Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
SNFCA logo SNFCA
Upturn stock ratingUpturn stock rating
SNFCA logo

Security National Financial (SNFCA)

Upturn stock ratingUpturn stock rating
$8.26
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

10/14/2025: SNFCA (2-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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

ai summary icon Upturn AI SWOT

Security National Financial

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1186

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.