📊 SNFCA Key Takeaways
Is Security National Financial Corp. (SNFCA) a Good Investment?
SNFCA demonstrates improving operational efficiency with net income growth (10.4% YoY) significantly outpacing revenue growth (3.0%), indicating positive leverage and margin expansion. Strong free cash flow generation ($43.8M, 12.7% FCF margin) combined with a solid balance sheet (0.68x D/E, 9.2x interest coverage) provides financial stability and sustainability.
Why Buy Security National Financial Corp. Stock? SNFCA Key Strengths
- Net income growth (10.4%) outpacing revenue growth (3.0%) indicates operational leverage and efficiency improvements
- Robust free cash flow generation ($43.8M) with healthy 12.7% FCF margin demonstrates cash conversion quality
- Conservative leverage (0.68x D/E) and strong interest coverage (9.2x) indicate manageable debt and financial flexibility
SNFCA Stock Risks: Security National Financial Corp. Investment Risks
- Modest revenue growth (3.0% YoY) suggests limited organic expansion and market demand
- Low return on equity (7.8%) and return on assets (2.1%) indicate moderate capital efficiency relative to equity base
- Minimal capital expenditure ($1.7M) may signal underinvestment in competitive capabilities or growth initiatives
Key Metrics to Watch
- Revenue growth acceleration to validate market demand improvement
- Return on equity trajectory as indicator of capital deployment effectiveness
- Operating cash flow sustainability and working capital trends
Security National Financial Corp. (SNFCA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $83.8M | $1.2M | $0.15 |
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 rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SNFCA's key strengths?
Claude: Net income growth (10.4%) outpacing revenue growth (3.0%) indicates operational leverage and efficiency improvements. Robust free cash flow generation ($43.8M) with healthy 12.7% FCF margin demonstrates cash conversion quality.
What are the risks of investing in SNFCA?
Claude: Modest revenue growth (3.0% YoY) suggests limited organic expansion and market demand. Low return on equity (7.8%) and return on assets (2.1%) indicate moderate capital efficiency relative to equity base.
What is SNFCA's revenue and growth?
Security National Financial Corp. reported revenue of $344.6M.
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 $1.26.
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 rating reflects both perspectives for balanced insights.
Is SNFCA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Security National Financial Corp. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is SNFCA stock overvalued or undervalued?
Valuation metrics for SNFCA: ROE of 7.8% (sector avg: 12%), net margin of 9.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy SNFCA stock in 2026?
Our dual AI analysis gives Security National Financial Corp. a combined BUY rating 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 $45.5M, with capital expenditures of $1.7M. FCF margin is 12.7%.
How does SNFCA compare to other Finance stocks?
Vs Finance sector averages: Net margin 9.3% (avg: 25%), ROE 7.8% (avg: 12%), current ratio N/A (avg: 1.2).