SNFCA Security National Financial Corporation - Class A Common Stock
$8.96
Price · Aug 19, 2026
Fundamentals as of Aug 10, 2026
52W Range
$8–$10
50% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
7.2
ROE
8.4%
Net Profit Margin
9.3%
SNFCA Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$8.96
Market Cap
—
P/E (TTM)
7.2
EPS (TTM)
$1.26
Revenue (TTM)
$345M
Div Yield
—
ROE
8.4%
Debt/Equity
—
52W Range
$8 – $10
SNFCA Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$345M
2019-12-31
→
2025-12-31
EPS
$1.26
2019-12-31
→
2025-12-31
Free Cash Flow
$44M
2019-12-31
→
2025-12-31
Margins
9.3%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
SNFCA
Peer Median
P/E (TTM)
7.2
9.5
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
SNFCA
Peer Median
Net Profit Margin
9.3%
1.5%
ROA
2.1%
0.32%
ROE
8.4%
3.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
SNFCA
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
SNFCA
Peer Median
Revenue YoY
3.0%
—
Revenue CAGR 3Y
-4.0%
—
Revenue CAGR 5Y
-6.5%
—
EPS YoY
8.6%
—
Net Income YoY
10.4%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
SNFCA
Peer Median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Jan. 25, 1993 | $0.0220 |
| Sept. 9, 1992 | $0.0231 |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| Dec. 31, 2025 | $0.53 | — | — |
| Sept. 30, 2025 | $0.31 | — | — |
| March 31, 2025 | $0.18 | — | — |
| Dec. 31, 2023 | $0.13 | — | — |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SNFCA | — | 7.2 | 3.0% | 9.3% | 8.4% | — |
| VEL | $822M | 7.5 | 36.8% | 56.5% | 17.7% | — |
| WSBF | $304M | 11.2 | 4.8% | 18.6% | 7.6% | — |
| ONIT | $390M | 2.1 | 9.3% | 17.8% | 34.2% | — |
| LDI | — | -4.6 | -93.7% | -609.7% | -15.2% | — |
| BETR | — | — | — | — | — | — |
| FOA | — | 6.5 | 26.1% | 9.1% | 10.4% | — |
| GHI | — | -13.2 | -6.4% | -8.9% | — | — |
| BLNE | $48M | -0.8 | 600.0% | -298.2% | -45.7% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $345M | $335M | $318M | $390M | $471M | $481M | $283M | $280M | $277M | $304M | $280M | $225M | |
| Cost of Revenue | $5M | $5M | $5M | $5M | $4M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | |
| Interest Expense | $5M | $4M | $5M | $8M | $7M | $9M | $7M | $7M | $6M | $5M | $4M | $3M | |
| Pretax Income | $41M | $37M | $16M | $34M | $52M | $71M | $14M | $26M | $8M | $20M | $21M | $14M | |
| Income Tax | $9M | $8M | $2M | $9M | $12M | $16M | $3M | $4M | $-7M | $8M | $8M | $6M | |
| Net Income | $32M | $29M | $14M | $26M | $40M | $56M | $11M | $22M | $14M | $12M | $13M | $8M | |
| EPS (Basic) | $1.30 | $1.19 | $0.63 | $1.16 | $1.87 | $2.81 | $0.59 | $1.21 | $0.84 | $0.78 | $0.92 | $0.59 | |
| EPS (Diluted) | $1.26 | $1.16 | $0.61 | $1.12 | $1.80 | $2.74 | $0.58 | $1.19 | $0.82 | $0.77 | $0.89 | $0.57 | |
| Shares (Basic) | 24,727,498 | 24,492,597 | 23,189,418 | 22,187,410 | 21,146,713 | 19,788,984 | 18,562,056 | 17,968,062 | 16,794,146 | 15,575,632 | 14,439,274 | 13,893,260 | |
| Shares (Diluted) | 25,484,312 | 25,186,505 | 23,813,324 | 23,036,128 | 21,959,629 | 20,254,407 | 18,689,602 | 18,188,665 | 17,123,427 | 15,912,592 | 14,951,833 | 14,344,475 | |
| EBITDA | $2M | $2M | $2M | $2M | $2M | $2M | · | · | · | · | · | · |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $102M | $141M | $127M | $121M | $131M | $106M | $128M | $142M | $45M | $39M | $40M | $31M | |
| Short-term Investments | · | · | · | · | · | · | · | · | · | $28M | $17M | $27M | |
| Receivables | $10M | $10M | · | · | · | · | · | · | · | · | · | · | |
| PP&E (Net) | $18M | $19M | $19M | $21M | $22M | $12M | $15M | $7M | $8M | $9M | $11M | $11M | |
| PP&E (Gross) | $33M | $33M | $33M | $34M | $41M | $32M | $34M | $25M | $26M | $29M | $30M | $28M | |
| Accum. Depreciation | $15M | $14M | $14M | $14M | $20M | $19M | $20M | $17M | $18M | $20M | $18M | $16M | |
| Goodwill | $5M | $5M | $5M | $5M | $5M | $4M | $4M | $3M | $3M | $3M | $3M | $3M | |
| Intangibles | $4M | $4M | $3M | $3M | $4M | $1M | $1M | $855.4K | · | · | · | · | |
| Total Assets | $1.56B | $1.49B | $1.43B | $1.46B | $1.55B | $1.55B | $1.33B | $1.05B | $982M | $952M | $840M | $671M | |
| Total Liabilities | $1.15B | $1.11B | $1.12B | $1.17B | $1.25B | $1.28B | $1.14B | $879M | $834M | $820M | $723M | $574M | |
| Long-term Debt | · | · | · | · | $280M | $254M | · | · | · | · | · | · | |
| Paid-in Capital | · | · | · | · | · | · | · | · | $38M | $35M | $30M | $26M | |
| Retained Earnings | $249M | $228M | $207M | $202M | $185M | $154M | $101M | $95M | $78M | $67M | $61M | $44M | |
| Treasury Stock | $9M | $8M | $6M | $4M | $2M | $2M | $2M | $206.4K | $931.1K | $1M | $2M | $2M | |
| AOCI | $29M | $34M | $-2M | $-13M | $18M | $23M | $14M | $-2.8K | $603.2K | $264.8K | $-499.4K | $1M | |
| Stockholders' Equity | $410M | $382M | $313M | $293M | $300M | $264M | $197M | $172M | $149M | $133M | $118M | $104M | |
| Liabilities + Equity | $1.56B | $1.49B | $1.43B | $1.46B | $1.55B | $1.55B | $1.33B | $1.05B | $982M | $952M | $840M | $671M |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | · | · | $5M | $4M | |
| Stock-based Comp | · | · | · | · | $118.4K | $358.9K | $257.0K | $237.1K | $395.6K | $343.6K | $387.6K | $391.2K | |
| Deferred Tax | $1M | $998.7K | $-2M | $-10M | $11M | $3M | $-2M | $-3M | $-8M | $6M | $5M | $4M | |
| Amort. of Intangibles | $347.3K | $324.0K | $254.0K | $256.0K | $100.0K | · | · | · | · | · | · | · | |
| Other Non-cash | $10M | $28M | $40M | $112M | $92M | $-191M | · | · | · | · | · | · | |
| Operating Cash Flow | $46M | $57M | $54M | $130M | $145M | $-130M | $-76M | $7M | $44M | $36M | $-28M | $-12M | |
| CapEx | $2M | $2M | $1M | $2M | $5M | $2M | $2M | $1M | $-911.0K | $4M | $4M | $2M | |
| Investing Cash Flow | $-67M | $-43M | $15M | $-37M | $-64M | $36M | $38M | $63M | $-39M | $-56M | $15M | $-45M | |
| Stock Repurchased | $2M | $3M | $3M | $8M | $6M | $3M | · | · | · | · | · | · | |
| Net Stock Activity | $-2M | $-3M | $-3M | $-8M | $-6M | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-14M | $-4M | $-62M | $-101M | $-55M | $71M | $24M | $26M | $2M | $19M | $22M | $50M | |
| Net Change in Cash | $-36M | $10M | $6M | $-8M | $26M | $-22M | $-13M | $96M | $8M | $-1M | $9M | $-7M | |
| Taxes Paid | · | $8M | $20M | $729.7K | $5M | $12M | $5M | $6M | $581.6K | · | · | · | |
| Free Cash Flow | $44M | $55M | $53M | $129M | $139M | $-131M | $-77M | $8M | $43M | $32M | $-19M | $29M | |
| Levered FCF | $40M | $52M | $48M | $123M | $134M | $-138M | $-83M | $3M | $32M | $29M | $-22M | $28M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 9.3% | 7.9% | 4.5% | 6.6% | 8.4% | 11.6% | 3.9% | 7.8% | 5.1% | 4.0% | 4.5% | 3.4% | |
| Pretax Margin | 12.0% | 10.2% | 5.1% | 8.8% | 11.0% | 14.8% | 4.9% | 9.4% | 2.7% | 6.5% | 7.0% | 5.5% | |
| EBITDA Margin | 0.70% | 0.71% | 0.74% | 0.64% | 0.41% | 0.43% | · | · | · | · | · | · | |
| ROA | 2.1% | 1.8% | 1.0% | 1.7% | 2.5% | 3.6% | 0.87% | 2.1% | 1.5% | · | 1.8% | 1.2% | |
| ROE | 8.4% | 7.8% | 4.8% | 9.2% | 13.2% | 21.4% | 5.8% | 12.6% | 9.8% | · | 11.5% | 8.1% |
Efficiency 2
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 | 0.3 | · | 0.4 | 0.4 | |
| Receivables Turnover | 33.2 | · | · | · | · | · | · | · | · | · | · | · |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 3.0% | 5.0% | -18.3% | -17.2% | -2.2% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | -4.0% | -10.8% | -12.9% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -6.5% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 8.6% | 90.2% | -45.5% | -37.8% | -34.3% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 4.0% | -13.6% | -39.4% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | -14.4% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 10.4% | 100.9% | -43.6% | -35.0% | -28.9% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.8% | -9.7% | -36.1% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | -10.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $345M | $335M | $318M | $390M | $471M | $481M | $283M | $280M | $277M | $304M | $280M | $225M | |
| Net Income TTM | $32M | $29M | $14M | $26M | $40M | $56M | $11M | $22M | $14M | $12M | $13M | $8M | |
| P/E | 7.2 | 9.9 | 13.4 | 5.6 | 4.2 | 2.4 | 7.9 | 3.2 | 4.6 | 6.0 | 5.2 | 6.8 | |
| Earnings Yield | 14.0% | 10.1% | 7.5% | 17.8% | 23.8% | 41.9% | 12.7% | 30.9% | 22.0% | 16.7% | 19.1% | 14.6% |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $84M | $80M | $83M | $89M | $90M | $83M | $79M | $88M | $86M | $81M | $75M | $80M | $84M | $80M | $108M | $83M | |
| Cost of Revenue | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Interest Expense | $1M | $996.2K | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $845.7K | $1M | $1M | $1M | $2M | $2M | |
| Pretax Income | $12M | $9M | $17M | $10M | $11M | $8M | $3M | $15M | $9M | $10M | $1M | $5M | $8M | $2M | $29M | $-3M | |
| Income Tax | $3M | $2M | $4M | $2M | $2M | $2M | $608.7K | $3M | $2M | $2M | $-1M | $1M | $2M | $344.7K | $7M | $-949.2K | |
| Net Income | $9M | $7M | $13M | $8M | $8M | $6M | $3M | $12M | $7M | $7M | $3M | $4M | $6M | $1M | $21M | $-2M | |
| EPS (Basic) | $0.34 | $0.28 | $0.54 | $0.32 | $0.32 | $0.26 | $0.09 | $0.48 | $0.30 | $0.32 | $0.13 | $0.17 | $0.27 | $0.06 | $0.74 | $0.11 | |
| EPS (Diluted) | $0.33 | $0.27 | $0.52 | $0.31 | $0.31 | $0.25 | $0.09 | $0.47 | $0.29 | $0.31 | $0.12 | $0.17 | $0.27 | $0.05 | $0.72 | $0.10 | |
| Shares (Basic) | 26,040,005 | 24,818,596 | -48,271,072 | 24,709,518 | 26,007,334 | 24,699,405 | -47,725,450 | 24,418,679 | 24,474,232 | 23,325,136 | -45,220,254 | 23,169,141 | 23,110,818 | 22,129,713 | -43,404,722 | 21,976,292 | |
| Shares (Diluted) | 26,892,689 | 25,540,657 | -49,912,637 | 25,401,445 | 26,806,867 | 25,691,647 | -49,252,939 | 25,272,078 | 25,079,560 | 24,087,806 | -46,552,517 | 23,975,784 | 23,702,284 | 22,687,773 | -45,034,992 | 22,695,996 |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $163M | $150M | $102M | $100M | $79M | $133M | $141M | $171M | $144M | $151M | $127M | $135M | $110M | $100M | $121M | $85M | |
| Receivables | $10M | $10M | $10M | · | · | · | $10M | · | · | · | · | · | · | · | · | · | |
| PP&E (Net) | $18M | $18M | $18M | $19M | $19M | $19M | $19M | $18M | $18M | $19M | $19M | $20M | $20M | $20M | $21M | $21M | |
| PP&E (Gross) | · | · | $33M | · | · | · | $33M | · | · | · | $33M | · | · | · | $34M | · | |
| Accum. Depreciation | · | · | $15M | · | · | · | $14M | · | · | · | $14M | · | · | · | $14M | · | |
| Goodwill | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| Intangibles | · | · | $4M | · | · | · | $4M | · | · | · | $3M | $3M | $3M | $3M | $3M | $54M | |
| Total Assets | $1.61B | $1.58B | $1.56B | $1.56B | $1.54B | $1.52B | $1.49B | $1.49B | $1.46B | $1.45B | $1.43B | $1.41B | $1.40B | $1.44B | $1.46B | $1.46B | |
| Total Liabilities | $1.18B | $1.16B | $1.15B | $1.20B | $1.19B | $1.18B | $1.11B | $1.15B | $1.13B | $1.13B | $1.12B | $1.12B | $1.10B | $1.15B | $1.17B | $1.19B | |
| Retained Earnings | $252M | $256M | $249M | $233M | $225M | $230M | $228M | $225M | $214M | $214M | $207M | $204M | $200M | $203M | $202M | $181M | |
| Treasury Stock | $10M | $10M | $9M | $10M | $9M | $9M | $8M | $6M | $7M | $5M | $6M | $6M | $6M | $5M | $4M | $5M | |
| AOCI | $35M | $37M | $29M | $826.8K | $-2M | $-4M | $34M | $-42.5K | $-8M | $-8M | $-7M | $-18M | $-13M | $-9M | $-13M | $-15M | |
| Stockholders' Equity | $433M | $426M | $410M | $365M | $355M | $346M | $382M | $346M | $326M | $320M | $313M | $298M | $299M | $297M | $293M | $269M | |
| Liabilities + Equity | $1.61B | $1.58B | $1.56B | $1.56B | $1.54B | $1.52B | $1.49B | $1.49B | $1.46B | $1.45B | $1.43B | $1.41B | $1.40B | $1.44B | $1.46B | $1.46B |
Cash Flow 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4M | $33M | $18M | $26M | $-8M | $10M | $22M | $27M | $-17M | $25M | $35M | $16M | $18M | $-16M | $21M | $12M | |
| CapEx | $306.8K | $189.7K | $99.8K | $707.4K | $442.5K | $441.5K | $2M | $152.5K | $167.0K | $256.2K | $318.4K | $264.3K | $276.6K | $250.6K | $633.8K | $260.3K | |
| Investing Cash Flow | $-2M | $8M | $7M | $-2M | $-43M | $-29M | $-59M | $2M | $12M | $2M | $-39M | $5M | $31M | $17M | $59M | $-60M | |
| Stock Repurchased | $551.0K | $785.5K | $5.4K | $400.9K | $961.4K | $242.3K | $1M | $43.1K | $2M | $41.1K | $3.1K | $251.9K | $1M | $1M | $386.6K | $0 | |
| Net Stock Activity | · | $-785.5K | · | · | · | $-242.3K | · | · | · | $-41.1K | · | · | · | $-1M | · | · | |
| Financing Cash Flow | $12M | $7M | $-26M | $-1M | $-2M | $15M | $-2M | $3M | $-3M | $-2M | $-4M | $4M | $-37M | $-25M | $-41M | $395.1K | |
| Net Change in Cash | $14M | $48M | $-527.2K | $22M | $-53M | $-5M | $-39M | $32M | $-8M | $25M | $-7M | $25M | $12M | $-24M | $39M | $-48M | |
| Taxes Paid | · | · | · | $2M | · | · | · | $4M | · | · | $1M | $1M | $17M | $-6.9K | $261.1K | $60.6K | |
| Free Cash Flow | · | $33M | · | · | · | $9M | · | · | · | $25M | · | · | · | $-16M | · | · | |
| Levered FCF | · | $32M | · | · | · | $8M | · | · | · | $24M | · | · | · | $-17M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 10.7% | 8.8% | · | 8.8% | 7.3% | 5.2% | · | 13.4% | 8.5% | 9.2% | · | 5.0% | 7.6% | 1.6% | · | -2.8% | |
| Pretax Margin | 13.9% | 11.3% | · | 11.4% | 9.3% | 6.7% | · | 17.2% | 10.9% | 11.8% | · | 6.4% | 9.7% | 2.0% | · | -4.0% | |
| ROA | 0.57% | 0.45% | · | 0.51% | 0.43% | 0.29% | · | 0.81% | 0.51% | 0.52% | · | 0.28% | 0.44% | 0.08% | · | -0.16% | |
| ROE | 2.3% | 1.8% | · | 2.2% | 1.9% | 1.3% | · | 3.7% | 2.3% | 2.4% | · | 1.4% | 2.2% | 0.42% | · | -0.83% |
Efficiency 2
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | |
| Receivables Turnover | 16.6 | 15.4 | · | · | · | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $343M | $341M | · | $350M | $346M | $338M | · | $335M | $331M | $325M | · | $327M | $342M | $361M | · | $401M | |
| Net Income TTM | $32M | $28M | · | $30M | $30M | $31M | · | $31M | $25M | $19M | · | $9M | $9M | $6M | · | $15M | |
| P/E | 7.9 | 8.8 | · | 7.2 | 7.9 | 9.2 | · | 7.1 | 7.0 | 9.0 | · | 12.1 | 13.4 | 12.0 | · | 6.2 | |
| Earnings Yield | 12.6% | 11.4% | · | 14.0% | 12.7% | 10.8% | · | 14.1% | 14.3% | 11.2% | · | 8.3% | 7.4% | 8.4% | · | 16.2% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $345M | $335M | $318M | $390M | $471M |
| Net Income | $32M | $29M | $14M | $26M | $40M |
| Diluted EPS | $1.26 | $1.16 | $0.61 | $1.12 | $1.80 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $44M | $55M | $53M | $129M | $139M |
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Institutional owners (13F) 85 filers · $56.8M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 15 (0 vs prior Q) | 8 (+3 vs prior Q) | 22 (+2 vs prior Q) | 19 (-1 vs prior Q) | +674K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| AMERIPRISE FINANCIAL INC | $7,982,331 | 823,770 | 14.07% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $7,708,860 | 795,548 | 13.58% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $7,230,038 | 746,134 | 12.74% | Shares |
| LHM, INC. | $5,548,124 | 601,188 | 9.78% | Shares |
| Veradace Capital Management LLC | $3,421,103 | 353,055 | 6.03% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,338,713 | 344,450 | 5.88% | Shares |
| RBF Capital, LLC | $2,941,244 | 303,534 | 5.18% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,678,035 | 276,371 | 4.72% | Shares |
| STATE STREET CORP | $1,885,461 | 194,578 | 3.32% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,877,341 | 193,740 | 3.31% | Shares |
| Gem Investment Advisors, LLC | $1,532,677 | 158,171 | 2.70% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,093,778 | 112,877 | 1.93% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,037,373 | 107,056 | 1.83% | Shares |
| Empowered Funds, LLC | $946,558 | 97,684 | 1.67% | Shares |
| EP Wealth Advisors, LLC | $619,113 | 63,892 | 1.09% | Shares |
| Verdad Advisers, LP | $581,400 | 60,000 | 1.02% | Shares |
| Physician Wealth Advisors, Inc. | $507,519 | 52,376 | 0.89% | Shares |
| CITADEL ADVISORS LLC | $466,796 | 48,173 | 0.82% | Shares |
| BlackRock, Inc. | $454,102 | 46,863 | 0.80% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $452,688 | 46,717 | 0.80% | Shares |
| Scott Marsh Financial, LLC | $406,716 | 41,291 | 0.72% | Shares |
| EVERGREEN CAPITAL MANAGEMENT LLC | $380,730 | 39,291 | 0.67% | Shares |
| BARCLAYS PLC | $374,654 | 38,664 | 0.66% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $322,609 | 33,293 | 0.57% | Shares |
| GOLDMAN SACHS GROUP INC | $296,078 | 30,555 | 0.52% | Shares |
| Nuveen, LLC | $250,981 | 25,901 | 0.44% | Shares |
| MILLENNIUM MANAGEMENT LLC | $201,959 | 20,842 | 0.36% | Shares |
| Lunt Capital Management, Inc. | $192,259 | 19,841 | 0.34% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $185,360 | 19,129 | 0.33% | Shares |
| BANK OF AMERICA CORP /DE/ | $160,030 | 16,515 | 0.28% | Shares |
| Squarepoint Ops LLC | $148,548 | 15,330 | 0.26% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $142,429 | 14,699 | 0.25% | Shares |
| DEUTSCHE BANK AG\ | $116,222 | 11,994 | 0.20% | Shares |
| Bank of New York Mellon Corp | $116,154 | 11,987 | 0.20% | Shares |
| RHUMBLINE ADVISERS | $106,046 | 10,940 | 0.19% | Shares |
| Callan Family Office, LLC | $97,152 | 10,026 | 0.17% | Shares |
| MORGAN STANLEY | $96,697 | 9,979 | 0.17% | Shares |
| Russell Investments Group, Ltd. | $85,204 | 8,793 | 0.15% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $82,413 | 8,505 | 0.15% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $71,425 | 7,371 | 0.13% | Shares |
| CITIGROUP INC | $62,743 | 6,475 | 0.11% | Shares |
| Farther Finance Advisors, LLC | $62,016 | 6,400 | 0.11% | Shares |
| Vanguard Global Advisers, LLC | $60,504 | 6,244 | 0.11% | Shares |
| Invesco Ltd. | $56,783 | 5,860 | 0.10% | Shares |
| VANGUARD GROUP INC | $56,258 | 6,244 | 0.10% | Shares |
| FMR LLC | $51,977 | 5,364 | 0.09% | Shares |
| Police & Firemen's Retirement System of New Jersey | $30,494 | 3,147 | 0.05% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $29,215 | 3,015 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $24,399 | 2,518 | 0.04% | Shares |
| NORTHERN TRUST CORP | $23,130 | 2,387 | 0.04% | Shares |
| M3F, Inc. | $20,433 | 2,108,648 | 0.04% | Shares |
| CWM, LLC | $19,083 | 2,013 | 0.03% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $16,037 | 1,655 | 0.03% | Shares |
| Ameritas Investment Partners, Inc. | $15,291 | 1,578 | 0.03% | Shares |
| Legal & General Group Plc | $13,469 | 1,390 | 0.02% | Shares |
| TUCKER ASSET MANAGEMENT LLC | $11,226 | 1,246 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $8,342 | 880 | 0.01% | Shares |
| UBS Group AG | $8,130 | 839 | 0.01% | Shares |
| Arax Advisory Partners | $7,335 | 757 | 0.01% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $6,931 | 698 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $5,291 | 546 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $4,000 | 396 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $3,391 | 350 | 0.01% | Shares |
| Sterling Capital Management LLC | $2,946 | 304 | 0.01% | Shares |
| GAMMA Investing LLC | $2,616 | 270 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $2,326 | 240 | 0.00% | Shares |
| IFP Advisors, Inc | $1,725 | 178 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $1,527 | 156 | 0.00% | Shares |
| Quarry LP | $1,454 | 150 | 0.00% | Shares |
| Allworth Financial LP | $1,057 | 109 | 0.00% | Shares |
| Essential Partners LLC | $795 | 82 | 0.00% | Shares |
| COMERICA BANK | $784 | 87 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $533 | 55 | 0.00% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $379 | 40 | 0.00% | Shares |
| Transamerica Financial Advisors, LLC | $339 | 35 | 0.00% | Shares |
| True Wealth Design, LLC | $175 | 18 | 0.00% | Shares |
| PRICE T ROWE ASSOCIATES INC /MD/ | $117 | 12,016 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $48 | 5 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $39 | 4 | 0.00% | Shares |
| Sunbelt Securities, Inc. | $19 | 2 | 0.00% | Shares |
| Wealth Enhancement Trust Services, Inc. | $19 | 2 | 0.00% | Shares |
| NISA INVESTMENT ADVISORS, LLC | $10 | 1 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $10 | 1 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $10 | 1 | 0.00% | Shares |
| Covestor Ltd | $0 | 49 | 0.00% | Shares |
Company insiders 20 insiders · 12 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Scott M Quist | Chairman of the Board/Pres/CEO | Dec. 6, 2024 A | 119,667 | 0 | 0 | $0 |
| Garrett S. Sill | Chief Financial Officer | Dec. 5, 2025 A | 72,517 | 0 | 0 | $0 |
| Stephen M Sill | VP, Treasurer, CFO | April 13, 2012 A | 67,796 | 0 | 0 | $0 |
| Jeffrey Russell Stephens | Gen. Counsel & Corp. Sec | July 1, 2026 A | 37,123 | 0 | 0 | $0 |
| Jason G. Overbaugh | VP & Nat Mark Dir of Life Ins | May 14, 2026 M | 103,385 | 0 | 0 | $0 |
| Adam George Quist | Vice President/General Counsel | Dec. 5, 2025 A | 19,942 | 0 | 0 | $0 |
| Andrew S. Quist | Vice President/General Counsel | Dec. 5, 2025 A | 159,985 | 0 | 0 | $0 |
| Stephen Charles Johnson | Vice Pres-Mortgage Operations | March 27, 2020 A | 8,603 | 0 | 0 | $0 |
| Christie Overbaugh | Sr. VP Life Ins. Inter. Op. | Nov. 30, 2018 A | 135,549 | 0 | 0 | $0 |
| Jack Lynn Beckstead JR | VP Mortgage Operations | Dec. 5, 2014 A | 149,503 | 0 | 0 | $0 |
| George Robert Quist | Chairman and Chief Exective Of | April 13, 2012 A | 4,729,910 | 0 | 0 | $0 |
| George Robert Quist JR | First V.P. and Secretary | March 31, 2008 A | 57,370 | 0 | 0 | $0 |
| John L Cook | Director | July 1, 2026 A | 25,136 | 0 | 0 | $0 |
| Howard Craig Moody | Director | July 1, 2026 A | 50,093 | 0 | 0 | $0 |
| Gilbert A Fuller | Director | July 1, 2026 A | 31,973 | 0 | 1 | $-94,500 |
| Shital Ashok Mehta | Director | Dec. 5, 2025 A | — | 0 | 0 | $0 |
| Robert Gail Hunter Dr | Director | Dec. 5, 2025 A | 61,631 | 0 | 0 | $0 |
| Ludmya B Love | Director | Dec. 6, 2024 A | 10,565 | 0 | 0 | $0 |
| Charles L Crittenden | Director | April 13, 2012 A | 6,781 | 0 | 0 | $0 |
| Norman G Wilbur | — | March 27, 2020 A | 3,165 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 6 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Undisclosed reporting person | Dec. 10, 2004 | — | Initial filing | — | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Dec. 10, 2004 | — | Initial filing | Passive investment | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Dec. 10, 2004 | — | Initial filing | — | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Aug. 13, 2003 | — | Initial filing | Passive investment | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Jan. 9, 2003 | — | Initial filing | Passive investment | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Jan. 8, 2003 | — | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 26 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| GSSC · Goldman Sachs ETF Trust | 0.02% | 22,307 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 71,926 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.00% | 7,033 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 61,441 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 766 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 42,303 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 598 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 605 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,926 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 15 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 427 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 29,292 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,626 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 21 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 17 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | July 13, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |