📊 SNFCA Key Takeaways
Is Security National Financial Corp. (SNFCA) a Good Investment?
Strong free cash flow generation (41.1% FCF margin) and solid balance sheet provide financial stability, but exceptionally poor returns on capital (1.6% ROE, 0.4% ROA) combined with minimal 3% revenue growth indicate the company is a stagnant capital allocator not generating adequate shareholder returns. Financial health is stable but growth and profitability trends are concerning.
Security National Financial Corp. Key Strengths (SNFCA)
- Exceptional free cash flow conversion at 41.1% FCF margin with minimal capital intensity ($189.7K CapEx)
- Solid balance sheet with moderate leverage (0.66x D/E), strong interest coverage (9.1x), and $150.1M cash reserves
- EPS growth (8.6% YoY) outpacing revenue growth (3.0%) demonstrates operational efficiency and margin expansion
SNFCA Stock Risks: Security National Financial Corp. Investment Risks
- Catastrophically poor returns on equity (1.6%) and assets (0.4%) indicate severe capital inefficiency or structural business deterioration
- Anemic 3% revenue growth suggests limited organic growth prospects and potential secular industry decline
- Large $1.6B asset base generating only $7M net income implies significant unproductive capital trapped on balance sheet
Key Metrics to Watch
- Return on Equity trend reversal - current 1.6% is value-destructive on inflation-adjusted basis
- Revenue growth acceleration beyond 3% - critical for demonstrating business viability
- Asset utilization efficiency - whether $1.6B asset base can be optimized or downsized to improve capital returns
Security National Financial Corp. (SNFCA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 41.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
SNFCA Profit Margin, ROE & Profitability Analysis
SNFCA vs Finance Sector: How Security National Financial Corp. Compares
How Security National Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Security National Financial Corp. Stock Overvalued? SNFCA Valuation Analysis 2026
Based on fundamental analysis, Security National Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Security National Financial Corp. Balance Sheet: SNFCA Debt, Cash & Liquidity
SNFCA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Security National Financial Corp.'s revenue has declined by 28% over the 5-year period, indicating business contraction. The most recent EPS of $1.16 reflects profitable operations.
SNFCA Revenue Growth, EPS Growth & YoY Performance
SNFCA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $79.7M | $6.4M | $0.25 |
| Q3 2025 | $88.3M | $4.3M | $0.31 |
| Q2 2025 | $85.8M | $4.3M | $0.25 |
| Q1 2025 | $81.2M | $4.3M | $0.18 |
| Q3 2024 | $80.2M | $1.2M | $0.17 |
| Q2 2024 | $83.8M | $1.2M | $0.27 |
| Q1 2024 | $79.5M | $1.2M | $0.05 |
| Q3 2023 | $80.2M | $1.2M | $0.10 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Security National Financial Corp. Dividends, Buybacks & Capital Allocation
SNFCA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Security National Financial Corp. (CIK: 0000318673)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SNFCA
What is the AI rating for SNFCA?
Security National Financial Corp. (SNFCA) has an AI grade of B with 50% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SNFCA's key strengths?
Claude: Exceptional free cash flow conversion at 41.1% FCF margin with minimal capital intensity ($189.7K CapEx). Solid balance sheet with moderate leverage (0.66x D/E), strong interest coverage (9.1x), and $150.1M cash reserves.
What are the risks of investing in SNFCA?
Claude: Catastrophically poor returns on equity (1.6%) and assets (0.4%) indicate severe capital inefficiency or structural business deterioration. Anemic 3% revenue growth suggests limited organic growth prospects and potential secular industry decline.
What is SNFCA's revenue and growth?
Security National Financial Corp. reported revenue of $79.7M.
Does SNFCA pay dividends?
Security National Financial Corp. pays dividends, with $5.1M distributed to shareholders in the trailing twelve months.
Where can I find SNFCA SEC filings?
Official SEC filings for Security National Financial Corp. (CIK: 0000318673) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SNFCA's EPS?
Security National Financial Corp. has a diluted EPS of $0.27.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SNFCA's fundamental grade?
Based on our AI fundamental analysis in May 2026, Security National Financial Corp. has a B grade with 50% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SNFCA stock overvalued or undervalued?
Valuation metrics for SNFCA: ROE of 1.6% (sector avg: 12%), net margin of 8.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SNFCA's AI grade for 2026?
Our dual AI analysis gives Security National Financial Corp. a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SNFCA's free cash flow?
Security National Financial Corp.'s operating cash flow is $32.9M, with capital expenditures of $189.7K. FCF margin is 41.1%.
How does SNFCA compare to other Finance stocks?
Vs Finance sector averages: Net margin 8.8% (avg: 25%), ROE 1.6% (avg: 12%), current ratio N/A (avg: 1.2).