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Explore 3 Stock Ideas & Industry Insights Download Free Report

Security National Financial

Company price
9.085 USD 0.01 ( 0.17%)
Last update at 2026-11-12T15:38:00Z
VOLUME
512
Market Cap
229.45M
P/E
7.05

Momentum Score

…

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; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. 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, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, 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.

Source: TradingView
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Day Price Range
9.09
Low
9.11
High
52 Week Price Range
6.98
Low
10.22
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Security National Financial Corporation is a U.S.-based financial services holding company operating mortgage banking and mortgage-related businesses through subsidiaries. Long-term growth drivers include housing market fundamentals, origination and servicing fee income, and demand for mortgage credit, which may benefit investors who seek exposure to mortgage-originated cash flows and servicing revenue streams.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
9.07
Dividend Yield
-
Revenue TTM
335.96M
Revenue Per Share
12.92
Gross Profit TTM
171.84M
Debt / Equity
0.24
ROE
8.47%
Net Debt
-3.87M
ROCE
3.01%
Diluted EPS TTM
1.25

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 41.41M 34.10M 16.30M 34.38M 51.80M
Net income 32.15M 26.54M 14.50M 25.69M 39.52M
Selling general administrative 125.42M 117.86M 122.06M 152.79M 161.05M
Selling and marketing expenses 3514.64M 3.12M 3.71M 5.70M 6.63M
Gross profit 243.77M 3.94M 4.68M 390.32M 470.70M
Reconciled depreciation 8.72M 8.78M 9.23M 17.68M 20.39M
Ebit 45.93M 38.36M 21.17M 65.05M 9.27M
Ebitda 54.65M 47.14M 30.39M 82.72M 29.66M
Depreciation and amortization 8.72M 8.78M 9.23M 17.68M 20.39M
Operating income 41.41M 34.10M 16.30M 65.05M 9.27M
Other operating expenses 303.18M 25.91M 6.75M 355.94M 418.89M
Interest expense 4.52M 4.25M 4.87M 7.83M 7.13M
Tax provision 9.26M 7.57M 1.81M 8.69M 12.28M
Interest income 8.65M 8.19M 9.55M 9.67M -
Net interest income -11.14M -10.39M -11.31M -15.37M -17.67M
Income tax expense 9.26M 7.57M 1.81M 8.69M 12.28M
Total revenue 344.59M 8.19M 9.55M 390.32M 470.70M
Total operating expenses 202.36M -30.17M -11.62M 5.70M -461.43M
Cost of revenue 100.82M 4.25M 4.87M 4.72M 3.70M
Total other income expense net 108.25M -4.25M -4.87M -30.67M 42.53M
Net income from continuing ops 32.15M 26.54M 14.50M 25.69M 39.52M
Net income applicable to common shares - - - - 39.52M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1561.84M 1489.81M 1415.70M 1461.11M 1547.59M
Intangible assets 6.26M 7.02M 6.46M 16.10M 64.99M
Other current assets 28.81M -29.69M 152.45M 192.40M 345.24M
Total liab 1151.48M 1151.02M 1102.80M 1168.33M 1247.83M
Total stockholder equity 410.37M 338.78M 312.90M 292.79M 299.77M
Other current liab -25894.64M -13.08M -18170.29M 30.71M -14508.02M
Common stock 44.86M 42.51M 46.04M 43.30M 41.02M
Capital stock 44.86M 42.51M 40.10M 43.30M 41.02M
Retained earnings 248.80M 225.36M 206.98M 202.16M 184.54M
Other liab - - - 966.57M 961.33M
Good will 5.25M 5.25M 5.25M 5.25M 5.25M
Other assets - 869.24M - 939.93M 752.16M
Cash 102.26M 140.55M 126.94M 120.92M 131.35M
Total current liabilities 34.24M 13.52M 82.63M 52.30M 11.42M
Current deferred revenue 22991.60M 20168.40M 18237.25M 16.23M 14508.02M
Net debt -3.87M -33.81M -14.50M 40.79M 119.93M
Short term debt 4.17M 10.59M 12.74M - 1.25M
Short long term debt 4.17M 10.59M 7.73M 0.00M 1.25M
Short long term debt total 98.39M 106.74M 112.44M 161.71M 251.29M
Other stockholder equity 87.95M 77.86M 66.76M 60.40M 56.14M
Property plant equipment - - - 30.57M 34.00M
Total current assets 219.16M 241.83M 152.45M 495.35M 423.81M
Long term investments 400.83M 382.32M 395.17M 357.54M 270.88M
Net tangible assets - - - 284.28M 290.90M
Short term investments 62.77M 71.59M 36.42M 345.86M 259.29M
Net receivables 25.32M 29.69M 30.19M 43.61M 33.17M
Long term debt 94.12M 96.01M 97.81M 161.68M 249.97M
Inventory - - -193.55M - 8.98M
Accounts payable 4.15M 2.94M 2.94M 5.36M 10.17M
Accumulated other comprehensive income 28.76M -6.95M -6.89M -13.07M 18.07M
Non currrent assets other 900.84M 959.48M 290.35M -382.74M -371.63M
Non current assets total 1342.69M 1247.98M 1263.25M 25.83M 371.63M
Capital lease obligations 0.09M 0.15M 0.02M 0.03M 0.06M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -7.48M -43.13M 14.61M -37.16M -63.61M
Change to liabilities - - - - 0.00M
Total cashflows from investing activities -67.21M -43.13M - - -63.61M
Net borrowings -8.46M 0.93M - - -46.62M
Total cash from financing activities -14.32M -4.01M -62.04M -101.22M -55.08M
Change to operating activities - - - - -9.54M
Net income 32.15M 26.54M 14.50M 25.69M 39.52M
Change in cash -38.29M 10.18M 6.02M -7.93M 25.95M
Begin period cash flow 140.55M 139.92M 120.92M 141.41M 115.47M
End period cash flow 102.26M 150.10M 126.94M 133.48M 141.41M
Total cash from operating activities 45.54M 57.32M 53.88M 130.45M 144.64M
Depreciation 8.72M 8.78M 2.94M 17.68M 20.39M
Other cashflows from investing activities -1.69M -55.69M - - 0.33M
Dividends paid - - - 0.14M 1.08M
Sale purchase of stock -1.61M -3.05M -2.85M -7.66M -5.77M
Other cashflows from financing activities -4.36M -1.88M -3.08M 55.70M 104.31M
Change to netincome - - - - 78.13M
Capital expenditures 1.69M 2.47M 1.11M 1.60M 5.22M
Change in working capital 37.85M 34.91M 27.66M 26.55M -9.54M
Stock based compensation 1320.50M 0.80M 0.60M 0.93M 0.12M
Other non cash items -33.18M -14.02M 14.66M 69.56M 82.84M
Free cash flow 43.85M 54.85M 52.77M 128.85M 139.42M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SNFCA
Security National Financial
0.01
0.17%
9.09 7.05 1.77 0.68 0.52 0.55
PIAIF
Ping An Insurance
-
-%
6.67 5.78 5.15 0.13 0.85 1.31
CILJF
China Life Insurance Co Ltd
-
-%
3.23 2.96 5.06 0.23 1.11 1.10
AAGIY
AIA Group Ltd ADR
0.18
0.45%
40.18 12.84 11.34 3.88 2.47 2.22
AAIGF
AIA Group Ltd
-
-%
10.01 12.45 10.93 3.86 2.38 2.21

Profile*

Security National Financial

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; and annuity products comprising single and flexible premium deferred annuities, and immediate annuities. 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, as well as engages in pre-need selling of funeral, cemetery, mortuary, and cremation services. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Arizona, 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.

433 West Ascension Way, Salt Lake City, UT, United States, 84123

801 264 1060

1035

Name Title Year Born
Mr. Scott Milton Quist Chairman, Pres & CEO 1953
Mr. Garrett Stephen Sill CFO & Treasurer 1971
Mr. Jeffrey Russell Stephens Sr. Gen. Counsel & Corp. Sec. 1954
Mr. Scott Andrew Quist VP, Gen. Counsel & Director 1980
Mr. Thayne D. Atkinson VP & Chief Information Officer NA
Ms. Christie Q. Overbaugh Sr. VP of Life Insurance Internal Operations 1949
Mr. Jason Gary Overbaugh VP, National Marketing Director of Life Insurance & Director 1975
Mr. Adam George Quist VP of Memorial Services, Assistant Sec., Gen. Counsel & Director 1986
Mr. Matthew G. Bagley Gen. Counsel NA
Mr. Jeffrey P. Adams Controller NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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