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Upturn AI SWOT - About
SNFCA 
Security National Financial (SNFCA)
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Upturn Advisory Summary
04/01/2025: SNFCA (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 30.58% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 295.19M USD | Price to earnings Ratio 10.08 | 1Y Target Price - |
Price to earnings Ratio 10.08 | 1Y Target Price - | ||
Volume (30-day avg) 37294 | Beta 1.1 | 52 Weeks Range 6.19 - 13.59 | Updated Date 04/1/2025 |
52 Weeks Range 6.19 - 13.59 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-27 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 8.92% | Operating Margin (TTM) 18.44% |
Management Effectiveness
Return on Assets (TTM) 1.7% | Return on Equity (TTM) 9.14% |
Valuation
Trailing PE 10.08 | Forward PE - | Enterprise Value 229773995 | Price to Sales(TTM) 0.89 |
Enterprise Value 229773995 | Price to Sales(TTM) 0.89 | ||
Enterprise Value to Revenue 0.69 | Enterprise Value to EBITDA - | Shares Outstanding 21155300 | Shares Floating 11687043 |
Shares Outstanding 21155300 | Shares Floating 11687043 | ||
Percent Insiders 30.12 | Percent Institutions 48.16 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Security National Financial
Company Overview
History and Background
Security National Financial Corporation was founded in 1965. Initially focused on providing life insurance and cemetery services, it has expanded over the years to include mortgage banking and other financial services.
Core Business Areas
- Life Insurance: Provides a range of life insurance products, including term, whole life, and universal life insurance policies.
- Cemetery and Mortuary: Owns and operates cemeteries and mortuaries, offering burial services, cremation, and related products.
- Mortgage Banking: Originates, sells, and services mortgage loans.
Leadership and Structure
Scott M. Quist is the Chairman and CEO. The company operates with a traditional corporate structure, with various departments overseeing different business segments.
Top Products and Market Share
Key Offerings
- Life Insurance Policies: Various life insurance products tailored to different customer needs. Market share data for specific insurance products is fragmented and difficult to ascertain precisely, but SNFC competes with major national insurers like Prudential, MetLife, and New York Life. Revenue contributed is unavailable.
- Cemetery and Mortuary Services: Burial plots, funeral arrangements, and related services. The cemetery and mortuary market is highly localized, making national market share difficult to pinpoint. SNFC competes with Service Corporation International (SCI) and Stonemor Partners. Revenue contributed is unavailable.
- Mortgage Loan Origination and Servicing: Residential mortgage loans. Market share fluctuates based on interest rates and housing market conditions. Competitors include large banks like JPMorgan Chase, Wells Fargo, and Rocket Mortgage. Revenue contributed is unavailable.
Market Dynamics
Industry Overview
The life insurance market is driven by demographics, economic conditions, and consumer awareness. The cemetery and mortuary industry is relatively stable but faces challenges from increasing cremation rates. The mortgage banking sector is highly sensitive to interest rate changes and housing market trends.
Positioning
Security National Financial occupies a niche position, offering a diverse range of financial and death care services. Its competitive advantage lies in its diversified business model.
Total Addressable Market (TAM)
TAM for combined industries (life insurance, cemetery/mortuary, mortgage banking) is in the trillions. SNFC, with its diversified approach, targets specific segments within these markets. TAM is unavailable due to different markets.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Established presence in niche markets
- Experienced management team
Weaknesses
- Smaller scale compared to larger competitors
- Exposure to interest rate risk in mortgage banking
- Reliance on specific geographic markets
Opportunities
- Expansion into new geographic markets
- Development of new financial products and services
- Acquisition of smaller competitors
Threats
- Rising interest rates
- Increased competition
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- SCI
- STON
- PRU
- MET
- JPM
- WFC
Competitive Landscape
Security National Financial operates in a competitive environment. SNFC's diverse range of financial and death care services may provide it with an advantage over competitors focused on specific sectors. However, it faces challenges from larger, more well-capitalized firms.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends unavailable.
Future Projections: Future growth projections unavailable.
Recent Initiatives: Information on recent strategic initiatives is unavailable.
Summary
Security National Financial is a diversified company with a mix of insurance, cemetery/mortuary, and mortgage banking operations. Its diversified business model provides some stability, but its smaller size presents challenges against larger competitors. The company should focus on strategic initiatives to enhance growth and market share. They should continue to monitor external threats, such as rising interest rates and economic downturns.
Similar Companies
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
MET
MetLife Inc
MET
MetLife Inc
PRU
Prudential Financial Inc
PRU
Prudential Financial Inc
SCI
Service Corporation International
SCI
Service Corporation International
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Market Research Reports
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial metrics are not provided due to lack of availability. Consult a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Security National Financial
Exchange NASDAQ | Headquaters Salt Lake City, UT, United States | ||
IPO Launch date 2001-01-02 | Chairman, President & CEO Mr. Scott Milton Quist | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 1227 | Website https://www.securitynational.com |
Full time employees 1227 | Website https://www.securitynational.com | ||
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; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver's accident insurance policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eight mortuaries and five cemeteries in Utah; one cemetery in California; and four mortuaries and one cemetery in 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. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly with consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.
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