Security National Financial Corporation

Security National Financial Corporation

SNFCAยทNASDAQ

$9.23

-1.6%
Financial ServicesFinancial - Mortgages

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.

At a Glance

Live Snapshot
Market Cap$207.22M
EPS1.3000
P/E Ratio7.10
Earnings Date08/10/2026
Security National Financial Corporation

Security National Financial Corporation Fair Value Envelope

SNFCA ยท NASDAQ

Our analysis suggests that SNFCA has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $9.23, this represents a potential HIDDEN relative to our calculated worth for Security National Financial Corporation.

Intrinsic Value
Current Price: $9.23

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$160.4M
+ Cash & Equivalents$102.3M
Firm Value$262.6M
- Debt$102.5M
Equity Value$160.1M
/ Shares Outstanding24,601,751B
DCF Value$7
OVERVALUED BY 29%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$36.4M
$29.1M
$23.3M
$18.6M
$14.9M
$11.9M
$9.5M
$7.6M
$6.1M
$4.9M
Maintenance CapEx
-$270.4K
-$216.2K
-$172.8K
-$138.2K
-$110.4K
-$88.3K
-$70.6K
-$56.4K
-$45.1K
-$36.1K
Owner Earnings
$36.1M
$28.9M
$23.1M
$18.5M
$14.8M
$11.8M
$9.4M
$7.5M
$6.0M
$4.8M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$33.5M
$24.8M
$18.3M
$13.6M
$10.0M
$7.4M
$5.5M
$4.1M
$3.0M
$2.2M
Terminal Value represents 23.7% of Enterprise Value