Security National Financial Corporation Class A Common Stock (SNFCA)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Security National traded at $9.09; FairStock calculations show a P/E of 7.27 and a P/B of 0.55. That is a cigar-butt-looking price, but I want to know whether the cigar has a few good puffs left. The company sells life insurance and funeral plans, runs cemeteries and mortuaries, and originates mortgages. That mix can be steady, but it is not a wide-moat franchise; insurance and mortgage lending are competitive and sensitive to underwriting and credit cycles. The recent record is better than the long-term record. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $83.9M, net income $9.0M, and diluted EPS $0.33. In fiscal Q2 2025, the quarter ended 2025-06-30, revenue was $89.5M, net income $8.4M, and diluted EPS $0.31. So profit rose while revenue fell. Full-year figures: FY2023 revenue $318.5M and net income $14.5M; FY2024 revenue $334.5M and net income $29.1M; FY2025 revenue $344.6M and net income $32.2M. FairStock’s Lynch category calls it a SLOW GROWER — Shrinking, with profit down -10.4% a year and revenue down -6.5% over five years. Financial health is the bright spot: FairStock calculations show D/E 0.28, beta 0.68, profit growth 9.16%, PEG 0.79, and a FairStock Score of 75/100. But ROE is only 8.47%, ROCE 1.88%, Piotroski 4/9, and revenue growth -3.65%. I cannot see CET1, net interest margin, or a combined ratio here, so underwriting and credit risk remain blind spots. At 0.55 times book, the market is skeptical; if returns stay low, cheap can stay cheap.

In plain English: Security National Financial sells life insurance and funeral plans, runs cemeteries and mortuaries, and makes mortgage loans. The business looks mixed: profits have improved lately and debt is low, but revenue has been shrinking over the long run. At the recent price, the stock looks cheap compared with its earnings and accounting value, though the low price may reflect real risks in insurance and lending.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer