Symbols / SNFCA Stock $9.32 -0.32% Security National Financial Corporation

Financial Services • Insurance - Life • United States • NGM
SNFCA (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Life
CEO Mr. Scott Milton Quist
Exch · Country NGM · United States
Market Cap 242.67M
Enterprise Value 186.13M
Income 32.74M
Sales 341.58M
FCF (ttm) 207.07M
Book/sh 17.17
Cash/sh 6.23
Employees 1,035
Insider 10d —
IPO Aug 12, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 7.34
Forward P/E —
PEG —
P/S 0.71
P/B 0.54
P/C —
EV/EBITDA 3.34
EV/Sales 0.55
Quick Ratio 0.94
Current Ratio 1.98
Debt/Eq 25.58
LT Debt/Eq —
EPS (ttm) 1.27
EPS next Y —
EPS Growth 8.00%
Revenue Growth -3.60%
EPS Gr Q/Q 9.20%
Rev Gr Q/Q —
Earnings (next) 2026-08-10
Earnings (prior) 2015-05-15
ROA 1.88%
ROE 8.48%
ROIC —
Gross Margin 50.62%
Oper. Margin 12.60%
Profit Margin 9.59%
Shs Outstand 22.45M
Shs Float 13.46M
Insider Own 25.46%
Instit Own 42.72%
Short Float 1.18%
Short Ratio 6.60
Short Interest 207.90K
52W High 10.00
vs 52W High -6.80%
52W Low 7.70
vs 52W Low 21.04%
Beta 0.72
Impl. Vol. —
Rel Volume 0.19
Avg Volume 34.88K
Volume 6.66K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $9.35
Price $9.32
Change -0.32%
About

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; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its cemetery and mortuary segment consists of eleven mortuaries and five cemeteries in the state of Utah, one cemetery in the state of California, and one cemetery and four mortuaries in the state of 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, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly to consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$9.32
Latest analyst target
3. DCF / Fair value
$166.02
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$9.32
Low
—
High
—
Mean
—
News
RSS: Latest SNFCA news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-20 MOODY H CRAIG Director — 5,333 $4.32 $23,211
2026-04-17 QUIST ADAM GEORGE General Counsel — 8,934 $9.86 $88,089
2026-04-07 FULLER GILBERT A Director — 10,000 $9.45 $94,500
2026-04-01 FULLER GILBERT A Director — 615 $9.46 $5,818
2026-04-01 MOODY H CRAIG Director — 615 $8.53 $5,246
2026-04-01 FULLER GILBERT A Director — 615 $8.53 $5,246
2026-04-01 STEPHENS JEFFREY RUSSELL General Counsel — 887 $8.53 $7,566
2026-04-01 COOK JOHN L Director — 615 $8.53 $5,246
2026-01-07 COOK JOHN L Director — 5,305 $8.54 $48,151
2026-01-02 MOODY H CRAIG Director — 627 $8.68 $5,442
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
345.39
+2.96%
335.45
+5.32%
318.52
-18.48%
390.73
Operating Revenue
345.39
+2.96%
335.45
+5.32%
318.52
-18.48%
390.73
Selling General And Administration
125.42
+3.68%
120.97
-3.81%
125.77
-20.65%
158.49
Selling And Marketing Expense
3.51
+12.83%
3.12
-16.04%
3.71
-34.88%
5.70
General And Administrative Expense
121.91
+3.44%
117.86
-3.44%
122.06
-20.12%
152.79
Salaries And Wages
87.15
+2.43%
85.08
+2.34%
83.14
-16.95%
100.11
Other Gand A
34.76
+6.05%
32.77
-15.78%
38.92
-26.13%
52.68
Other Operating Expenses
5.47
-4.71%
5.74
+18.68%
4.83
-16.67%
5.80
Total Expenses
303.98
+1.98%
298.08
-1.37%
302.22
-15.19%
356.35
Reconciled Depreciation
8.72
-0.75%
8.78
-4.82%
9.23
-47.79%
17.68
EBIT
45.93
+10.33%
41.63
+96.68%
21.17
-49.85%
42.21
Total Unusual Items
—
—
—
0.41
Total Unusual Items Excluding Goodwill
—
—
—
0.41
Special Income Charges
—
—
—
0.41
Other Special Charges
—
—
—
-0.41
Net Income
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Pretax Income
41.41
+10.80%
37.37
+129.28%
16.30
-52.58%
34.38
Net Non Operating Interest Income Expense
-11.14
-7.24%
-10.39
+8.11%
-11.31
+26.44%
-15.37
Interest Expense Non Operating
4.52
+6.23%
4.25
-12.56%
4.87
-37.87%
7.83
Net Interest Income
-11.14
-7.24%
-10.39
+8.11%
-11.31
+26.44%
-15.37
Interest Expense
4.52
+6.23%
4.25
-12.56%
4.87
-37.87%
7.83
Interest Income
8.65
+5.59%
8.19
-14.20%
9.55
-1.22%
9.67
Other Income Expense
108.25
+0.60%
107.60
+9.33%
98.41
-47.24%
186.54
Tax Provision
9.26
+12.15%
8.25
+357.24%
1.81
-79.22%
8.69
Tax Rate For Calcs
0.00
+1.42%
0.00
+98.98%
0.00
-56.13%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Net Income From Continuing Operation Net Minority Interest
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Net Income From Continuing And Discontinued Operation
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Net Income Continuous Operations
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Normalized Income
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Net Income Common Stockholders
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Diluted EPS
1.26
+8.62%
1.16
+99.67%
0.58
-42.81%
1.02
Basic EPS
1.30
+9.24%
1.19
+98.33%
0.60
-42.97%
1.05
Basic Average Shares
24.73
+0.96%
24.49
+0.59%
24.35
-0.46%
24.46
Diluted Average Shares
25.48
+1.18%
25.19
+0.73%
25.00
-1.55%
25.40
Diluted NI Availto Com Stockholders
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Depreciation And Amortization In Income Statement
2.43
+1.74%
2.38
+1.36%
2.35
-5.82%
2.50
Depreciation Income Statement
2.43
+1.74%
2.38
+1.36%
2.35
-5.82%
2.50
Loss Adjustment Expense
100.82
+0.20%
100.61
+0.60%
100.01
+7.63%
92.93
Net Policyholder Benefits And Claims
100.82
+0.20%
100.61
+0.60%
100.01
+7.63%
92.93
Rent Expense Supplemental
3.76
-26.94%
5.15
-24.94%
6.86
-0.38%
6.88
Total Other Finance Cost
6.62
+7.95%
6.13
-4.75%
6.44
-14.58%
7.54
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,561.84
+4.51%
1,494.46
+4.47%
1,430.55
-2.09%
1,461.11
Cash Cash Equivalents And Short Term Investments
165.03
-67.46%
507.09
-0.27%
508.48
+8.93%
466.78
Cash And Cash Equivalents
102.26
-27.24%
140.55
+10.72%
126.94
+4.98%
120.92
Other Short Term Investments
62.77
-82.88%
366.55
-3.93%
381.54
+10.32%
345.86
Receivables
29.27
-1.38%
29.68
-1.71%
30.19
-30.76%
43.61
Accounts Receivable
26.11
-0.49%
26.24
+7.38%
24.43
+7.93%
22.64
Receivables Adjustments Allowances
-1.43
+14.89%
-1.68
+11.56%
-1.90
+14.88%
-2.23
Other Receivables
4.59
-10.36%
5.12
-33.17%
7.66
-66.99%
23.20
Loans Receivable
0.65
-73.12%
2.40
+5.49%
2.28
-12.33%
2.60
Net PPE
29.51
-0.44%
29.64
+4.60%
28.34
-4.52%
29.68
Goodwill And Other Intangible Assets
11.51
-6.18%
12.27
+4.73%
11.72
+1.45%
11.55
Goodwill
5.25
+0.00%
5.25
+0.00%
5.25
+0.00%
5.25
Other Intangible Assets
6.26
-10.81%
7.02
+8.58%
6.46
+2.66%
6.30
Investments And Advances
400.83
+4.84%
382.32
-3.25%
395.17
+10.52%
357.54
Total Liabilities Net Minority Interest
1,151.48
+3.50%
1,112.56
-0.46%
1,117.66
-4.34%
1,168.33
Payables And Accrued Expenses
30.07
+9.44%
27.48
+64.64%
16.69
-53.73%
36.07
Payables
30.07
+9.44%
27.48
+64.64%
16.69
-53.73%
36.07
Accounts Payable
4.15
+41.29%
2.94
+0.01%
2.94
-45.22%
5.36
Total Tax Payable
25.92
+5.62%
24.54
+78.44%
13.75
-55.22%
30.71
Income Tax Payable
25.92
+5.62%
24.54
+78.44%
13.75
-55.22%
30.71
Current Debt And Capital Lease Obligation
4.17
-60.58%
10.59
+36.93%
7.73
-87.70%
62.88
Current Debt
4.17
-60.58%
10.59
+36.93%
7.73
-87.70%
62.88
Other Current Borrowings
—
—
—
0.00
Long Term Debt And Capital Lease Obligation
94.21
-2.02%
96.15
-1.71%
97.82
-1.02%
98.83
Long Term Debt
94.12
-1.97%
96.01
-1.84%
97.81
-1.01%
98.80
Long Term Capital Lease Obligation
0.09
-35.23%
0.15
+833.55%
0.02
-49.97%
0.03
Non Current Deferred Liabilities
22.99
+14.00%
20.17
+10.59%
18.24
+12.39%
16.23
Non Current Deferred Revenue
22.99
+14.00%
20.17
+10.59%
18.24
+12.39%
16.23
Stockholders Equity
410.37
+7.45%
381.90
+22.05%
312.90
+6.87%
292.79
Common Stock Equity
410.37
+7.45%
381.90
+22.05%
312.90
+6.87%
292.79
Capital Stock
44.86
+5.52%
42.51
+6.02%
40.10
+6.88%
37.52
Common Stock
44.86
+5.52%
42.51
+6.02%
40.10
+6.88%
37.52
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
27.11
+0.85%
26.88
+2.34%
26.27
+5.35%
24.93
Ordinary Shares Number
26.02
+0.81%
25.81
+1.68%
25.38
+4.33%
24.32
Treasury Shares Number
1.20
+1.60%
1.18
+27.29%
0.93
+26.28%
0.74
Additional Paid In Capital
89.87
+12.76%
79.70
+10.04%
72.42
+11.82%
64.77
Retained Earnings
248.80
+9.21%
227.80
+10.06%
206.98
+2.38%
202.16
Gains Losses Not Affecting Retained Earnings
28.76
-14.70%
33.72
+589.72%
-6.89
+47.32%
-13.07
Treasury Stock
9.09
+7.20%
8.48
+49.74%
5.66
+29.66%
4.37
Other Equity Adjustments
28.76
-14.70%
33.72
+589.72%
-6.89
+47.32%
-13.07
Total Equity Gross Minority Interest
410.37
+7.45%
381.90
+22.05%
312.90
+6.87%
292.79
Total Capitalization
504.49
+5.56%
477.91
+16.36%
410.70
+4.88%
391.59
Invested Capital
508.66
+4.13%
488.49
+16.74%
418.43
-7.93%
454.47
Total Debt
98.39
-7.82%
106.74
+1.12%
105.56
-34.73%
161.71
Net Debt
—
—
—
40.76
Capital Lease Obligations
0.09
-35.23%
0.15
+833.55%
0.02
-49.97%
0.03
Net Tangible Assets
398.86
+7.91%
369.63
+22.73%
301.18
+7.09%
281.24
Tangible Book Value
398.86
+7.91%
369.63
+22.73%
301.18
+7.09%
281.24
Line Of Credit
4.17
-60.58%
10.59
+36.93%
7.73
-87.70%
62.88
Other Equity Interest
7.17
+7.99%
6.64
+11.78%
5.94
+2.84%
5.78
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
45.54
-20.55%
57.32
+6.39%
53.88
-58.70%
130.45
Cash Flow From Continuing Operating Activities
45.54
-20.55%
57.32
+6.39%
53.88
-58.70%
130.45
Net Income From Continuing Operations
32.15
+10.42%
29.12
+100.89%
14.50
-43.58%
25.69
Depreciation
8.16
-0.20%
8.17
-5.42%
8.64
+0.50%
8.60
Amortization Cash Flow
0.56
-8.04%
0.61
+4.03%
0.59
-93.52%
9.08
Depreciation And Amortization
8.72
-0.75%
8.78
-4.82%
9.23
-47.79%
17.68
Amortization Of Intangibles
0.56
-8.04%
0.61
+4.03%
0.59
-93.52%
9.08
Other Non Cash Items
28.96
-31.61%
42.34
-19.07%
52.32
-68.66%
166.94
Pension And Employee Benefit Expense
1.46
+19.54%
1.22
-44.79%
2.21
-56.32%
5.06
Stock Based Compensation
1.32
+64.89%
0.80
+33.17%
0.60
-35.32%
0.93
Deferred Tax
1.45
+45.61%
1.00
+140.02%
-2.50
+74.93%
-9.95
Deferred Income Tax
1.45
+45.61%
1.00
+140.02%
-2.50
+74.93%
-9.95
Operating Gains Losses
-51.64
-17.85%
-43.81
-15.05%
-38.08
+63.74%
-105.02
Gain Loss On Investment Securities
-52.91
-18.21%
-44.76
-11.20%
-40.26
+46.57%
-75.35
Unrealized Gain Loss On Investment Securities
-4.59
+10.99%
-5.16
-295.78%
-1.30
-111.91%
10.94
Gain Loss On Sale Of PPE
-0.18
+33.38%
-0.27
-596.94%
-0.04
+99.89%
-34.74
Change In Working Capital
37.85
+6.62%
35.50
+28.34%
27.66
+4.18%
26.55
Change In Other Working Capital
7.32
+54.15%
4.75
+334.37%
-2.03
-148.38%
-0.82
Change In Other Current Assets
-0.70
+50.76%
-1.43
-2199.92%
-0.06
+49.66%
-0.12
Investing Cash Flow
-67.21
-55.81%
-43.13
-395.28%
14.61
+139.31%
-37.16
Cash Flow From Continuing Investing Activities
-67.21
-55.81%
-43.13
-395.28%
14.61
+139.31%
-37.16
Net PPE Purchase And Sale
-1.62
+23.23%
-2.10
-89.59%
-1.11
+27.50%
-1.53
Purchase Of PPE
-1.69
+31.53%
-2.47
-122.54%
-1.11
+30.64%
-1.60
Sale Of PPE
0.08
-79.29%
0.37
0.00
-100.00%
0.07
Capital Expenditure
-1.69
+31.53%
-2.47
-122.54%
-1.11
+30.64%
-1.60
Net Investment Purchase And Sale
-7.48
-149.76%
15.03
+153.67%
-28.00
+78.10%
-127.81
Purchase Of Investment
-73.25
+17.07%
-88.33
-14.26%
-77.31
+50.37%
-155.77
Sale Of Investment
65.77
-36.36%
103.36
+109.60%
49.31
+76.32%
27.97
Net Business Purchase And Sale
—
—
—
0.00
Purchase Of Business
—
—
—
0.00
Net Intangibles Purchase And Sale
—
—
0.00
-100.00%
79.98
Net Other Investing Changes
-2.40
+62.87%
-6.47
-126.86%
-2.85
-932.33%
0.34
Financing Cash Flow
-14.32
-257.48%
-4.01
+93.54%
-62.04
+38.70%
-101.22
Cash Flow From Continuing Financing Activities
-14.32
-257.48%
-4.01
+93.54%
-62.04
+38.70%
-101.22
Net Issuance Payments Of Debt
-8.46
-1013.67%
0.93
+101.65%
-56.25
+37.25%
-89.63
Issuance Of Debt
69.00
+2316.41%
2.86
-95.83%
68.50
+14.90%
59.62
Repayment Of Debt
-77.46
-3914.93%
-1.93
+98.45%
-124.75
+16.42%
-149.25
Long Term Debt Issuance
69.00
+2316.41%
2.86
-95.83%
68.50
+14.90%
59.62
Long Term Debt Payments
-77.46
-3914.93%
-1.93
+98.45%
-124.75
+16.42%
-149.25
Net Long Term Debt Issuance
-8.46
-1013.67%
0.93
+101.65%
-56.25
+37.25%
-89.63
Net Common Stock Issuance
-1.61
+47.27%
-3.05
-7.27%
-2.85
+62.86%
-7.66
Common Stock Payments
-1.61
+47.27%
-3.05
-7.27%
-2.85
+62.86%
-7.66
Repurchase Of Capital Stock
-1.61
+47.27%
-3.05
-7.27%
-2.85
+62.86%
-7.66
Proceeds From Stock Option Exercised
0.11
-76.40%
0.45
+234.20%
0.13
-6.31%
0.14
Net Other Financing Charges
-4.36
-87.12%
-2.33
+24.46%
-3.08
+24.18%
-4.06
Changes In Cash
-35.99
-453.57%
10.18
+58.07%
6.44
+181.20%
-7.93
Beginning Cash Position
150.10
+7.27%
139.92
+4.82%
133.48
-5.61%
141.41
End Cash Position
114.11
-23.98%
150.10
+7.27%
139.92
+4.82%
133.48
Free Cash Flow
43.85
-20.06%
54.85
+3.95%
52.77
-59.05%
128.85
Interest Paid Supplemental Data
4.54
+8.20%
4.20
-18.31%
5.14
-33.27%
7.70
Income Tax Paid Supplemental Data
6.54
-20.53%
8.23
-59.68%
20.41
+2696.62%
0.73
Amortization Of Securities
-13.25
+9.46%
-14.63
-71.13%
-8.55
-158.93%
-3.30
Net Investment Properties Purchase And Sale
-25.22
-57.23%
-16.04
-262.41%
9.88
+101.16%
4.91
Purchase Of Investment Properties
-63.93
-22.12%
-52.35
-128.65%
-22.89
-11.90%
-20.46
Sale Of Intangibles
—
—
0.00
-100.00%
79.98
Sale Of Investment Properties
38.70
+6.61%
36.31
+10.78%
32.77
+29.18%
25.37
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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