Investment portfolio performance - life insurers hold bond portfolios sensitive to credit spreads and interest rate movements
Mortgage origination volumes - directly tied to housing market activity and refinancing waves driven by rate changes
Mortality experience versus actuarial assumptions - better-than-expected mortality releases reserves and boosts earnings
Regulatory capital requirements and reserve adequacy - changes in statutory accounting or reserve standards impact reported equity
moderate - Life insurance sales are relatively recession-resistant as policies are long-term commitments, though lapses may increase during economic stress. Mortgage originations are highly cyclical, declining sharply when housing turnover slows. Memorial services are non-discretionary and counter-cyclical (mortality rates can rise during recessions). The diversified model provides some offset across segments.
High sensitivity with complex dynamics. Rising rates benefit the life insurance segment by improving investment yields on new premium inflows and reducing present value of policy liabilities, but hurt existing bond portfolio values (unrealized losses). Mortgage originations collapse when rates rise as refinancing activity evaporates and home affordability declines. The company's 0.6x price/book suggests the market is pricing in significant interest rate risk or asset quality concerns. Current elevated rates (as of February 2026) likely continue to pressure mortgage volumes while gradually improving life insurance economics.
Secular decline in traditional life insurance demand as younger generations favor term products or self-insurance through investment accounts
Mortgage industry consolidation and technology disruption from fintech lenders with lower cost structures and faster digital origination
Regulatory risk from state insurance departments regarding reserve adequacy, capital requirements, and product approval processes
value - The 0.6x price/book, 7.4x EV/EBITDA, and 27% FCF yield attract deep value investors betting on asset liquidation value or turnaround potential. The -32% one-year return and small $200M market cap suggest this is a distressed/special situations name rather than institutional quality. High insider ownership typical of founder-led regional insurers may appeal to activists. The unusual profitability metrics (416% operating margin) likely reflect non-recurring items that sophisticated investors look through.
No analyst coverage available for this stock.
2 signals unavailable — limited data for this stock
Trend
-3.0% vs SMA 50 · +3.8% vs SMA 200
Momentum
Accumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
INSTITUTIONAL OWNERSHIP
SNFCA News
About
Founded in 1965, Security National Financial Corporation operates in three business segments. The Company sells and services selected lines of life insurance, annuity products, and accident and health insurance, operates cemeteries in Utah and California and mortuaries in Utah and Arizona, and originates and underwrites residential and commercial loans for new construction and existing homes.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
| $9.22 | -3.35% | $196M | 6.6 | +410621.0% | 933.1% | 1500 | |
| $297.81 | -0.70% | $798.0B | 14.1 | — | — | 1501 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1501 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1492 | |
| $49.77 | +0.00% | $353.2B | — | -45.1% | — | 1496 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1528 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1524 | |
| Sector avg | — | -0.76% | — | 18.3 | +69060.1% | 2670.3% | 1506 |