SECURITY NATIONAL FINANCIAL CORP C (SNFCA)
Financials · life insurance and pre-need funeral services with integrated mortgage and cemetery operations · NASDAQ
A diversified financial services holding company integrating niche life insurance products, funeral/cemetery services, and mortgage lending.
What SECURITY NATIONAL FINANCIAL CORP C does
Security National Financial Corporation operates three integrated business segments: life insurance (funeral plans, interest-sensitive life insurance, annuities, and accident/health insurance sold through independent agents in 42 states); cemetery and mortuary operations (11 mortuaries and 5 cemeteries in Utah, 1 cemetery in California, and 1 cemetery plus 4 mortuaries in New Mexico, with pre-need service sales); and residential/commercial mortgage origination and underwriting through 85 retail offices in 25 states. The company's design links all three segments to cross-support profitability, with cemetery and mortuary operations raising public awareness for insurance and pre-need sales.
Themes: Life insurance / burial insurance, Pre-need funeral and cemetery services, Mortgage origination / residential lending, Niche insurance markets, Multi-segment financial services
Fundamentals
- Price$8.96 as of 2026-08-21 close
- Market cap$158M as of 2026-08-21
- 1-year return+12.6% 2025-08-21 close $7.95 → 2026-08-21 close $8.96
- P/E7.24 as of 2026-08-24
- Net margin+10.2% as of 2026-08-24
- ROE+8.9% as of 2026-08-24
- Debt / equity0.26 as of 2026-08-24
- Revenue growth (YoY)+2.6% as of 2026-08-24
- Revenue CAGR (3y)-4.0% SEC XBRL
- Beta0.66 as of 2026-08-24
- Last reported earningsn/a no earnings announcement (Form 8-K, Item 2.02) has been filed in our data yet
How SNFCA compares in its sector
- price-to-earnings ratiobottom 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How SECURITY NATIONAL FINANCIAL CORP C looks technically
SECURITY NATIONAL FINANCIAL CORP C (SNFCA) is trading 1.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 135 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 4 trading days ago.
Trend
9
| Distance from the 200-day | it is trading 1.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +1.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $9.34 | $9.34 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $8.82 | $8.82 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 9.858. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 135 trading days ago — a "golden cross", a bullish long-term signal | 135 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 1.5% above | +1.5% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend) | 20.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30) | 42.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($8.51 to $9.86) — its "stochastic" reading is 33 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 33.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 23 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $10.23 | $10.23 |
|---|---|---|
| From the 52-week high | it is 12.5% below its 52-week high (its highest price of the past year) | -12.5% |
| Above the 52-week low | it is 22.1% above its 52-week low (its lowest price of the past year) | +22.1% |
| Below the 52-week high | it is 12.5% below its highest point of the past year | 12.5% |
| Since a 20-day breakout | it made a new 20-day low about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day low about 4 trading days ago | 4 sessions |
| All-time high | its highest closing price on record is $12.33 (set on 2024-12-04) | $12.33 |
| Given back of the 52-week move | over the past year its closes ranged ($7.39 to $9.98), and it has given back roughly a third of its rise from last year’s low — 40% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $8.30 to $8.38. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 39.6% |
| From the all-time high | it is 27.4% below its all-time high | -27.4% |
| Nearest price level | it is trading 1.0% above a support level at $8.87 — a price it turned at twice since 2025-12-30, most recently on 2026-01-22. Since 2024-08-21 it has 7 such levels below the current price and 8 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.0% |
| All-time low | its lowest closing price on record is $0.2099 (set on 1990-12-05) | $0.2099 |
| Above the all-time low | it is 4167.0% above its all-time low | +4,167% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 99% of the past ~6 months) | 99th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3057 between its high and its low — about 3.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3057 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $8.62 and $9.98 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $8.62 – $9.30 – $9.98 |
| Typical daily range (% of price) | its price moves about 3.4% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.4% |
| Stretch from the 200-day average | it is trading 0.4 daily ranges above its 200-day average price (1.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.65× |
|---|
Candlestick patterns
2
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a hammer | 1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 1 session ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Open gap | it gapped 2.1% below the previous close 9 sessions ago and has not traded back through the level it left behind at 9.64 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -2.1% |
| Gap filled | a 3.5% gap up opened on 2026-07-10 has been "filled" 29 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 29 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 8.1 percentage points (the stock lost 5.7% while the market gained 2.3%) | -8.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 3.3 percentage points (the stock lost 0.2% while the market gained 3.1%) | -3.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 5.4 percentage points (the stock gained 5.6% while the market gained 11.1%) | -5.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 7.9 percentage points (the stock gained 12.6% while the market gained 20.5%) | -7.9% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.1% of the share price. | -3.6% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is sitting right on the average price paid so far this year, so the typical buyer over that stretch is roughly break-even. That average is $9.00 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | -0.5% |
|---|
Price levels it has turned at before
SNFCA last closed at $8.96 on 2026-08-21. Since 2024-08-21 it has turned at 7 prices below its last close and 8 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $8.87 | Support | 1.0% below the last close | turned there twice · 2025-12-30 to 2026-01-22 |
| $9.04 | Resistance | 1.0% above the last close | turned there 8 times · 2024-10-16 to 2026-07-23 |
| $8.65 | Support | 3.4% below the last close | turned there 7 times · 2024-10-21 to 2026-05-12 |
| $9.30 | Resistance | 3.9% above the last close | turned there four times · 2026-03-23 to 2026-06-16 |
| $8.44 | Support | 5.8% below the last close | turned there three times · 2025-06-17 to 2025-12-23 |
| $9.59 | Resistance | 7.1% above the last close | turned there twice · 2025-07-02 to 2026-06-29 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $9.86.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-12, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · lagging the market · Trading at this year’s average price paid (anchored VWAP) · Trading below the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Mortality risk and claims volatility in life insurance operations, particularly in funeral plan products targeting elderly populations (ages 45-85)","Geographic concentration risk with significant exposure to funeral and cemetery operations in Utah and New Mexico, plus insurance premiums concentrated in 9 primary states (Arkansas, California, Florida, Georgia, Louisiana, Mississippi, Tennessee, Texas, Utah)","Mortgage lending sensitivity to interest rates, housing market conditions, and residential/commercial real estate credit quality"]
What changed in the latest 10-Q
AI-assisted comparison of SNFCA's 10-Q filed 2026-05-11 against the prior one filed 2025-11-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-11) presents three-month period data for March 31, 2026 and 2025 instead of three- and nine-month periods for September 30 in older filing
- Newer filing specifies mortgage servicing rights retention at 2.04% of loan origination volume (as of 2026-05-11)
- Newer filing reports SecurityNational Mortgage originated 1,415 loans totaling $488,560,000 for Q1 2026 and 1,508 loans totaling $517,886,000 for Q1 2025
- Newer filing includes detailed three-month mortgage operations table with secondary gains, loan origination income, and fair value changes
- Removed:
- Older filing (2025-11-13) presents three- and nine-month period data for September 30, 2025 and 2024 (not present in newer filing which uses March 31 periods)
- Older filing specifies mortgage servicing rights retention at 0.43% of loan origination volume (as of 2025-11-13)
- Older filing reports SecurityNational Mortgage originated 5,216 loans totaling $1,756,289,000 for nine-month period ended September 30, 2025 and 5,505 loans for comparable 2024 period
- Older filing uses term 'mortuary' and 'Cemetery and Mortuary Operations' section heading
- Reworded:
- Strategy (ii) changed from 'increased emphasis on the cemetery and mortuary business' (2025-11-13) to 'increased emphasis on the funeral home and cemetery business' (2026-05-11)
- Strategy (iii) changed from 'capitalizing on an improving housing market' (2025-11-13) to 'capitalizing on the housing market' (2026-05-11)
- Section heading changed from 'Cemetery and Mortuary Operations' (2025-11-13) to 'Funeral Home and Cemetery Operations' (2026-05-11)
- Text changed from 'mortuary services and products through its eleven mortuaries in Utah and four mortuaries in New Mexico' (2025-11-13) to 'funeral home services and products through its eleven funeral homes in Utah and four funeral homes in New Mexico' (2026-05-11)
- Text changed from 'Pre-need mortuary and cemetery product sales' to 'Pre-need funeral home and cemetery product sales' (2026-05-11)
- Text changed from 'At-need mortuary and cemetery product sales and services' to 'At-need funeral home and cemetery product sales and services' (2026-05-11)
- Notes:
- The newer filing appears truncated at the end of the mortgage operations section ('Total segm' incomplete)
- The older filing text is also truncated at the end ('5,505 loa' incomplete)
- Comparison is limited to the provided text excerpts; full filing context unavailable
- The filings compare different fiscal periods (Q1 March 31 vs. Q3/nine-month September 30), which affects direct comparisons of financial metrics
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days0 buys · 1 sell ($94500) — 1 selling insider
Most recent open-market transaction: 2026-04-07. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SNFCA's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding SNFCA as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,366,625
- Reported value $12,955,605
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
SNFCA had 220,242 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for SNFCA because the newest share count we hold predates that settlement by more than 180 days, and a buyback or issuance in between would move the base. The reported figures above are unaffected.
- Reported short interest (shares) 220,242
- Prior settlement (shares) 235,532
- Reported change -6.49%
- Days to cover (reported) 7.99
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- FBL Financial Services (FFH)
- Kansas City Life Insurance Company (KCLI)
- Presidential Life Corporation
- Independence Life and Annuity Company
- Low to moderate income individuals ages 45-85 (funeral plan insurance)
- Pre-need funeral service buyers
- Residential mortgage borrowers
- Commercial real estate borrowers
- Life insurance, funeral services, and mortgage banking
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Frequently asked questions
What does SECURITY NATIONAL FINANCIAL CORP C (SNFCA) do?
Security National Financial Corporation operates three integrated business segments: life insurance (funeral plans, interest-sensitive life insurance, annuities, and accident/health insurance sold through independent agents in 42 states); cemetery and mortuary operations (11 mortuaries and 5 cemeteries in Utah, 1 cemetery in California, and 1 cemetery plus 4 mortuaries in New Mexico, with pre-need service sales);
What sector is SECURITY NATIONAL FINANCIAL CORP C (SNFCA) in?
SECURITY NATIONAL FINANCIAL CORP C (SNFCA) is classified in the Financials sector. Its industry is life insurance and pre-need funeral services with integrated mortgage and cemetery operations. It trades on NASDAQ.
Who are SECURITY NATIONAL FINANCIAL CORP C's (SNFCA) competitors?
Notable peers of SECURITY NATIONAL FINANCIAL CORP C (SNFCA) include FBL Financial Services, Kansas City Life Insurance Company, Presidential Life Corporation, Independence Life and Annuity Company and Low to moderate income individuals ages 45-85 (funeral plan insurance). This peer set is informational only — not financial advice.
Is SECURITY NATIONAL FINANCIAL CORP C (SNFCA) overbought or oversold right now?
SECURITY NATIONAL FINANCIAL CORP C (SNFCA) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 42, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SNFCA come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.