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Upturn AI SWOT - About
SNFCA 
Security National Financial (SNFCA)
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Upturn Advisory Summary
08/29/2025: 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 08/29/2025 |
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 (SNF) was founded in 1965. Initially focused on the life insurance and cemetery business, it has grown through acquisitions and internal expansion, diversifying into mortgage banking and other financial services.
Core Business Areas
- Mortgage Banking: Originates, purchases, and sells mortgage loans, primarily focused on single-family residential properties.
- Life Insurance: Offers a variety of life insurance products, including term life, whole life, and annuity policies.
- Cemetery and Mortuary: Owns and operates cemeteries and mortuaries, providing funeral and burial services.
Leadership and Structure
Scott M. Quist is the current Chairman, President, and CEO. The company operates with a traditional corporate structure, with divisions overseeing each core business area.
Top Products and Market Share
Key Offerings
- Funeral and Cemetery Services: Provides funeral and burial services at its owned cemetery and mortuary locations. Competitors include Service Corporation International (SCI). Market Share data is not readily available.
- Life Insurance Policies: Provides life insurance products including term, whole, and variable life. Competitors include New York Life, Prudential, and Northwestern Mutual. Precise Market Share data is not readily available
- Mortgage Loans: Originates and services primarily single family mortgages. Market share data is difficult to pinpoint precisely for SNF alone within the overall mortgage market which is dominated by much larger banks and originators like Rocket Mortgage, United Wholesale Mortgage, and Wells Fargo. Revenue from this product constitutes a significant portion of SNF's overall revenue.
Market Dynamics
Industry Overview
The mortgage banking industry is influenced by interest rates, economic growth, and housing market trends. The life insurance industry is affected by demographic shifts, mortality rates, and regulatory changes. The cemetery and mortuary industry is relatively stable, driven by mortality rates and consumer preferences for memorialization.
Positioning
SNF occupies a niche position, operating across multiple related financial sectors. Its diversified business model can provide some resilience during economic downturns. SNFu2019s competitive advantage lies in its established presence in specific geographic markets and customer relationships.
Total Addressable Market (TAM)
The combined TAM of mortgage banking, life insurance, and cemetery/mortuary services is several trillion dollars. SNF is a smaller player within this massive market, primarily serving regional customers.
Upturn SWOT Analysis
Strengths
- Diversified Business Model
- Established Regional Presence
- Experienced Management Team
- Strong Capital Position
Weaknesses
- Smaller Scale Compared to Major Competitors
- Geographic Concentration
- Sensitivity to Interest Rate Fluctuations
- Reliance on Acquisitions for Growth
Opportunities
- Expansion into New Geographic Markets
- Development of New Financial Products
- Strategic Acquisitions to Increase Market Share
- Leveraging Technology to Improve Efficiency
Threats
- Increased Competition from Larger Financial Institutions
- Economic Downturn Affecting Mortgage Demand
- Rising Interest Rates Impacting Profitability
- Regulatory Changes in the Financial Services Industry
Competitors and Market Share
Key Competitors
- SCI
- FAF
- LNC
Competitive Landscape
SNF is smaller than major players like Service Corporation International (SCI) in the funeral and cemetery services space, and much smaller than the industry leaders in the life insurance and mortgage banking sectors. SNF competes on a regional level with personalized service and established relationships. The larger companies rely on size, and economies of scale.
Major Acquisitions
Memorial Mortuaries and Cemeteries
- Year: 2015
- Acquisition Price (USD millions): 28
- Strategic Rationale: Expanded Security National Financial's presence in the cemetery and mortuary business in the Intermountain West.
Growth Trajectory and Initiatives
Historical Growth: Security National Financial's growth has been driven by a combination of organic expansion and strategic acquisitions.
Future Projections: Future growth is dependent on factors such as economic conditions, interest rates, and the company's ability to execute its strategic plan. Analyst estimates can be found on financial websites.
Recent Initiatives: Recent initiatives may include acquisitions, new product launches, or investments in technology.
Summary
Security National Financial is a diversified financial services company operating in mortgage banking, life insurance, and cemetery/mortuary sectors. Its strength lies in its diversified business model and established regional presence. Potential risks include sensitivity to economic downturns and increased competition from larger financial institutions. Continued strategic acquisitions and efficient operations are key to the company's future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Company Website, Financial News Outlets, Third-Party Financial Data Providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is based on publicly available information and estimates. It may not be precise.
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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