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Upturn AI Summary - About
Security National Financial(SNFCA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SNFCA
10/09/2026: SNFCA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Security National Financial is a diversified holding company operating across life insurance, mortgage lending, and death care services. The company is known for its stable, integrated business model, which provides a defensive hedge through its funeral and cemetery units while capturing cyclical growth in mortgage banking. Its primary growth opportunity lies in leveraging its niche market position and cross-selling potential. Risks include high interest rate sensitivity, intense competition from larger financial firms, and lower stock liquidity. The company may suit value-oriented investors who appreciate steady, albeit cyclical, operations, though it is less suitable for those seeking immediate cash dividends or high-growth momentum.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate, steady growth potential rather than aggressive, high-multiple expansion. |
| Momentum investor | Weak fit | Low liquidity and stable business model make it less suitable for short-term price momentum trading. |
| Value investor | Strong fit | The company is often traded at valuation multiples that may attract value-oriented, long-term investors. |
| Dividend investor | Weak fit | The company historically provides stock dividends rather than consistent cash payouts. |
| Low-risk investor | Mixed fit | While the death care business is stable, the mortgage segment introduces significant interest-rate risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience price swings due to its sensitivity to interest rate changes. |
| Valuation risk | Medium | Investors should monitor if the stock price accurately reflects the cyclical nature of mortgage banking. |
| Competition risk (financial services) | High | Larger, well-capitalized firms pose a constant threat to mortgage and insurance market share. |
| Business quality | Medium | The integrated business model provides stability, but execution across diverse segments is challenging. |
| Dividend income | Low / none | The company primarily utilizes stock dividends, offering limited cash income to shareholders. |
| Execution risk | Medium | Success depends on effectively managing three distinct industries under one corporate umbrella. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 25.91% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 239.09M USD | Price to earnings Ratio 6.56 | 1Y Target Price - |
Price to earnings Ratio 6.56 | 1Y Target Price - | ||
Volume (30-day avg) 28.4K shares | Beta 0.64 | 52 Weeks Range 6.98 - 10.22 | Updated Date 10/09/2026 |
52 Weeks Range 6.98 - 10.22 | Updated Date 10/09/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Life Insurance | Premiums from whole life, universal life, and annuity products. | The foundation of the company, providing recurring, stable revenue from policyholders. |
| Mortgage Banking | Fees and interest income from originating and selling residential mortgage loans. | A cyclical segment that boosts revenue when interest rates favor home buying and refinancing. |
| Cemetery and Mortuary | Services related to funeral arrangements, burials, and cemetery plots. | A consistent, demand-driven business that provides reliable cash flow regardless of market cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 6.56 | Forward PE 1.77 | Enterprise Value 187.46M | Price to Sales(TTM) 0.71 |
Enterprise Value 187.46M | Price to Sales(TTM) 0.71 | ||
Enterprise Value to Revenue 0.56 | Enterprise Value to EBITDA - | Shares Outstanding 22.37M | Shares Floating 14.23M |
Shares Outstanding 22.37M | Shares Floating 14.23M | ||
Percent Insiders 25.46 | Percent Institutions 42.34 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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