLMNDLemonade, Inc.Product Competitor4.07B53.00-23.0440.15%-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 FNF

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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income-6.04M-6.96M-7.39M-8.58M2.26M1.84M4.68M3.94M02.38M
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 Income00009.39M9.67M9.55M8.19M06.95M
Interest Expense6.04M6.96M7.39M8.58M7.13M7.83M4.87M4.25M4.52B4.57M
Loan Loss Provision00000000-4.52B133.74K
Non-Interest Income00000000344.59B82.74M
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-30.17M3.51B61.05M
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-6.58M4.49M3.05M15.85M12.28M8.69M1.81M7.57M-9.26B5.32M
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)14.11M21.69M10.89M55.6M39.52M25.69M14.5M26.54M32.15B18.62M
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)0.610.920.512.431.701.100.631.091.30-
Diluted Shares Outstanding23.52M22.66M22.72M23.45M24.23M21.95M23.81M23.98M25.48M25.4M

SNFCA Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments51.35M147.76M483.73M400.88M390.64M466.78M508.48M212.14M0634.81M
Cash & Due from Banks45.32M142.2M127.75M106.22M131.35M120.92M126.94M140.55M0100.4M
Short Term Investments6.04M5.56M355.98M294.66M259.29M345.86M381.54M71.59M028.02M
Total Investments211.43M195.44M252.35M266.02M293.33M323.82M291.16M318.17M0345.13M
Investments Growth %35.23%-7.56%29.12%5.42%10.27%10.39%-10.09%9.28%-100%56.01%
Long-Term Investments205.39M189.88M-103.63M-28.63M34.04M-22.04M-90.38M246.58M01.16B
Accounts Receivables18.99M15.2M19.78M20.68M20.71M20.41M22.53M23.28M023.16M
Goodwill & Intangibles24.14M23.64M22.08M40.03M61.83M11.55M11.72M12.27M07.87M
Goodwill2.77M2.77M3.52M3.52M5.25M5.25M5.25M5.25M05.25M
Intangible Assets21.38M20.87M18.56M36.51M56.57M6.3M6.46M7.02M02.62M
PP&E (Net)18.01M16.89M24.12M21.23M30.5M29.68M28.34M29.64M029.91M
Other Assets659.43M652.89M883.16M1.09B997.42M931.54M942.2M959.48M01.05B
Total Current Assets75.19M167.51M508.72M427.34M423.81M510.39M538.67M241.83M0157.24M
Total Non-Current Assets906.98M883.3M825.73M1.12B1.12B950.73M891.88M1.25B01.41B
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 Payable3.61M2.88M5.06M8.93M10.17M5.36M2.94M2.94M4.15B5.54M
Total Debt157.45M187.52M217.57M297.82M251.29M161.71M105.56M106.74M0123.1M
Net Debt112.14M45.32M89.82M191.6M119.93M40.79M-21.39M-33.81M022.7M
Long-Term Debt70.61M54.15M60.12M50.07M89.92M98.8M97.81M96.01M0123.1M
Short-Term Debt86.84M133.37M157.3M247.65M161.31M62.88M7.73M10.59M00
Other Liabilities630.01M644.27M851.84M965.12M971.86M985.02M990.93M1.02B1.1T1.05B
Total Current Liabilities120.1M168.07M213.01M256.58M171.47M68.24M10.67M13.52M53.06B5.54M
Total Non-Current Liabilities713.5M710.93M924.73M1.03B1.08B1.1B1.11B1.14B1.1T1.19B
Total Liabilities833.61M879M1.14B1.28B1.25B1.17B1.12B1.15B1.15T1.2B
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 Share6.327.588.6611.2612.3713.3413.1414.1316103.0014.38
Tangible BV per Share5.296.547.699.559.8212.8112.6513.6216103.0014.07
Common Stock29.07M30.61M32.22M33.19M35.29M37.52M40.1M42.51M59.21B44.79M
Additional Paid-in Capital38.13M41.82M46.09M50.29M57.99M64.77M72.42M79.7M089.44M
Retained Earnings77.52M95.2M101.26M153.74M184.54M202.16M206.98M225.36M248.8B232.86M
Accumulated OCI603.17K-2.82K13.73M23.24M18.07M-13.07M-6.89M-6.95M28.76B826.84K
Treasury Stock-931.08K-206.4K-1.58M-1.83M-1.85M-4.37M-5.66M-8.48M0-9.71M
Preferred Stock0000000000

SNFCA Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations44.32M7.01M-75.6M-129.63M144.64M130.45M53.88M57.32M45.54B45.54B
Operating CF Growth %24.72%-84.18%-1178.6%-71.46%211.58%-9.81%-58.7%6.39%79348.74%-48.11%
Net Income14.11M21.69M10.89M55.6M39.52M25.69M14.5M26.54M32.15B18.62M
Depreciation & Amortization9.86M10.74M12.24M17.29M20.39M17.68M9.23M8.78M5.5B0
Deferred Taxes-7.75M002.85M11.31M-9.95M-2.5M311.97K1.45B0
Other Non-Cash Items5.69M-51.26M-119.44M-258.04M82.84M64.5M4.39M-14.02M5.11B10.77M
Working Capital Changes22.01M25.61M20.45M52.31M-9.54M26.55M27.66M34.91M034.91M
Cash from Investing-38.97M63.31M38.1M36.14M-63.61M-37.16M14.61M-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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-98.4M-39.84M-112.87M-64.48M-19.81M-927.54M-748.93M-87.33M-69.61B-337.54M
Acquisitions0-3.41M-20.14M0-12.63M0000-70.27K
Other Investing-24.29M72.96M144.68M-31.91M-76.84M69.25K716.34M-55.69M2.12B-60.77M
Cash from Financing2.21M26.12M24.3M71.21M-55.08M-101.22M-62.04M-4.01M09.18M
Dividends Paid0000000000
Share Repurchases-382.73K-215.52K-1.54M-2.97M-5.77M-7.66M-2.85M-3.05M0-2.99M
Stock Issued00000000081.25K
Net Stock Activity-382.73K-215.52K-1.54M-2.97M-5.77M-7.66M-2.85M-3.05M0-2.9M
Debt Issuance (Net)1000K1000K1000K1000K-1000K-1000K-1000K926.13K0963.47K
Other Financing-2.69M-3.73M-3.91M-5.89M-2.69M-3.92M-2.95M-1.88M0-3.95M
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 Effect000000000-1000K
Cash at Beginning46.94M54.5M150.94M137.74M115.47M141.41M133.48M139.92M092.4M
Cash at End54.5M150.94M137.74M115.47M141.41M133.48M139.92M150.1M0114.64M
Interest Paid5.98M6.88M7.28M8.39M7.29M7.7M5.14M4.2M03.47M
Income Taxes Paid581.56K5.7M4.86M11.81M5.13M729.69K20.41M8.23M0-2.33M
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%

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%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 / Assets15.13%16.35%14.74%17.04%19.37%20.04%21.87%22.74%-23.38%
Book Value / Share6.327.588.6611.2612.3713.3413.1414.1316.1K14.38
NII Growth-18.1%-15.23%-6.18%-16.14%126.32%-18.7%155.07%-15.89%-100%163.89%
Dividend Payout---------0%

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 2025

Nov 13, 2025·SEC

FY 2025

Aug 14, 2025·SEC

FY 2025

May 15, 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 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).

Dividend & Returns

Security National Financial Corporation (SNFCA) has a return on equity (ROE) of 15.7%. This is reasonable for most industries.

Industry Metrics

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.

Explore More SNFCA

Security National Financial Corporation (SNFCA) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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