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Upturn AI SWOT - About
SNFCA 
Security National Financial (SNFCA)
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Upturn Advisory Summary
06/27/2025: SNFCA (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 66.68% | 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 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Security National Financial
Company Overview
History and Background
Security National Financial Corporation (SNFC) was founded in 1936. Initially focused on life insurance, it expanded into cemetery and mortuary operations. Over time, it diversified further into mortgage banking and other financial services.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including pre-need funeral policies.
- Mortuary and Cemetery: Owns and operates mortuaries and cemeteries, providing funeral and burial services.
- Mortgage Banking: Originates, sells, and services mortgage loans.
Leadership and Structure
Scott M. Quist is the CEO. SNFC operates with a traditional corporate structure, with various departments managing insurance, mortuary, and mortgage operations.
Top Products and Market Share
Key Offerings
- Pre-Need Funeral Insurance: Life insurance policies designed to cover funeral expenses. Market share data is difficult to pinpoint precisely, but SNFC competes with large insurance companies like National Guardian Life and Homesteaders Life. Revenue tied to this is approximately 30% of their overall revenue.
- Mortuary Services: Funeral and cremation services offered through owned mortuaries. The mortuary market is highly fragmented; SNFC competes with Service Corporation International (SCI) and StoneMor Inc.
- Mortgage Loan Origination: Primarily originating and servicing residential mortgages. Competitors include Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The life insurance industry is mature, with moderate growth. The funeral services industry is stable, driven by mortality rates. The mortgage banking sector is cyclical, influenced by interest rates and housing market conditions.
Positioning
SNFC occupies a niche position, combining insurance, funeral services, and mortgage banking. Its competitive advantage lies in its diversified business model and focus on pre-need funeral arrangements.
Total Addressable Market (TAM)
The TAM for SNFC spans life insurance (trillions), funeral services (billions), and mortgage banking (trillions). SNFC's market position is relatively small, holding a minimal fraction of the overall TAM in each sector.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong presence in pre-need funeral insurance
- Experienced management team
- Established network of mortuaries and cemeteries
Weaknesses
- Relatively small size compared to major competitors
- Sensitivity to interest rate fluctuations
- Dependence on mortality rates for funeral services revenue
- Geographic concentration of operations
Opportunities
- Expanding pre-need funeral insurance offerings
- Acquiring smaller mortuaries and cemeteries
- Growing mortgage banking operations through partnerships
- Capitalizing on the aging population
Threats
- Increased competition from larger insurance and funeral service providers
- Rising interest rates impacting mortgage demand
- Changes in regulations affecting the insurance and funeral industries
- Economic downturn reducing consumer spending
Competitors and Market Share
Key Competitors
- SCI
- HLI
- FNMA
- NRGL
Competitive Landscape
SNFC faces competition from larger, more established companies in each of its business segments. Its advantage lies in its diversified business model and focus on pre-need funeral arrangements.
Major Acquisitions
Memorial Mortuaries and Cemeteries
- Year: 2018
- Acquisition Price (USD millions): 35
- Strategic Rationale: Expanded SNFC's presence in the mortuary and cemetery market in the Intermountain West.
Growth Trajectory and Initiatives
Historical Growth: SNFC has experienced moderate growth, primarily through acquisitions and organic expansion of its existing businesses.
Future Projections: Analyst estimates suggest continued modest growth, driven by the aging population and increasing demand for pre-need funeral arrangements. Future growth will depend on the interest rates and the housing market.
Recent Initiatives: Recent initiatives have focused on expanding mortgage banking operations and acquiring additional mortuaries and cemeteries.
Summary
Security National Financial has a diversified business model spanning life insurance, mortuary services, and mortgage banking providing strength but is relatively small compared to its peers. The company benefits from a strong presence in pre-need funeral arrangements, however, its market cap is relatively low. SNFC is vulnerable to interest rate fluctuations and depends on mortality rates. SNFC has recently expanded mortgage banking operations which should provide growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Press Releases
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is based on available public information and is not financial advice. Investment decisions should be made 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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