US · SNFCA
Security National Financial Corporation
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- Salt Lake City, UT 84123
- Website
- securitynational.com
Price · as of 2024-12-31
$9.88
Market cap 202.93M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $37.55 | +280.06% |
| Intrinsic Value(DCF) | $10.69 | +8.2% |
| Graham-Dodd Method(GD) | $20.00 | +102.39% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $1.05 | ||||
| 2011 | $0.87 | ||||
| 2012 | $4.78 | ||||
| 2013 | $2.67 | ||||
| 2014 | $4.26 | ||||
| 2015 | $3.89 | ||||
| 2016 | $4.80 | ||||
| 2017 | $3.92 | ||||
| 2018 | $3.93 | ||||
| 2019 | $3.98 | ||||
| 2020 | $7.97 | ||||
| 2021 | $8.04 | ||||
| 2022 | $5.61 | $43.22 | $7.74 | $17.85 | $12.13 |
| 2023 | $7.41 | $67.36 | $8.82 | $16.39 | $4.37 |
| 2024 | $11.87 | $37.55 | $12.81 | $20.00 | $0.00 |
AI valuation
Our deep-learning model estimates Security National Financial Corporation's (SNFCA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $37.55
- Current price
- $9.88
- AI upside
- +280.06%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$10.69
+8.2% upside
Graham-Dodd
$20.00
+102.39% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SNFCA | Security National Financi… | $9.88 | 202.93M | +280% | +8% | +102% | — | 10.43 | 0.82 | 33.77 | 3.63 | 14.13 | 0.85 | 48.07% | 416.29% | 323.91% | 8.14% | 37.02% | 1.82% | 0.32 | 8.02 | 17.88 | 17.88 | -0.72 | 7377.00% | -1420.00% | 395.00% | 19.83% | 4.24 | 76.52% | 0.00% | 0.00% | 5.59% | 5.02 | 3.12 | 20.91 | 0.62 |
| CBNA | Chain Bridge Bancorp, Inc… | $34.50 | 226.38M | +47% | +6,899% | +44% | +766% | 5.38 | 0.78 | 1.98 | -24.53 | 2.66 | 0.78 | 93.16% | 46.08% | 36.75% | 18.40% | -3.77% | 1.61% | 0.00 | 7.09 | 0.62 | 0.62 | -15.35 | 20217.00% | 6638.00% | 7200.00% | 19.15% | 0.02 | -3.88% | 0.00% | 0.00% | 87.86% | -24.99 | -30.43 | -11.51 | -0.17 |
| CPSS | Consumer Portfolio Servic… | $8.10 | 178.78M | +2,014% | -54% | +125% | +116% | 10.43 | 0.68 | 0.51 | 113.81 | — | 0.68 | 52.75% | 6.97% | 4.88% | 6.77% | 0.64% | 0.60% | 10.78 | 0.14 | — | — | 106.73 | -5611.00% | 1179.00% | -173.00% | 116.45% | — | 7.74% | 0.00% | 0.00% | 6.40% | 117.38 | 13.80 | 8.18 | 0.28 |
| FCCO | First Community Corporati… | $28.82 | 221.62M | +60% | -11% | -39% | +109% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FRAF | Franklin Financial Servic… | $51.48 | 230.58M | +684% | +997% | +18% | +127% | 11.22 | 1.43 | 1.78 | 9.07 | 12.63 | 1.43 | 64.34% | 19.67% | 15.89% | 13.65% | 388.83% | 1.93% | 0.00 | 0.59 | — | — | 0.00 | 8884.00% | 1732.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 7.91% | 9.07 | — | 1.78 | — |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| GHI | Greystone Housing Impact … | $7.84 | 184.89M | +480% | -42% | — | — | 12.29 | 0.68 | 2.62 | 66.01 | — | 0.68 | 39.98% | 21.35% | 21.32% | 5.23% | 1.43% | 1.38% | 3.04 | 0.36 | 4.13 | 4.13 | 53.75 | -6280.00% | -3118.00% | -2545.00% | 6.87% | 0.96 | 1.21% | 14.32% | 176.00% | 14.32% | 66.08 | 78.42 | 14.11 | 0.28 |
| HWBK | Hawthorn Bancshares, Inc. | $32.99 | 227.55M | +708% | +32% | +23% | +6% | 9.95 | 1.44 | 2.11 | 8.14 | 31.67 | 1.44 | 71.33% | 25.96% | 21.23% | 15.14% | 26.97% | 2.61% | 0.00 | 0.92 | — | — | 0.00 | 3142.00% | 220.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 34.07% | 8.14 | — | 2.11 | — |
| OPBK | OP Bancorp | $13.36 | 198.87M | +436% | +13% | +2% | +122% | 8.33 | 0.86 | 1.14 | 4.70 | — | 0.90 | 51.46% | 18.88% | 13.68% | 10.60% | 21.70% | 0.93% | 0.50 | 0.40 | 0.07 | 0.07 | -1.06 | -1032.00% | 1340.00% | -5464.00% | 16.98% | 0.02 | 30.67% | 4.07% | 33.90% | 37.12% | 4.92 | 4.81 | 0.93 | -0.73 |
| PMTS | CPI Card Group Inc. | $12.27 | 139.67M | +403% | +101% | -89% | +128% | 16.11 | -8.83 | 0.65 | 7.20 | — | -3.37 | 35.63% | 13.07% | 4.06% | -44.59% | 22.87% | 6.07% | -8.13 | 1.84 | 2.69 | 1.57 | 3.23 | -1841.00% | 811.00% | 2323.00% | 10.83% | 0.57 | 15.90% | 0.00% | 0.00% | 4.02% | 9.08 | 16.75 | 1.19 | 3.17 |
| SWKH | SWK Holdings Corporation | $16.42 | 199.46M | +20% | -76% | +75% | +76% | 8.88 | 0.42 | 2.66 | 6.09 | — | 0.42 | 95.10% | 25.75% | 29.98% | 4.74% | 2.66% | 4.05% | 0.13 | 2.47 | 3.64 | 2.11 | 1.28 | -1360.00% | 1914.00% | 5919.00% | 19.12% | 4.14 | 7.17% | 0.00% | 0.00% | 10.79% | 13.08 | 6.61 | 3.37 | -15.45 |
About Security National Financial Corporation
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 policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eleven 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.
- CEO
- Scott Milton Quist
- Employees
- 1.19K
- Beta
- 0.75
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($10.69 ÷ $9.88) − 1 = +8.2% (DCF, example).