SNFCA
BULLISH
$9.86
Live
Security National Financial Corporation · NASDAQ
$7.7
52W Range
$10.48
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 20, 2026
Market cap
$256.56M
P/E
7.83
ROE
8.1%
Profit margin
9.3%
Debt/Equity
0.25
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
75%
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.
Key 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)
Healthy liquidity with a Current Ratio of 2.01
Strong long-term price performance (5Y Change +46%)
Key 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
High volatility in earnings (recent Q/Q EPS growth of -20%)
Complete lack of analyst coverage and institutional guidance
AI Fair Value Estimate
Based on comprehensive analysis
$21.65
+119.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
95
45
70
60
0
AI Verdict
Deep Value Play
Key drivers: Extreme P/B and P/E discount, Low leverage, Strong margin of safety
Confidence
80%
Value
95/100
Ref P/E, PEG, Graham Number
Positives
- P/E 7.83 vs Sector 43.47
- P/B 0.60
- Price well below Graham Number
Watchpoints
- Low liquidity/float may hinder price discovery
Future
45/100
Ref Growth rates
Positives
- Massive YoY earnings growth (414%)
Watchpoints
- Slow revenue growth
- Recent Q/Q EPS decline
Past
70/100
Ref Historical trends
Positives
- Consistent multi-year price appreciation
- Positive 1Y and 6M returns
Watchpoints
- Inconsistent quarterly earnings surprises
Health
60/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity (0.25)
- Current Ratio > 2.0
Watchpoints
- Piotroski F-Score is only 4/9 (Stable, not Strong)
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend payments
- 0% payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$9.86
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SNFCA and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SNFCA
Security National Financial Corporation
Primary
|
+46.0% | +64.2% | +15.6% | +24.0% | +5.8% | +3.2% |
|
FRAF
Franklin Financial Services Corporation
Peer
|
+132.8% | +113.9% | +66.6% | +26.9% | +14.2% | +10.2% |
|
FUNC
First United Corporation
Peer
|
+176.0% | +161.7% | +34.4% | +9.5% | +8.9% | +5.7% |
|
MYFW
First Western Financial, Inc.
Peer
|
+0.8% | +49.4% | +50.1% | +13.7% | +10.2% | +3.4% |
|
BPRN
Princeton Bancorp, Inc.
Peer
|
+94.1% | +27.8% | +16.7% | +19.4% | +5.0% | +1.6% |
SNF
Security National Financial Corporation
Primary
5Y
+46.0%
3Y
+64.2%
1Y
+15.6%
6M
+24.0%
1M
+5.8%
1W
+3.2%
FRA
Franklin Financial Services Corporation
Peer
5Y
+132.8%
3Y
+113.9%
1Y
+66.6%
6M
+26.9%
1M
+14.2%
1W
+10.2%
FUN
First United Corporation
Peer
5Y
+176.0%
3Y
+161.7%
1Y
+34.4%
6M
+9.5%
1M
+8.9%
1W
+5.7%
MYF
First Western Financial, Inc.
Peer
5Y
+0.8%
3Y
+49.4%
1Y
+50.1%
6M
+13.7%
1M
+10.2%
1W
+3.4%
BPR
Princeton Bancorp, Inc.
Peer
5Y
+94.1%
3Y
+27.8%
1Y
+16.7%
6M
+19.4%
1M
+5.0%
1W
+1.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
7.83
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.6
P/S Ratio
0.74
EV/Revenue
0.7
EV/EBITDA
4.39
Market Cap
$256.56M
Profitability
Profit margins and return metrics
Profit Margin
9.33%
Operating Margin
22.16%
Gross Margin
50.43%
ROE
8.12%
ROA
1.88%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.7%
Earnings Growth
+414.7%
Q/Q Revenue Growth
+4.65%
Q/Q Earnings Growth
+430.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.25
Low debt
Current Ratio
2.01
Strong
Quick Ratio
0.74
Poor
Cash/Share
$4.27
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
16.2%
Total Assets
$1.6B
Liabilities
$1.2B
Equity
$0.4B
Debt/Equity
2.81x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-11
$N/A
2015-05-15
$0.08
+15.7% surprise
2014-11-14
$0.1
+77.1% surprise
2014-08-14
$0.12
+68.0% surprise
Financial Services Sector Comparison
Comparing SNFCA against 551 companies in the Financial Services sector
(102 bullish, 225 neutral, 224 bearish)
P/E Ratio
7.83
This Stock
vs
42.93
Sector Avg
-81.8%
(Discount)
Return on Equity (ROE)
8.12%
This Stock
vs
-0.56%
Sector Avg
-1560.0%
(Below Avg)
Profit Margin
9.33%
This Stock
vs
49.82%
Sector Avg
-81.3%
(Weaker)
Debt to Equity
0.25
This Stock
vs
1.4
Sector Avg
-82.1%
(Less Debt)
Revenue Growth
4.7%
This Stock
vs
40.32%
Sector Avg
-88.3%
(Slower)
Current Ratio
2.01
This Stock
vs
3.49
Sector Avg
-42.4%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SNFCA
Security National...
|
BULLISH | $256.56M | 7.83 | 8.1% | 9.3% | $9.86 | |
|
FRAF
Franklin Financial...
|
BULLISH | $255.82M | 11.55 | 13.3% | 24.7% | $56.95 | Compare |
|
FUNC
First United Corporation
|
NEUTRAL | $254.27M | 10.37 | 12.8% | 28.5% | $39.11 | Compare |
|
MYFW
First Western Financial, Inc.
|
NEUTRAL | $260.12M | 19.94 | 5.1% | 13.6% | $26.72 | Compare |
|
BPRN
Princeton Bancorp, Inc.
|
NEUTRAL | $250.77M | 14.21 | 6.7% | 23.2% | $37.08 | Compare |
SNFCA
Security...
BULLISH
Mkt Cap
$257M
P/E
7.8
ROE
8.1%
Price
$9.86
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-07 | FULLER GILBERT A | Director | Sale | 10,000 | $94,500 |
| 2026-04-01 | MOODY H CRAIG | Director | Option Exercise | 615 | $5,246 |
| 2026-04-01 | FULLER GILBERT A | Director | Sale | 615 | $5,818 |
| 2026-04-01 | FULLER GILBERT A | Director | Option Exercise | 615 | $5,246 |
| 2026-04-01 | STEPHENS JEFFREY RUSSELL | General Counsel | Option Exercise | 887 | $7,566 |
| 2026-04-01 | COOK JOHN L | Director | Option Exercise | 615 | $5,246 |
| 2026-01-07 | COOK JOHN L | Director | Option Exercise | 5,305 | $48,151 |
| 2026-01-02 | MOODY H CRAIG | Director | Option Exercise | 627 | $5,442 |
| 2026-01-02 | FULLER GILBERT A | Director | Option Exercise | 627 | $8,201 |
| 2026-01-02 | STEPHENS JEFFREY RUSSELL | General Counsel | Option Exercise | 603 | $7,857 |
| 2025-12-30 | QUIST S ANDREW | General Counsel | Gift | 5,000 | $46,050 |
| 2025-12-30 | OVERBAUGH JASON G | Officer, Director and Beneficial Owner | Gift | 4,500 | $41,445 |
| 2025-12-16 | QUIST S ANDREW | General Counsel | Gift | 5,005 | $46,997 |
| 2025-12-12 | STEPHENS JEFFREY RUSSELL | General Counsel | Gift | 10,000 | $90,100 |
| 2025-12-09 | MOODY H CRAIG | Director | Gift | 800 | $6,824 |
FULLER GILBERT A
Director
2026-04-07
10,000 shares
·
$94,500
MOODY H CRAIG
Director
2026-04-01
615 shares
·
$5,246
FULLER GILBERT A
Director
2026-04-01
615 shares
·
$5,818
FULLER GILBERT A
Director
2026-04-01
615 shares
·
$5,246
STEPHENS JEFFREY RUSSELL
General Counsel
2026-04-01
887 shares
·
$7,566
COOK JOHN L
Director
2026-04-01
615 shares
·
$5,246
COOK JOHN L
Director
2026-01-07
5,305 shares
·
$48,151
MOODY H CRAIG
Director
2026-01-02
627 shares
·
$5,442
FULLER GILBERT A
Director
2026-01-02
627 shares
·
$8,201
STEPHENS JEFFREY RUSSELL
General Counsel
2026-01-02
603 shares
·
$7,857
QUIST S ANDREW
General Counsel
2025-12-30
5,000 shares
·
$46,050
OVERBAUGH JASON G
Officer, Director and Beneficial Owner
2025-12-30
4,500 shares
·
$41,445
QUIST S ANDREW
General Counsel
2025-12-16
5,005 shares
·
$46,997
STEPHENS JEFFREY RUSSELL
General Counsel
2025-12-12
10,000 shares
·
$90,100
MOODY H CRAIG
Director
2025-12-09
800 shares
·
$6,824
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-K
10-Q
10-Q
8-K
10-Q
DEF 14A
DEF 14A
10-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
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