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SNFCA 
Security National Financial (SNFCA)
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Upturn Advisory Summary
01/09/2026: SNFCA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 61.53% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
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 as a life insurance company. Over the decades, it has expanded its operations into funeral and cemetery services, as well as mortgage loans. The company has grown organically and through strategic acquisitions, solidifying its position in its core markets.
Core Business Areas
- Life Insurance: Provides a range of life insurance products, including term and permanent life insurance, annuities, and pre-need funeral insurance. The focus is on providing financial security and peace of mind to policyholders.
- Funeral and Cemetery Services: Operates funeral homes and cemeteries, offering a full spectrum of services including funeral planning, burial plots, cremation services, and memorial products. This segment caters to individuals and families seeking end-of-life care solutions.
- Mortgage Loans: Engages in the origination and servicing of residential mortgage loans through its subsidiary, Security National Mortgage Company. This segment focuses on providing home financing solutions to borrowers.
Leadership and Structure
Security National Financial Corporation is a publicly traded company led by a Board of Directors and a management team. Key executive positions include CEO, CFO, and heads of its major business segments. The company operates through its various subsidiaries.
Top Products and Market Share
Key Offerings
- Term and Permanent Life Insurance: Offers a diverse portfolio of life insurance policies designed to meet various financial needs, from income replacement to estate planning. Market share data for specific product lines within the life insurance industry is highly fragmented and difficult to ascertain precisely for SNFC without proprietary data. Competitors include major life insurance providers like Prudential, MetLife, and Northwestern Mutual.
- Pre-Need Funeral Insurance: This product bundles life insurance with funeral and cemetery services, allowing individuals to pre-plan and pre-pay for their final arrangements. This is a niche market, with competitors often being other funeral home chains or specialized pre-need providers. Specific market share is not readily available.
- Residential Mortgage Origination: Provides a variety of mortgage products including conventional, FHA, and VA loans. The mortgage market is highly competitive, with key competitors including Quicken Loans (Rocket Mortgage), Wells Fargo, and Chase. Market share for SNFC's mortgage segment is relatively small compared to national giants.
Market Dynamics
Industry Overview
Security National Financial operates in several mature but essential industries: life insurance, death care services, and residential real estate finance. The life insurance sector is influenced by interest rates, economic stability, and consumer demand for financial security. The death care industry is relatively stable, driven by demographics and evolving consumer preferences. The mortgage market is cyclical, heavily influenced by interest rates, housing market conditions, and regulatory changes.
Positioning
Security National Financial holds a diversified business model that provides some resilience. Its strength lies in its established presence in its core markets and its integration of life insurance with funeral services. However, it faces intense competition from larger, more established national players in all its segments. Its competitive advantages include its long history, customer relationships, and the synergy between its life insurance and funeral service offerings.
Total Addressable Market (TAM)
The TAM for life insurance in the U.S. is in the hundreds of billions of dollars annually in premiums. The death care industry's TAM is in the tens of billions of dollars annually. The U.S. mortgage origination market can range from trillions of dollars annually depending on market conditions. Security National Financial's current revenue is a small fraction of these large TAMs, indicating significant room for growth within its specialized niches.
Upturn SWOT Analysis
Strengths
- Diversified business model across insurance, funeral services, and mortgages.
- Established history and brand recognition in its core markets.
- Synergy between life insurance and funeral/cemetery services.
- Experienced management team.
Weaknesses
- Smaller scale compared to national competitors in all segments.
- Potential for operational inefficiencies due to multiple business lines.
- Reliance on interest rate sensitive mortgage business.
- Limited brand awareness outside of its operating regions.
Opportunities
- Expansion into new geographic markets for funeral and cemetery services.
- Leveraging technology to enhance digital offerings in insurance and mortgage services.
- Strategic acquisitions to broaden service offerings or market reach.
- Aging population driving demand for life insurance and death care services.
Threats
- Intense competition from larger, well-capitalized companies.
- Changes in interest rate environments impacting mortgage profitability.
- Regulatory changes affecting insurance and financial services.
- Economic downturns impacting consumer spending on discretionary services.
Competitors and Market Share
Key Competitors
- Service Corporation International (SCI)
- StoneMor Inc. (STON)
- Rocket Companies, Inc. (RKT)
- Wells Fargo & Company (WFC)
- MetLife, Inc. (MET)
- Prudential Financial, Inc. (PRU)
Competitive Landscape
Security National Financial faces significant challenges from larger, more diversified, and specialized competitors. Its key advantage is its integrated model, offering a one-stop solution for end-of-life planning. However, its smaller scale means it lacks the same marketing power, technological investment capacity, and economies of scale as its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: SNFC has shown consistent, albeit modest, historical growth driven by its diversified operations. Growth in funeral and cemetery services is often tied to demographic trends, while insurance growth depends on market penetration and product development. The mortgage segment's growth is more volatile, linked to real estate cycles.
Future Projections: Future growth projections would depend on the company's ability to expand its market share in existing segments, successful integration of any acquisitions, and adaptation to changing consumer preferences and technological advancements. Analyst estimates would provide insights into expected revenue and earnings growth.
Recent Initiatives: Recent initiatives might include efforts to modernize its digital presence, expand its mortgage origination capabilities, or enhance its pre-need insurance offerings. Strategic acquisitions or partnerships could also be key initiatives.
Summary
Security National Financial is a diversified company with a stable presence in insurance and funeral services, complemented by a more volatile mortgage segment. Its integrated model offers a competitive advantage. However, it faces significant challenges from larger industry players and market cyclicality, particularly in mortgages. Continued focus on its synergistic businesses and strategic expansion will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's Investor Relations website (if available)
- SEC Filings (10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Market share data is estimated and may not be precise. Financial data and projections are subject to change. Investors should conduct their own due diligence before making any investment decisions.
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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