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Company Analysis

Security National Financial Cor SNFCA

A comprehensive view of key metrics, scores, and financial health for Security National Financial Cor

Overview of Security National Financial Corporation

SNFCA NGM
Financial Services Mortgage Finance Micro Cap
Security National Financial Corporation (SNFCA), is a Micro Cap company, in the Mortgage Finance industry, last closed at $8.54, about 74.4% undervalued vs fair value, -26.9% 1Y return, ranked 627/1004 in sector.
$8.54
-1.50%
As of March 13, 2026
Previous close • Vol 90d: 33.2%
52-Week Range
Market Cap
$233.90M
Enterprise Value
$256.60M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.securitynational.c...
HQ Salt Lake City, UT
Employees 1,186
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$8
$15
$28
Current: $8.54 +74% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$8.2M
-14.2%%
Interest Expense
$4.3M
Net Interest Income
$-10.4M
8.1%%
Total Revenue
$335.5M
5.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.2M
12.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Security National Financial Cor's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing SNFCA's balance between Growth (24.6%), Profitability (33.9%), and Safety (41.5%). Growth 25% Safety 42% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

43th percentile vs peers
43
Key Signals
EPS Growth YoY 81.8% 68p Rev Growth YoY 5.3% 33p Revenue CAGR 3Y -10.8% 38p EPS CAGR 3Y -12.2% 36p
Strengths
  • Interest Coverage Ratio in top 20% of peers (9.02, 92th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Roic in top 20% of peers (6.7%, 94th percentile)
  • Fcf Margin in top 20% of peers (16.4%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

59th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

72th percentile vs peers
73
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Security National Financial Cor.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$14.89
- - -
+74.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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