SNFCA
Security National Financial Corporation
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Neutral
+14/100
Last price
9.04
▼ 0.09 (0.99%)
MARKET · —
Price
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Tool
1D
—
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Range —
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vs
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Open
—
Prev close
9.13
Day high
9.16
Day low
8.92
Volume
17.67K
Market cap
$235.44M
P/E (TTM)
6.46
52W range
7.33 – 10.23
Trailing performance
Returnvs SPY
1W
+2.73%
+0.8%
1M
+0.11%
-1.0%
3M
-5.17%
-9.7%
6M
-0.19%
-18.4%
YTD
+5.35%
-8.9%
1Y
+10.63%
-5.8%
3Y
+33.48%
-48.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SNFCA open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
6.63M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 1, 26 | COOK JOHN L Director |
CONVERSION | 616 | $5.25K | Direct |
| Jul 1, 26 | MOODY H CRAIG Director |
CONVERSION | 616 | $5.25K | Direct |
| Jul 1, 26 | FULLER GILBERT A Director |
CONVERSION | 616 | $5.25K | Direct |
| Jul 1, 26 | STEPHENS JEFFREY RUSSELL General Counsel |
CONVERSION | 888 | $7.58K | Direct |
| Apr 20, 26 | MOODY H CRAIG Director |
CONVERSION | 5.33K | $23.21K | Direct |
| Apr 17, 26 | QUIST ADAM GEORGE General Counsel |
CONVERSION | 8.93K | $88.09K | Direct |
| Apr 7, 26 | FULLER GILBERT A Director |
SELL | 10.00K | $94.50K | Direct |
| Apr 1, 26 | FULLER GILBERT A Director |
SELL | 615 | $5.82K | Direct |
| Apr 1, 26 | COOK JOHN L Director |
CONVERSION | 615 | $5.25K | Direct |
| Apr 1, 26 | MOODY H CRAIG Director |
CONVERSION | 615 | $5.25K | Direct |
| Apr 1, 26 | FULLER GILBERT A Director |
CONVERSION | 615 | $5.25K | Direct |
| Apr 1, 26 | STEPHENS JEFFREY RUSSELL General Counsel |
CONVERSION | 887 | $7.57K | Direct |
| Jan 7, 26 | COOK JOHN L Director |
CONVERSION | 5.30K | $48.15K | Direct |
| Jan 2, 26 | MOODY H CRAIG Director |
CONVERSION | 627 | $5.44K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
COOK JOHN L |
Director | 25.14K | Conversion of Exercise of derivative security |
FULLER GILBERT A |
Director | 31.97K | Conversion of Exercise of derivative security |
HUNTER ROBERT GAIL |
Director | 61.63K | Conversion of Exercise of derivative security |
LOVE LUDMYA B |
Director | 10.56K | Conversion of Exercise of derivative security |
MOODY H CRAIG |
Director | 50.09K | Conversion of Exercise of derivative security |
OVERBAUGH JASON G |
Officer, Director and Beneficial Owner | 88.79K | Stock Gift |
QUIST ADAM GEORGE |
General Counsel | 70.81K | Conversion of Exercise of derivative security |
QUIST S ANDREW |
General Counsel | 159.99K | Stock Gift |
STEPHENS JEFFREY RUSSELL |
General Counsel | 37.12K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$235.44M
Enterprise value$190.70M
Revenue (TTM)$335.96M
Gross profit$171.84M
EBITDA$56.59M
Net income$33.35M
EPS (TTM)$1.40
Free cash flow$217.02M
Total cash$167.01M
Total debt$122.32M
Book value / share$16.63
Shares outstanding22.37M
Float14.24M
Short % of float1.32%
Dividend yield0.00%
Beta (5Y)0.64
Valuation & profitability ratios
Trailing P/E6.46
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.54
EV / revenue0.57
EV / EBITDA3.37
Gross margin51.15%
Operating margin15.21%
Profit margin9.93%
Return on equity8.47%
Return on assets1.88%
Debt / equity28.25
Current ratio2.17
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $345.39M | $335.45M | $318.52M | $390.73M | +3.0% |
| Operating revenue | $345.39M | $335.45M | $318.52M | $390.73M | +3.0% |
| Selling, general & admin | $125.42M | $120.97M | $125.77M | $158.49M | +3.7% |
| Net interest income | -$11.14M | -$10.39M | -$11.31M | -$15.37M | -7.2% |
| Pre-tax income | $41.41M | $37.37M | $16.30M | $34.38M | +10.8% |
| Tax provision | $9.26M | $8.25M | $1.81M | $8.69M | +12.1% |
| Net income | $32.15M | $29.12M | $14.50M | $25.69M | +10.4% |
| Net income to common | $32.15M | $29.12M | $14.50M | $25.69M | +10.4% |
| Basic EPS | 1.24 | 1.13 | 0.57 | 1.00 | +9.2% |
| Diluted EPS | 1.20 | 1.10 | 0.55 | 0.97 | +8.6% |
| EBIT | $45.93M | $41.63M | $21.17M | $42.21M | +10.3% |
| Basic shares | 25.96M | 25.72M | 25.57M | 25.68M | +1.0% |
| Diluted shares | 26.76M | 26.45M | 26.25M | 26.67M | +1.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $102.26M | $140.55M | $126.94M | $120.92M | -27.2% |
| Cash & short-term investments | $165.03M | $507.09M | $508.48M | $466.78M | -67.5% |
| Accounts receivable | $26.11M | $26.24M | $24.43M | $22.64M | -0.5% |
| Property, plant & equipment | $29.51M | $29.64M | $28.34M | $29.68M | -0.4% |
| Goodwill & intangibles | $11.51M | $12.27M | $11.72M | $11.55M | -6.2% |
| Total assets | $1.56B | $1.49B | $1.43B | $1.46B | +4.5% |
| Current debt | $4.17M | $10.59M | $7.73M | $62.88M | -60.6% |
| Long-term debt | $94.12M | $96.01M | $97.81M | $98.80M | -2.0% |
| Total debt | $98.39M | $106.74M | $105.56M | $161.71M | -7.8% |
| Total liabilities | $1.15B | $1.11B | $1.12B | $1.17B | +3.5% |
| Retained earnings | $248.80M | $227.80M | $206.98M | $202.16M | +9.2% |
| Shareholder equity | $410.37M | $381.90M | $312.90M | $292.79M | +7.5% |
| Net tangible assets | $398.86M | $369.63M | $301.18M | $281.24M | +7.9% |
| Shares issued | 28.47M | 28.23M | 27.58M | 26.18M | +0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $32.15M | $29.12M | $14.50M | $25.69M | +10.4% |
| Depreciation & amortisation | $8.72M | $8.78M | $9.23M | $17.68M | -0.7% |
| Stock-based compensation | $1.32M | $800.82K | $601.36K | $929.69K | +64.9% |
| Change in working capital | $37.85M | $35.50M | $27.66M | $26.55M | +6.6% |
| Operating cash flow | $45.54M | $57.32M | $53.88M | $130.45M | -20.6% |
| Capital expenditure | -$1.69M | -$2.47M | -$1.11M | -$1.60M | +31.5% |
| Investing cash flow | -$67.21M | -$43.13M | $14.61M | -$37.16M | -55.8% |
| Share buybacks | -$1.61M | -$3.05M | -$2.85M | -$7.66M | +47.3% |
| Financing cash flow | -$14.32M | -$4.01M | -$62.04M | -$101.22M | -257.5% |
| Free cash flow | $43.85M | $54.85M | $52.77M | $128.85M | -20.1% |
| End cash position | $114.11M | $150.10M | $139.92M | $133.48M | -24.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $84.12M | $79.90M | $83.17M | $89.54M | $89.76M | — | +5.3% |
| Operating revenue | $84.12M | $79.90M | $83.17M | $89.54M | $89.76M | — | +5.3% |
| Selling, general & admin | $30.22M | $29.88M | $30.97M | $31.05M | $32.00M | — | +1.1% |
| Net interest income | -$2.71M | -$2.67M | -$2.54M | -$2.88M | -$3.19M | — | -1.7% |
| Pre-tax income | $11.66M | $9.05M | $17.35M | $10.15M | $10.74M | — | +28.8% |
| Tax provision | $2.68M | $2.05M | $3.86M | $2.34M | $2.37M | — | +30.5% |
| Net income | $8.98M | $7.00M | $13.49M | $7.82M | $8.37M | — | +28.3% |
| Net income to common | $8.98M | $7.00M | $13.49M | $7.82M | $8.37M | — | +28.3% |
| Basic EPS | 0.34 | 0.27 | — | 0.30 | 0.32 | 0.25 | +27.5% |
| Diluted EPS | 0.33 | 0.26 | — | 0.30 | 0.31 | 0.24 | +28.3% |
| EBIT | $12.76M | $10.05M | $18.39M | $11.22M | $12.03M | — | +27.0% |
| Basic shares | 26.04M | 26.06M | — | 25.94M | 26.01M | 25.93M | -0.1% |
| Diluted shares | 26.89M | 26.82M | — | 26.67M | 26.81M | 26.98M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $163.44M | $150.12M | $102.26M | $100.40M | $79.32M | +8.9% |
| Cash & short-term investments | $193.55M | $190.17M | $165.03M | $128.42M | $116.11M | +1.8% |
| Accounts receivable | $26.55M | $26.35M | $26.11M | $24.70M | $24.88M | +0.7% |
| Property, plant & equipment | $28.89M | $29.22M | $29.51M | $29.91M | $29.15M | -1.2% |
| Goodwill & intangibles | $7.70M | $7.71M | $11.51M | $7.87M | $7.97M | -0.2% |
| Total assets | $1.61B | $1.58B | $1.56B | $1.56B | $1.54B | +1.8% |
| Current debt | — | — | $4.17M | — | — | — |
| Long-term debt | $122.23M | $108.76M | $94.12M | $123.10M | $122.93M | +12.4% |
| Total debt | $122.23M | $108.76M | $98.39M | $123.10M | $122.93M | +12.4% |
| Total liabilities | $1.18B | $1.16B | $1.15B | $1.20B | $1.19B | +1.8% |
| Retained earnings | $251.84M | $255.80M | $248.80M | $232.86M | $225.04M | -1.5% |
| Shareholder equity | $433.04M | $425.52M | $410.37M | $365.38M | $354.75M | +1.8% |
| Net tangible assets | $425.34M | $417.80M | $398.86M | $357.51M | $346.79M | +1.8% |
| Shares issued | 26.03M | 27.21M | 28.47M | 28.52M | 29.92M | -4.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Operating cash flow | $3.99M | $32.94M | $17.99M | $25.65M | -$7.68M | -87.9% |
| Capital expenditure | -$306.80K | -$189.70K | -$99.79K | -$707.41K | -$442.55K | -61.7% |
| Investing cash flow | -$1.56M | $7.71M | $7.31M | -$2.07M | -$43.18M | -120.2% |
| Share buybacks | -$551.00K | -$785.52K | -$5.44K | -$400.93K | -$961.42K | +29.9% |
| Financing cash flow | $11.96M | $7.33M | -$25.82M | -$1.34M | -$2.03M | +63.0% |
| Free cash flow | $3.69M | $32.75M | $17.89M | $24.94M | -$8.12M | -88.7% |
| End cash position | $176.49M | $162.10M | $114.11M | $114.64M | $92.40M | +8.9% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2015 | 0.07 | 0.08 | +15.7% |
| Sep 2014 | 0.05 | 0.09 | +77.1% |
| Jun 2014 | 0.07 | 0.11 | +68.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders25.45%
Held by institutions42.34%
Institutions holding116
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
8.84
+2.30% from price
SMA 20
8.79
+2.85% from price
SMA 50
8.98
+0.69% from price
SMA 100
9.11
-0.75% from price
SMA 200
8.94
+1.06% from price
EMA 12
8.88
+1.79% from price
EMA 26
8.86
+1.99% from price
EMA 50
8.94
+1.09% from price
RSI (14)
57.0
Neutral
MACD (12,26,9)
0.02
Hist 0.06
ATR (14)
0.21
2.29% of price
Realised vol 30D
18.8%
Annualised
Bollinger upper
9.06
20, 2σ
Bollinger lower
8.52
20, 2σ
50 / 200 cross
Golden
8.98 vs 8.94
Trend bias
Above 200
+1.06%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.54
Less volatile than market
Correlation to SPY
0.23
Largely independent
Realised vol 30D
18.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.1%
Peak to trough
Max drawdown 5Y
-39.5%
Peak to trough
ATR 14
0.21
2.29% of price
Beta (reported)
0.64
5Y monthly, from filing
Short interest
Shares short
243.46K
Prior 213.71K
Change vs prior
+13.9%
Shorts adding
% of float
1.32%
Normal
% of shares out
0.93%
Against total outstanding
Days to cover
8.1
Crowded exit
Float
14.24M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split105:100
Split dateJul 10, 2026
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-06-29
Periodic Financial Reports
10-Q · 2026-05-11
Annual Report to Shareholders
ARS · 2026-04-28
Periodic Financial Reports
10-K · 2026-03-16
Periodic Financial Reports
10-Q · 2025-11-13
Periodic Financial Reports
10-Q · 2025-08-14
Offering Registrations
S-8 · 2025-07-14
Headlines
Security National Financial Corp (SNFCA) (Q2 2026) Earnings Call Highlights: Profitability ...
GuruFocus.com · 43d ago
Security National Financial Corporation Appoints Alissa Neufeld as Chief Legal Officer
GlobeNewswire · 51d ago
CORRECTION - Security National Financial Corporation Reports Financial Results For The Quarter Ended June 30, 2026
GlobeNewswire · 58d ago
Security National Financial Corporation Reports Financial Results For The Quarter Ended June 30, 2026
GlobeNewswire · 58d ago
Security National Financial: Q2 Earnings Snapshot
Associated Press · 58d ago
Security National Financial Corporation Announces 2026 Q2 Earnings Call
GlobeNewswire · 64d ago
PRIVATE STRATEGY · BY QUALIFICATION
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