SECURITY NATIONAL FINANCIAL CORP
SNFCA · Finance Services · 17.6M shares · +6%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $3M (gross $3M, SBC $359K)
Reference price $9.45 · est. market cap ~$166M — last insider sale, 2026-04-07 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B72Security National Financial — diversified life-insurance/mortgage/cemetery operator with solid margins.
Strengths
- Net margin 9.3% (84th pct), ROA (84th)
- Strong free cash flow (86th)
Risks
- Mortgage-origination cyclicality
- Small scale
- Rate sensitivity
Notable findings
- Strong balance sheetStrong balance sheet — $485M cash & investments
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Gross margin
98.6%
Net margin
9.3%
Return on equity
7.8%
Return on assets
2.1%
Revenue growth (QoQ)
-3.9%
Net-income growth
10.4%
Free cash flow
$44M
Tangible book value
$401M
Cash & investments
$485M
Stock comp / revenue
0.4%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-14 | Overbaugh Jason G. | Option exercise | 22K | $9.54 |
| 2026-05-14 | Overbaugh Jason G. | Disposition | 7.0K | $9.54 |
| 2026-04-20 | MOODY H. CRAIG | Option exercise | 4.5K | $4.32 |
| 2026-04-20 | MOODY H. CRAIG | Option exercise | 862 | $4.52 |
| 2026-04-18 | Quist Adam George | Option exercise | 8.9K | $9.86 |
| 2026-04-07 | FULLER GILBERT A | Sell | 10K | $9.45 |
| 2026-04-01 | FULLER GILBERT A | Disposition | 615 | $9.46 |
| 2026-04-01 | Cook John L | Option exercise | 615 | $8.53 |
| 2026-04-01 | MOODY H. CRAIG | Option exercise | 615 | $8.53 |
| 2026-04-01 | Stephens Jeffrey Russell | Option exercise | 887 | $8.53 |
| 2026-04-01 | FULLER GILBERT A | Option exercise | 615 | $8.53 |
| 2026-01-07 | Cook John L | Option exercise | 4.7K | $8.54 |
| 2026-01-02 | FULLER GILBERT A | Disposition | 627 | $8.68 |
| 2026-01-02 | MOODY H. CRAIG | Option exercise | 627 | $8.68 |
| 2026-01-02 | Stephens Jeffrey Russell | Option exercise | 603 | $13.03 |
| 2026-01-02 | FULLER GILBERT A | Option exercise | 627 | $13.08 |
| 2026-01-02 | Cook John L | Option exercise | 627 | $13.08 |
| 2025-12-30 | Quist S. Andrew | Gift | 5.0K | $9.21 |
| 2025-12-30 | Overbaugh Jason G. | Gift | 4.5K | $9.21 |
| 2025-12-16 | Quist S. Andrew | Gift | 5.0K | $9.39 |
| 2025-12-12 | Stephens Jeffrey Russell | Gift | 10K | $9.01 |
| 2025-12-09 | MOODY H. CRAIG | Gift | 800 | $8.53 |
| 2025-12-03 | Quist S. Andrew | Disposition | 15K | $8.79 |
| 2025-12-03 | Quist S. Andrew | Option exercise | 33K | $3.92 |
| 2025-11-28 | Hunter Robert Gail | Option exercise | 10K | $3.92 |
| 2025-11-28 | Hunter Robert Gail | Disposition | 4.5K | $8.64 |
| 2025-10-01 | FULLER GILBERT A | Option exercise | 627 | $13.08 |
| 2025-10-01 | MOODY H. CRAIG | Option exercise | 627 | $13.08 |
| 2025-10-01 | Cook John L | Option exercise | 627 | $13.08 |
| 2025-10-01 | Stephens Jeffrey Russell | Option exercise | 603 | $13.08 |
| 2025-10-01 | FULLER GILBERT A | Disposition | 627 | $8.67 |
| 2025-07-01 | Cook John L | Option exercise | 628 | $13.08 |
| 2025-07-01 | MOODY H. CRAIG | Option exercise | 628 | $13.08 |
| 2025-07-01 | FULLER GILBERT A | Option exercise | 628 | $13.08 |
| 2025-07-01 | FULLER GILBERT A | Disposition | 628 | $9.85 |
| 2025-07-01 | Stephens Jeffrey Russell | Option exercise | 604 | $13.08 |
| 2025-04-01 | MOODY H. CRAIG | Option exercise | 627 | $13.08 |
| 2025-04-01 | Cook John L | Option exercise | 627 | $13.08 |
| 2025-04-01 | Stephens Jeffrey Russell | Option exercise | 603 | $13.08 |
| 2025-04-01 | FULLER GILBERT A | Option exercise | 627 | $13.08 |
| 2025-04-01 | FULLER GILBERT A | Disposition | 627 | $11.20 |
| 2025-03-27 | Quist S. Andrew | Option exercise | 50K | $2.99 |
| 2025-03-27 | Quist S. Andrew | Disposition | 12K | $12.61 |
| 2025-03-22 | LOVE LUDMYA B | Option exercise | 11K | $12.82 |
| 2025-02-19 | Overbaugh Jason G. | Option exercise | 46K | $13.30 |
| 2025-02-19 | Sill Garrett S. | Disposition | 2.3K | $13.30 |
| 2025-02-19 | Overbaugh Jason G. | Disposition | 11K | $13.30 |
| 2025-02-05 | Stephens Jeffrey Russell | Option exercise | 13K | $12.71 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 895 | $4.76 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 4.6K | $4.55 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 1.0K | $3.44 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 5.4K | $3.96 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 5.1K | $4.12 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 5.6K | $2.99 |
| 2025-01-15 | FULLER GILBERT A | Option exercise | 2.5K | $7.39 |
| 2025-01-02 | FULLER GILBERT A | Sell | 460 | $12.22 |
| 2025-01-02 | MOODY H. CRAIG | Option exercise | 6.3K | $4.13 |
| 2025-01-02 | MOODY H. CRAIG | Gift | 2.0K | $12.38 |
| 2025-01-02 | FULLER GILBERT A | Option exercise | 460 | $7.99 |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (1)
- Kilpatrick Life
Suppliers (0)
Named in the 10-K; linked when we track them.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-05-11 | 2026-03-31 | 0001493152-26-022202 ↗ |
| 10-K | 2026-03-16 | 2025-12-31 | 0001493152-26-010228 ↗ |
| 10-Q | 2025-11-13 | 2025-09-30 | 0001493152-25-022216 ↗ |
| 10-Q | 2025-08-14 | 2025-06-30 | 0001641172-25-023791 ↗ |
| 8-K | 2025-07-01 | 2025-06-27 | 0001641172-25-017297 ↗ |
| 8-K | 2025-06-30 | 2025-06-27 | 0001641172-25-017108 ↗ |
| 10-Q | 2025-05-15 | 2025-03-31 | 0001641172-25-010568 ↗ |
| 10-K | 2025-03-31 | 2024-12-31 | 0001641172-25-001508 ↗ |
| 10-Q | 2024-11-14 | 2024-09-30 | 0001493152-24-045535 ↗ |
| 10-Q | 2024-08-14 | 2024-06-30 | 0001493152-24-032027 ↗ |
| 8-K | 2024-06-24 | 2024-06-21 | 0001493152-24-024911 ↗ |
| 10-Q | 2024-05-14 | 2024-03-31 | 0001493152-24-019130 ↗ |