Stock fact sheet · data as of
Security National Corporation (SNLC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is SNLC undervalued?
Security National Corporation (SNLC) closed at 206.25 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 281.54, so the price sits 27% below it. 7 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
The 9 models disagree widely: Lynch gives 79.93 while 10 Cap gives 493.17. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files SNLC under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for SNLC
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 | 339.86 | +65% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 249.56 | +21% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 311.63 | +51% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 79.93 | -61% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 225.04 | +9% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 493.17 | +139% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 479.90 | +133% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 147.14 | -29% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 207.65 | +1% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -923.51 | -548% | 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
Financial health is weak: SNLC passes 0 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 7.5 out of 10, built from ten years of revenue, earnings, margins, cash flow, share count and returns on capital scored for consistency - a high reading that points to a durable business.
Returns on capital are moderate - ROIC 7.9%, ROE 12.6%, ROA 1.6% - with debt at 0.59 times equity and a free-cash-flow yield of 9.2%.
The dividend yield is high at 4.85% (payout ratio 54%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 7.9% |
|---|---|---|---|
| GLS Moat | 7.5 / 10 | ROE | 12.6% |
| Debt / equity | 0.59 | ROA | 1.6% |
| Free-cash-flow yield | 9.2% | Payout ratio | 54% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
SNLC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $338M, with a beta of -0.11 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 24 / 25 | 27% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 11 / 15 | moat 7.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $338M cap, beta -0.11 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for SNLC in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Security National Corporation by market cap within the Banks - Regional 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 |
|---|---|---|---|---|---|
| BCML BayCom Corp | 30.96 | 33.10 | +6% | 70Good | $338M |
| AVBH Avidbank Holdings, Inc. | 30.78 | 43.50 | +29% | 39No options | $338M |
| FDBC Fidelity D & D Bancorp, Inc. | 57.84 | 66.13 | +13% | 39No options | $336M |
| CFFI C&F Financial Corporation | 102.73 | 124.42 | +17% | 39No options | $334M |
| CSHX Cashmere Valley Bank | 89.89 | 123.63 | +27% | 39No options | $334M |
| FBIP FNB Bancorp, Inc. | 51.65 | 31.16 | -66% | 29No options | $333M |
| BFCC BankFirst Capital Corporation | 62.48 | 99.50 | +37% | 39No options | $331M |
| TSBK Timberland Bancorp, Inc. | 45.00 | 67.20 | +33% | 78Good | $350M |
| FSBW FS Bancorp, Inc. | 44.63 | 95.17 | +53% | 39No options | $351M |
| NASB NASB Financial, Inc. | 45.60 | 62.67 | +27% | 39No options | $325M |
| CBNA Chain Bridge Bancorp, Inc. | 49.47 | 130.44 | +62% | 39No options | $325M |
| CCFN Muncy Columbia Financial Corporation | 30.48 | 71.38 | +57% | 39No options | $324M |
⚖ Compare SNLC with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about SNLC
Is SNLC undervalued right now?
By the GLS models, moderately: at 206.25 the stock trades 27% below the average fair value of 281.54 (data as of 16 Oct 2026).
What is the Wheel Score of SNLC and what does it mean?
SNLC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for SNLC?
281.54 per share as of 16 Oct 2026 - the simple average of the 9 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 Corporation report earnings next?
No upcoming earnings date is recorded for SNLC in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does SNLC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SNLC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.