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Upturn AI SWOT - About
SNFCA 
Security National Financial (SNFCA)
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Upturn Advisory Summary
10/14/2025: SNFCA (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 58.61% | Avg. Invested days 72 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 234.31M USD | Price to earnings Ratio 9.66 | 1Y Target Price - |
Price to earnings Ratio 9.66 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.82 | 52 Weeks Range 7.35 - 13.59 | Updated Date 06/29/2025 |
52 Weeks Range 7.35 - 13.59 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.98 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.96% | Operating Margin (TTM) 8.09% |
Management Effectiveness
Return on Assets (TTM) 1.45% | Return on Equity (TTM) 7.02% |
Valuation
Trailing PE 9.66 | Forward PE - | Enterprise Value 224357174 | Price to Sales(TTM) 0.7 |
Enterprise Value 224357174 | Price to Sales(TTM) 0.7 | ||
Enterprise Value to Revenue 0.67 | Enterprise Value to EBITDA - | Shares Outstanding 21324800 | Shares Floating 13663641 |
Shares Outstanding 21324800 | Shares Floating 13663641 | ||
Percent Insiders 26.96 | Percent Institutions 48.08 |
Upturn AI SWOT
Security National Financial
Company Overview
History and Background
Security National Financial Corporation (SNFC) was founded in 1965. It began primarily as a life insurance company and expanded into the cemetery and mortuary business through acquisitions. It has focused on growth through both organic expansion and strategic acquisitions within its core segments.
Core Business Areas
- Life Insurance: Provides a range of life insurance products, including pre-need funeral insurance and traditional life policies. The life insurance segment's revenue contributes a significant portion of SNFC's overall earnings.
- Cemetery and Mortuary: Owns and operates cemeteries and mortuaries, offering funeral and cremation services, burial plots, and related merchandise. This segment complements the life insurance business, especially in pre-need arrangements.
- Mortgage Loans: Originates and services mortgage loans, primarily in Utah and surrounding states.
Leadership and Structure
The leadership team consists of key executives overseeing each business segment. The organizational structure is hierarchical, with executive management at the top and operational teams responsible for day-to-day activities in each division.
Top Products and Market Share
Key Offerings
- Pre-Need Funeral Insurance: Provides life insurance policies designed to cover funeral and burial expenses. Market share data is difficult to obtain precisely, but SNFC competes with large national providers. Competitors include National Guardian Life Insurance Company, Assurant, and various regional funeral home chains.
- Cemetery Plots and Services: Offers burial plots, interment services, and memorial products. Market share varies by geographic region. Competitors include Service Corporation International (SCI) and StoneMor Partners.
- Mortgage Loans: Provides residential mortgage loans. This is a regional offering only. Competitors include Wells Fargo, Bank of America and Chase.
Market Dynamics
Industry Overview
The life insurance industry is mature and competitive, facing challenges from low interest rates and changing consumer preferences. The death care industry is relatively stable, driven by demographic trends, but is also undergoing consolidation. The mortgage industry is highly sensitive to interest rate fluctuations.
Positioning
SNFC holds a niche position in the life insurance and death care industries, focusing on pre-need funeral arrangements and serving specific geographic markets. Their regional mortgage loan operation supports the other business segment. Their competitive advantage lies in their integrated business model and established regional presence.
Total Addressable Market (TAM)
The TAM for life insurance is in the trillions of dollars globally. The TAM for the death care industry is estimated to be in the tens of billions of dollars in the US annually. SNFC's position is regional, with a small percentage of the TAM.
Upturn SWOT Analysis
Strengths
- Integrated business model (life insurance and death care)
- Established regional presence
- Strong pre-need funeral insurance sales
- Consistent profitability
- Conservative financial management
Weaknesses
- Limited geographic diversification
- Dependence on pre-need sales
- Relatively small size compared to major competitors
- Mortgage business susceptible to interest rate risk
Opportunities
- Expanding into new geographic markets
- Acquiring smaller competitors
- Developing new insurance products
- Leveraging technology for improved efficiency
Threats
- Increased competition from larger players
- Changes in regulations
- Fluctuations in interest rates
- Economic downturn impacting insurance sales
Competitors and Market Share
Key Competitors
- SCI
- STON
- NGL
Competitive Landscape
SNFC competes primarily with much larger national firms in both the life insurance and death care industries. Its competitive advantages include its integrated business model, regional focus, and strong customer relationships.
Major Acquisitions
Memorial Mortuaries and Cemeteries
- Year: 2017
- Acquisition Price (USD millions): 24.3
- Strategic Rationale: Expanded SNFC's presence in Utah and increased its market share in the death care industry.
Growth Trajectory and Initiatives
Historical Growth: Historically, SNFC has grown through organic expansion and strategic acquisitions. Growth has been steady but not rapid, reflecting the stability of its core markets.
Future Projections: Analyst estimates are not readily available for smaller companies like SNFC. Future growth will likely depend on continued execution of its existing strategy and successful integration of acquisitions.
Recent Initiatives: Recent initiatives involve enhancing the customer experience, streamlining operations, and expanding the geographic reach of services.
Summary
Security National Financial is a stable, profitable company with an integrated business model in the life insurance and death care industries. Its regional focus and pre-need sales provide a steady revenue stream. Its limited geographic diversification and relatively small size are vulnerabilities. Future success depends on successful execution and navigating the competitive landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Industry Reports
- Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Security National Financial
Exchange NASDAQ | Headquaters Salt Lake City, UT, United States | ||
IPO Launch date 2001-01-02 | Chairman, President & CEO Mr. Scott Milton Quist | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 1186 | Website https://www.securitynational.com |
Full time employees 1186 | Website https://www.securitynational.com | ||
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; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver's accident insurance policies. 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. 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 to consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
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