SNFCA Class A Security National Financial Corporation - Class A Common Stock
NASDAQ · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$9.07
· of 52w range
· above low
· to high
$7.7052w low
$10.2352w high
P/E (TTM)
6.3
EPS (TTM)
$1.43
Revenue (TTM)
$336M
your badges
52W Range
$8–$10
Analyst Rating
·
Price Target
·
P/E
6.3
ROE
9.5%
Net Profit Margin
11.1%
Your badge strip is empty — pin a metric anywhere on this page.
SNFCA Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$9.07
P/E (TTM)
6.3
EPS (TTM)
$1.43
Revenue (TTM)
$336M
ROE (TTM)
9.5%
52W Range
$8–$10
SNFCA Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
Stock splits
| Ex-date | Split | Type |
|---|---|---|
| July 10, 2026 | 21-for-20 | Forward |
| July 11, 2025 | 21-for-20 | Forward |
| July 5, 2024 | 21-for-20 | Forward |
| July 6, 2023 | 21-for-20 | Forward |
| June 30, 2022 | 21-for-20 | Forward |
| July 8, 2021 | 21-for-20 | Forward |
| Jan. 10, 2019 | 21-for-20 | Forward |
| Jan. 11, 2018 | 21-for-20 | Forward |
| Jan. 14, 2015 | 21-for-20 | Forward |
| Jan. 15, 2014 | 21-for-20 | Forward |
| Jan. 9, 2013 | 21-for-20 | Forward |
| Jan. 11, 2012 | 21-for-20 | Forward |
| Jan. 12, 2011 | 21-for-20 | Forward |
| Jan. 13, 2010 | 21-for-20 | Forward |
| Jan. 14, 2009 | 21-for-20 | Forward |
| Jan. 16, 2008 | 21-for-20 | Forward |
| Jan. 17, 2007 | 21-for-20 | Forward |
| Jan. 18, 2006 | 21-for-20 | Forward |
| Jan. 19, 2005 | 21-for-20 | Forward |
| Dec. 31, 2003 | 21-for-20 | Forward |
| Jan. 13, 2003 | 21-for-20 | Forward |
| Jan. 4, 2002 | 21-for-20 | Forward |
| Dec. 29, 2000 | 21-for-20 | Forward |
| Jan. 3, 2000 | 21-for-20 | Forward |
| March 3, 1999 | 21-for-20 | Forward |
| Jan. 22, 1998 | 21-for-20 | Forward |
| Jan. 8, 1997 | 21-for-20 | Forward |
| Jan. 16, 1996 | 21-for-20 | Forward |
| Jan. 10, 1995 | 21-for-20 | Forward |
| Jan. 10, 1994 | 21-for-20 | Forward |
| Jan. 27, 1992 | 21-for-20 | Forward |
| Jan. 25, 1991 | 21-for-20 | Forward |
| Dec. 29, 1989 | 21-for-20 | Forward |
| Jan. 5, 1989 | 21-for-20 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$345M2019-12-31 → 2025-12-31
EPS$1.262019-12-31 → 2025-12-31
Free Cash Flow$44M2019-12-31 → 2025-12-31
Net margin11.1%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | SNFCA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 6.35Y avg ≈8.0 | ≈8.0 | 9.4 | Undervalued |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | SNFCA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 0.70%5Y avg ≈0.64% | ≈0.64% | 7.8% | Weak | |
| Pretax Margin (TTM) | 14.4%5Y avg ≈9.4% | ≈9.4% | 3.3% | Top tier | |
| Net Profit Margin (TTM) | 11.1%5Y avg ≈7.4% | ≈7.4% | 2.1% | Top tier | |
| ROA (TTM) | 2.4%5Y avg ≈1.8% | ≈1.8% | 1.2% | Top tier | |
| ROE (TTM) | 9.5%5Y avg ≈8.7% | ≈8.7% | 8.0% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | SNFCA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 3.0%5Y avg ≈-5.9% | ≈-5.9% | · | · | |
| Revenue CAGR 3Y | -4.0%5Y avg ≈-9.2% | ≈-9.2% | · | · | |
| Revenue CAGR 5Y | -6.5% | · | · | · | |
| EPS YoY | 8.6%5Y avg ≈-3.8% | ≈-3.8% | · | · | |
| Net Income YoY | 10.4%5Y avg ≈0.76% | ≈0.76% | · | · | |
| EPS CAGR 3Y | 4.0%5Y avg ≈-16.3% | ≈-16.3% | · | · | |
| EPS CAGR 5Y | -14.4% | · | · | · | |
| Net Income CAGR 3Y | 7.8%5Y avg ≈-12.7% | ≈-12.7% | · | · | |
| Net Income CAGR 5Y | -10.4% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | SNFCA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.25Y avg ≈0.2 | ≈0.2 | 0.1 | Top tier | |
| Receivables Turnover | 33.2 | · | · | · | |
| Revenue / Employee | ≈$332.9K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$0.04
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jan 25, 1993 | $0.02 | USD | ≈6.2% |
| Sep 9, 1992 | $0.02 | USD | ≈4.8% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Nov 11, 2026
| Period | Report | 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 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| 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
| 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
| 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
| 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
| 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 | · | · | · | · | · | · | · | · | · | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $13.52 | $13.95 | $14.04 | $17.75 | $22.49 | $24.98 | $15.53 | $16.15 | $17.00 | $20.12 | $19.93 | $17.55 | |
| Cash Flow / Share | $1.79 | $2.39 | $2.38 | $5.94 | $6.91 | $-6.73 | $-4.15 | $0.40 | $2.72 | $2.35 | $-1.11 | $2.40 | |
| EPS (TTM) | $1.26 | $1.16 | $0.61 | $1.12 | $1.80 | $2.74 | $0.58 | $1.19 | $0.82 | $0.77 | $0.89 | $0.57 |
Growth Rates
| 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)
| 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
| 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 | · | 24,709,518 | 26,007,334 | 24,699,405 | · | 24,418,679 | 24,474,232 | 23,325,136 | · | 23,169,141 | 23,110,818 | 22,129,713 | · | 21,976,292 | |
| Shares (Diluted) | 26,892,689 | 25,540,657 | · | 25,401,445 | 26,806,867 | 25,691,647 | · | 25,272,078 | 25,079,560 | 24,087,806 | · | 23,975,784 | 23,702,284 | 22,687,773 | · | 22,695,996 |
Balance Sheet
| 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
| 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
| 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
| 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 | · | · | · | · | · | · | · | · | · | · | · | · | · | · |
Per Share
| 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 / Share | $3.12 | $3.12 | · | $3.52 | $3.51 | $3.38 | · | $3.67 | $3.59 | $3.54 | · | $3.51 | $3.72 | $3.68 | · | $3.86 | |
| Cash Flow / Share | · | $1.29 | · | · | · | $0.39 | · | · | · | $1.09 | · | · | · | $-0.74 | · | · | |
| EPS (TTM) | $1.43 | $1.41 | · | $0.96 | $1.12 | $1.10 | · | $1.19 | $0.89 | $0.87 | · | $1.21 | $1.14 | $1.02 | · | $0.62 |
Valuation (TTM)
| 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 | $336M | $342M | · | $341M | $340M | $336M | · | $330M | $322M | $320M | · | $352M | $355M | $367M | · | $393M | |
| Net Income TTM | $37M | $37M | · | $25M | $29M | $28M | · | $29M | $22M | $21M | · | $33M | $26M | $24M | · | $10M | |
| P/E | 6.8 | 6.7 | · | 9.0 | 8.4 | 10.5 | · | 7.4 | 8.1 | 8.2 | · | 5.9 | 6.7 | 5.3 | · | 8.8 | |
| Earnings Yield | 14.8% | 14.9% | · | 11.1% | 11.9% | 9.6% | · | 13.6% | 12.3% | 12.1% | · | 17.0% | 14.9% | 18.9% | · | 11.3% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $44M | $55M | $53M | $129M | $139M |
Institutional owners (13F) 82 filers · $78.1M 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.
Holders
82
Value held
$78.1M
New positions
9
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 9 (-6 vs prior Q) | 8 (+2 vs prior Q) | 29 (+3 vs prior Q) | 20 (-2 vs prior Q) | +676K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $9,819,495 | 1,013,364 | 12.58% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $8,191,688 | 845,357 | 10.49% | Shares |
| AMERIPRISE FINANCIAL INC | $7,982,331 | 823,770 | 10.22% | Shares |
| VANGUARD GROUP INC | $7,584,942 | 841,836 | 9.71% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $7,230,038 | 746,134 | 9.26% | Shares |
| LHM, INC. | $5,548,124 | 601,188 | 7.11% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,978,020 | 410,426 | 5.10% | Shares |
| Veradace Capital Management LLC | $3,421,103 | 353,055 | 4.38% | Shares |
| RBF Capital, LLC | $2,941,244 | 303,534 | 3.77% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,678,035 | 276,371 | 3.43% | Shares |
| STATE STREET CORP | $1,885,461 | 194,578 | 2.41% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,877,341 | 193,740 | 2.40% | Shares |
| Gem Investment Advisors, LLC | $1,532,677 | 158,171 | 1.96% | Shares |
| NORTHERN TRUST CORP | $1,398,451 | 144,319 | 1.79% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,093,778 | 112,877 | 1.40% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,037,373 | 107,056 | 1.33% | Shares |
| Empowered Funds, LLC | $946,558 | 97,684 | 1.21% | Shares |
| GOLDMAN SACHS GROUP INC | $904,726 | 93,367 | 1.16% | Shares |
| EP Wealth Advisors, LLC | $619,113 | 63,892 | 0.79% | Shares |
| Verdad Advisers, LP | $581,400 | 60,000 | 0.74% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $520,228 | 53,687 | 0.67% | Shares |
| Physician Wealth Advisors, Inc. | $507,519 | 52,376 | 0.65% | Shares |
| CITADEL ADVISORS LLC | $466,796 | 48,173 | 0.60% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $452,688 | 46,717 | 0.58% | Shares |
| Scott Marsh Financial, LLC | $406,716 | 41,291 | 0.52% | Shares |
| EVERGREEN CAPITAL MANAGEMENT LLC | $380,730 | 39,291 | 0.49% | Shares |
| BARCLAYS PLC | $377,173 | 38,924 | 0.48% | Shares |
| Bank of New York Mellon Corp | $368,998 | 38,080 | 0.47% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $322,609 | 33,293 | 0.41% | Shares |
| MORGAN STANLEY | $310,730 | 32,067 | 0.40% | Shares |
| Nuveen, LLC | $250,981 | 25,901 | 0.32% | Shares |
| MILLENNIUM MANAGEMENT LLC | $201,959 | 20,842 | 0.26% | Shares |
| Lunt Capital Management, Inc. | $192,259 | 19,841 | 0.25% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $185,360 | 19,129 | 0.24% | Shares |
| BANK OF AMERICA CORP /DE/ | $160,030 | 16,515 | 0.20% | Shares |
| Squarepoint Ops LLC | $148,548 | 15,330 | 0.19% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $142,429 | 14,699 | 0.18% | Shares |
| Invesco Ltd. | $134,495 | 13,880 | 0.17% | Shares |
| WELLS FARGO & COMPANY/MN | $131,054 | 13,525 | 0.17% | Shares |
| DEUTSCHE BANK AG\ | $116,222 | 11,994 | 0.15% | Shares |
| RHUMBLINE ADVISERS | $106,046 | 10,940 | 0.14% | Shares |
| Russell Investments Group, Ltd. | $101,377 | 10,462 | 0.13% | Shares |
| Callan Family Office, LLC | $97,152 | 10,026 | 0.12% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $82,413 | 8,505 | 0.11% | Shares |
| CITIGROUP INC | $71,697 | 7,399 | 0.09% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $71,425 | 7,371 | 0.09% | Shares |
| JPMORGAN CHASE & CO | $66,503 | 6,793 | 0.09% | Shares |
| UBS Group AG | $66,086 | 6,820 | 0.08% | Shares |
| Farther Finance Advisors, LLC | $62,016 | 6,400 | 0.08% | Shares |
| Vanguard Global Advisers, LLC | $60,504 | 6,244 | 0.08% | Shares |
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.
Company insiders 22 insiders · 13 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 |
| Alissa Neufeld | Chief Legal Officer & Corp Sec | Sept. 11, 2026 A | · | 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 | VP - Mortgage Operations | March 27, 2020 A | 12,930 | 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 |
| Jordan Capital AM, LLC | 10% owner | April 1, 2015 S | 122,185 | 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
ETF ownership Held by 20 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 |
|---|---|---|---|---|
| IWC · iShares Trust | 0.04% | 59,142 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 93,499.60 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 14,011 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 8,028 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.00% | 1,483 SH | Sept. 29, 2026 | Daily |
| IWM · iShares Trust | 0.00% | 403,299 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 68,293.05 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 46,718.45 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 4,791 SH | Oct. 2, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 2,022.30 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 30,756.60 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,707.30 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 212,772 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 518,045 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.00% | 91,818 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,227 SH | Aug. 19, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 21 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 17 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 185,435 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SNFCA | · | 7.2 | 3.0% | 9.3% | 8.4% | · |
| UWMC | · | 36.5 | 18.2% | 0.87% | 1.6% | · |
| WD | $2.01B | 36.7 | 9.0% | 4.6% | 3.2% | · |
| 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% | · |
| BETR | · | · | · | · | · | · |
| LDI | · | -4.6 | -93.7% | -609.7% | -15.2% | · |
| GHI | · | -13.2 | -6.4% | -8.9% | · | · |
| FOA | · | 6.5 | 26.1% | 9.1% | 10.4% | · |
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 10, 2026