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FCT vs SNFCA

FCT
First Trust Senior Floating Rate Income Fund II
NEUTRAL
Price
$9.79
Market Cap
$254.4M
Sector
Financial Services
AI Confidence
85%
SNFCA
Security National Financial Corporation
BULLISH
Price
$9.86
Market Cap
$256.6M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FCT
15.06
SNFCA
7.83
Forward P/E
FCT
--
SNFCA
--
P/B Ratio
FCT
0.95
SNFCA
0.6
P/S Ratio
FCT
9.88
SNFCA
0.74
EV/EBITDA
FCT
--
SNFCA
4.39

Profitability

Gross Margin
FCT
100.0%
SNFCA
50.43%
Operating Margin
FCT
87.83%
SNFCA
22.16%
Profit Margin
FCT
65.53%
SNFCA
9.33%
ROE
FCT
6.12%
SNFCA
8.12%
ROA
FCT
4.25%
SNFCA
1.88%

Growth

Revenue Growth
FCT
-2.6%
SNFCA
4.7%
Earnings Growth
FCT
-15.5%
SNFCA
414.7%

Financial Health

Debt/Equity
FCT
0.15
SNFCA
0.25
Current Ratio
FCT
0.14
SNFCA
2.01
Quick Ratio
FCT
0.14
SNFCA
0.74

Dividends

Dividend Yield
FCT
11.89%
SNFCA
--
Payout Ratio
FCT
179.08%
SNFCA
0.0%

AI Verdict

FCT NEUTRAL

FCT presents a complex profile with a stable Piotroski F-Score of 6/9, but significant fundamental contradictions. While the Graham Number ($12.31) and a Price/Book ratio of 0.95 suggest the fund is undervalued, the intrinsic value ($4.55) and a critical payout ratio of 179.08% indicate a potential yield trap. Earnings are declining sharply (-15.5% YoY), and the technical trend is currently bearish (0/100), offsetting the appeal of the 11.89% dividend yield.

Strengths
Trading below book value (P/B 0.95)
Very low Debt/Equity ratio (0.15)
Strong profit margins (65.53%)
Risks
Unsustainable dividend payout ratio (179.08%)
Significant earnings contraction (-15.50% YoY)
Bearish technical trend (0/100)
SNFCA BULLISH

SNFCA presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 4/9 and significant undervaluation relative to its Graham Number ($21.65) and Intrinsic Value ($37.17). The company trades at a steep discount to book value (P/B 0.60) and a low P/E of 7.83, far below the sector average. While technical trends and insider sentiment are currently bearish, the fundamental margin of safety is substantial. The extreme YoY earnings growth suggests a recovery or one-time gain, though recent Q/Q EPS contraction warrants caution.

Strengths
Significant undervaluation relative to Graham Number ($21.65) and Intrinsic Value ($37.17)
Strong balance sheet with low Debt/Equity ratio (0.25) compared to sector average (1.40)
Trading at a discount to book value (P/B 0.60)
Risks
Bearish insider sentiment with recent director sales
Weak technical trend (10/100) suggesting lack of immediate momentum
Low revenue growth (4.70%) indicating stagnant top-line expansion

Compare Another Pair

FCT vs SNFCA: Head-to-Head Comparison

This page compares First Trust Senior Floating Rate Income Fund II (FCT) and Security National Financial Corporation (SNFCA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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