SECURITY NATL FINL CORP-CL A (SNFCA) Stock Fundamental Analysis

NASDAQ:SNFCA • US8147853092

9.2 USD

-0.14 (-1.5%)

At close: Feb 13, 2026

9.2 USD

0 (0%)

After Hours: 2/13/2026, 8:00:02 PM

Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SNFCA. SNFCA was compared to 96 industry peers in the Financial Services industry. SNFCA has a medium profitability rating, but doesn't score so well on its financial health evaluation. SNFCA has a valuation in line with the averages, but on the other hand it scores bad on growth.

Quickly go to:

1. Profitability 2. Health 3. Growth 4. Valuation 5. Dividend

1. Profitability

1.1 Basic Checks

In the past year SNFCA was profitable.
SNFCA had a positive operating cash flow in the past year.
Each year in the past 5 years SNFCA has been profitable.
SNFCA had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

SNFCA has a Return On Assets of 1.19%. This is comparable to the rest of the industry: SNFCA outperforms 51.04% of its industry peers.
With a Return On Equity value of 5.10%, SNFCA is not doing good in the industry: 63.54% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 1.77%, SNFCA perfoms like the industry average, outperforming 45.83% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SNFCA is significantly below the industry average of 8.59%.

		Industry Rank	Sector Rank
ROA	1.19%
ROE	5.1%
ROIC	1.77%

ROA(3y)1.52%

ROA(5y)2.14%

ROE(3y)7.08%

ROE(5y)11.1%

ROIC(3y)2.39%

ROIC(5y)3.52%

1.3 Margins

SNFCA's Profit Margin of 5.49% is in line compared to the rest of the industry. SNFCA outperforms 41.67% of its industry peers.
SNFCA's Profit Margin has improved in the last couple of years.
SNFCA has a Operating Margin (9.67%) which is comparable to the rest of the industry.
SNFCA's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	9.67%
PM (TTM)	5.49%
GM	N/A

OM growth 3Y-3.03%

OM growth 5Y5.61%

PM growth 3Y-0.68%

PM growth 5Y15.9%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SNFCA is destroying value.
SNFCA has more shares outstanding than it did 1 year ago.
SNFCA has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SNFCA has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of SNFCA is 3.26, which is a good value as it means it would take SNFCA, 3.26 years of fcf income to pay off all of its debts.
SNFCA has a better Debt to FCF ratio (3.26) than 69.79% of its industry peers.
SNFCA has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.34, SNFCA perfoms like the industry average, outperforming 58.33% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.26
Altman-Z	N/A

ROIC/WACC0.22

WACC8%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. Growth

3.1 Past

The earnings per share for SNFCA have decreased strongly by -38.67% in the last year.
The Earnings Per Share has been growing by 19.64% on average over the past years. This is quite good.
Looking at the last year, SNFCA shows a small growth in Revenue. The Revenue has grown by 5.78% in the last year.
The Revenue has been growing slightly by 3.09% on average over the past years.

EPS 1Y (TTM)-38.67%

EPS 3Y-12.06%

EPS 5Y19.64%

EPS Q2Q%-34.32%

Revenue 1Y (TTM)5.78%

Revenue growth 3Y-11.82%

Revenue growth 5Y3.09%

Sales Q2Q%7.2%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

More info and screens

Find the best growth stocks Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.60 indicates a correct valuation of SNFCA.
The rest of the industry has a similar Price/Earnings ratio as SNFCA.
SNFCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.

		Industry Rank	Sector Rank
PE	12.6
Fwd PE	N/A

4.2 Price Multiples

SNFCA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SNFCA is cheaper than 92.71% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SNFCA indicates a rather cheap valuation: SNFCA is cheaper than 89.58% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.33
EV/EBITDA	4.74

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.64

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. Dividend

5.1 Amount

No dividends for SNFCA!.

		Industry Rank	Sector Rank
Dividend Yield	0%

More info and screens

Find the best dividend stocks Show peers with best dividend

SECURITY NATL FINL CORP-CL A

NASDAQ:SNFCA (2/13/2026, 8:00:02 PM)

After market: 9.2 0 (0%)

9.2

-0.14 (-1.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-13 2025-11-13/bmo

Earnings (Next)03-30 2026-03-30

Inst Owners52.15%

Inst Owner Change-0.08%

Ins Owners6.24%

Ins Owner Change0.31%

Market Cap239.11M

Revenue(TTM)339.10M

Net Income(TTM)18.62M

Analysts0

Price TargetN/A

Short Float %1.92%

Short Ratio9.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	12.6
Fwd PE	N/A
P/S	0.71
P/FCF	6.33
P/OCF	4.78
P/B	0.65
P/tB	0.66
EV/EBITDA	4.74

EPS(TTM)0.73

EY7.93%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.45

FCFY15.81%

OCF(TTM)1.92

OCFY20.9%

SpS13.05

BVpS14.06

TBVpS13.86

PEG (NY)N/A

PEG (5Y)0.64

Graham Number15.2

Profitability

		Industry Rank	Sector Rank
ROA	1.19%
ROE	5.1%
ROCE	2.13%
ROIC	1.77%
ROICexc	1.9%
ROICexgc	2.34%
OM	9.67%
PM (TTM)	5.49%
GM	N/A
FCFM	11.15%

ROA(3y)1.52%

ROA(5y)2.14%

ROE(3y)7.08%

ROE(5y)11.1%

ROIC(3y)2.39%

ROIC(5y)3.52%

ROICexc(3y)2.63%

ROICexc(5y)3.87%

ROICexgc(3y)3.28%

ROICexgc(5y)4.9%

ROCE(3y)2.86%

ROCE(5y)4.22%

ROICexgc growth 3Y-19.25%

ROICexgc growth 5Y2.69%

ROICexc growth 3Y-17.13%

ROICexc growth 5Y2.61%

OM growth 3Y-3.03%

OM growth 5Y5.61%

PM growth 3Y-0.68%

PM growth 5Y15.9%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.22

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.26
Debt/EBITDA	2.2
Cap/Depr	52.49%
Cap/Sales	3.59%
Interest Coverage	7.18
Cash Conversion	89.26%
Profit Quality	203.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8%

ROIC/WACC0.22

Cap/Depr(3y)19.82%

Cap/Depr(5y)18.66%

Cap/Sales(3y)1.43%

Cap/Sales(5y)1.14%

Profit Quality(3y)342.79%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-38.67%

EPS 3Y-12.06%

EPS 5Y19.64%

EPS Q2Q%-34.32%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.78%

Revenue growth 3Y-11.82%

Revenue growth 5Y3.09%

Sales Q2Q%7.2%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-17.55%

EBIT growth 3Y-14.49%

EBIT growth 5Y8.86%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y3.84%

FCF growth 3Y-29.52%

FCF growth 5YN/A

OCF growth 1Y26.21%

OCF growth 3Y-26.54%

OCF growth 5YN/A

SECURITY NATL FINL CORP-CL A / SNFCA FAQ

What is the fundamental rating for SNFCA stock?

ChartMill assigns a fundamental rating of 3 / 10 to SNFCA.

What is the valuation status of SECURITY NATL FINL CORP-CL A (SNFCA) stock?

ChartMill assigns a valuation rating of 4 / 10 to SECURITY NATL FINL CORP-CL A (SNFCA). This can be considered as Fairly Valued.

Can you provide the profitability details for SECURITY NATL FINL CORP-CL A?

SECURITY NATL FINL CORP-CL A (SNFCA) has a profitability rating of 4 / 10.