Reading SNFCA? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track SNFCA free→Reading SNFCA? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track SNFCA free→NASDAQFinancialsInsurance - LifeSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is strong. Earnings quality is fragile, profits lack cash backing. Management's recent track record has been steady. Risk is moderate, and the sector backdrop is a headwind. Compared with sector peers, its earnings yield is above typical for the sector. Peer multiples imply a price about 56% above where it trades (it looks cheap on this basis); the read is cheap, value-trap risk. This pattern occurs because it trades below peer multiples, but earnings quality is fragile. The read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 5 valuation methods, at three horizons. Current price $9.51. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $9.51 SNFCA trades at 6× p/e, below its 12× p/e peer median. Our $23 fair value sits above the price; medium confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 58% below a flat-multiple fair value, below our forecast of about -4%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
Over the trailing year it converted 0.00x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 49% of the time over the next year (vs 60% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$127.
How much price usually moves either way.
On a bad day, this stock has moved -$329.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $2,173.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The FOMC's choice can change interest rates. These changes impact how much money financial companies make.
Confirms one read:FOMC raises interest rates by 25 basis points or more.
Confirms the other:FOMC keeps rates unchanged or lowers them.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for SNFCA yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Other Events. At the Board of Directors (the “Board”) Meeting of the Company on June 27, 2025, the Board declared a 5% stock dividend (the “Dividend”) on outstanding shares of the Company’s Class A and Class C Common Stock. The stock dividend will be issued on July 18, 2025 to the Class A and Class C common stockholders of record as of July 11, 2025. The Company has issued 5% stock dividends on its shares of Class A and Class C Common Stock each year from 1991 through 2024, except in 2020 whe…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Life & Health Insurance.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
SNFCA Security National Financial Corp. | Above typical Show detailsSector percentile: 93 of 100 | inexpensive | moderate |
AFL Aflac | Below typical Show detailsSector percentile: 24 of 100 | full | moderate |
MET MetLife | Above typical Show detailsSector percentile: 86 of 100 | inexpensive | moderate |
PRU Prudential Financial | Above typical Show detailsSector percentile: 92 of 100 | inexpensive | low |
PFG Principal Financial Group | Typical Show detailsSector percentile: 59 of 100 | fair | low |
1 material management or governance event in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 56% for the rest of the cohort, n=3736).
Not investment advice. As of 2026-06-15.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
No qualifying priorities for this snapshot. Check back after the next refresh.
Why it matters: Retail sales data can impact the financial sector's outlook. Strong retail sales may support growth for financial companies.
Confirms one read:Retail sales increase more than 0.5% month over month.
Confirms the other:Retail sales decrease or grow less than 0.1% month over month.
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector. This could hurt investor confidence in Security National Financial Corp.
Confirms:Revenue growth falls below the median of 15% over the last three years.
Disproves:Revenue growth stays at or above the median of 15%.