Stock fact sheet · data as of
Security National Financial Corporation (SNFCA): fair value, margin of safety and Wheel Score
Ticker symbol SNFCA · Financial Services · Insurance - Life · United States · Class A common stock · Blend
SNFCA is Security National Financial Corporation's Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is SNFCA undervalued?
At 9.44 (close of 5 Nov 2026), SNFCA trades 93% below the GLS average fair value of 144.93. That average comes from 8 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Security National Financial Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between Lynch (5.10) and DCF (815.63). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for SNFCA, so the nightly engine files it under Blend (value score 92, growth score 92, out of 100).
Nine valuation models for SNFCA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 815.63 | +8540% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 23.15 | +145% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 21.88 | +132% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.10 | -46% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 87.67 | +829% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 69.57 | +637% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 120.53 | +1177% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 15.91 | +69% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -39.52 | -519% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Security National Financial Corporation scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. On durability SNFCA scores 6.1/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 6.3%, ROE 7.8%, ROA 2.1% - with debt at 0.24 times equity and a free-cash-flow yield of 35.6%.
Security National Financial Corporation pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Life Insurance 65%, Mortgage 35% (quarter Q2 FY2026).
Institutional ownership scores 5/10, insider activity 8/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 11 Sep 2026.
| Piotroski F-score | 7 / 9 | ROIC | 6.3% |
|---|---|---|---|
| GLS Moat | 6.1 / 10 | ROE | 7.8% |
| Debt / equity | 0.24 | ROA | 2.1% |
| Free-cash-flow yield | 35.6% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 8 · 5 / 10 |
Wheel Score 35: No options
No options are listed on Security National Financial Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 35, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 83k shares a day on a market cap of $223M, with a beta of 0.62 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $223M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 93% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.1/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.62, $223M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
Security National Financial Corporation reports earnings on 9 Nov 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Life
The 12 companies below are the closest to Security National Financial Corporation by market cap within the Insurance - Life industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CIA Citizens, Inc. | 4.13 | 5.70 | +28% | 35Weak | $209M |
| PKIN Pekin Life Insurance Company | 11.75 | 5.43 | -116% | 11No options | $201M |
| UTGN UTG, Inc. | 61.28 | 118.07 | +48% | 32No options | $192M |
| KCLI Kansas City Life Insurance Company | 34.60 | 21.07 | -64% | 13No options | $335M |
| ABX Abacus Global Management, Inc. | 9.05 | 33.54 | +73% | 43Weak | $885M |
| MHNC Maiden Holdings North America, Ltd. | 10.95 | 28.51 | +62% | 28No options | $1.1B |
| AAME Atlantic American Corporation | 1.19 | 13.99 | +91% | 32No options | $24M |
| BHFAP Brighthouse Financial, Inc. | 12.54 | 124.47 | +90% | 29No options | $2.1B |
| BHF Brighthouse Financial, Inc. | 42.45 | 181.74 | +77% | 39Weak | $2.4B |
| BHFAM Brighthouse Financial, Inc. | 9.37 | 118.40 | +92% | 29No options | $2.5B |
| BHFAN Brighthouse Financial, Inc. | 10.54 | 120.64 | +91% | 29No options | $2.5B |
| BHFAO Brighthouse Financial, Inc. | 12.89 | 125.14 | +90% | 29No options | $2.5B |
⚖ Compare SNFCA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SNFCA
What kind of share is SNFCA?
SNFCA is Security National Financial Corporation's Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is SNFCA undervalued right now?
By the GLS models, yes: at 9.44 the stock is 93% below the average fair value of 144.93 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SNFCA and what does it mean?
SNFCA has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for SNFCA?
144.93 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Security National Financial Corporation report earnings next?
The next earnings report is due on 9 Nov 2026, 4 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does SNFCA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SNFCA, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.