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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.37
NSEC's Cash to Debt is ranked lower than
80% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. NSEC: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
NSEC' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.26 Max: N/A
Current: 0.37
Equity to Asset 0.30
NSEC's Equity to Asset is ranked higher than
58% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NSEC: 0.30 )
Ranked among companies with meaningful Equity to Asset only.
NSEC' s 10-Year Equity to Asset Range
Min: 0.22  Med: 0.36 Max: 0.46
Current: 0.3
0.22
0.46
Interest Coverage 6.16
NSEC's Interest Coverage is ranked lower than
83% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. NSEC: 6.16 )
Ranked among companies with meaningful Interest Coverage only.
NSEC' s 10-Year Interest Coverage Range
Min: 3.11  Med: 5.94 Max: 31.27
Current: 6.16
3.11
31.27
F-Score: 6
WACC vs ROIC
4.92%
14.65%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 15.13
NSEC's Operating margin (%) is ranked higher than
64% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. NSEC: 15.13 )
Ranked among companies with meaningful Operating margin (%) only.
NSEC' s 10-Year Operating margin (%) Range
Min: -18.59  Med: 8.30 Max: 17.43
Current: 15.13
-18.59
17.43
Net-margin (%) 12.14
NSEC's Net-margin (%) is ranked higher than
66% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. NSEC: 12.14 )
Ranked among companies with meaningful Net-margin (%) only.
NSEC' s 10-Year Net-margin (%) Range
Min: -11.21  Med: 5.73 Max: 12.72
Current: 12.14
-11.21
12.72
ROE (%) 19.76
NSEC's ROE (%) is ranked higher than
86% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.69 vs. NSEC: 19.76 )
Ranked among companies with meaningful ROE (%) only.
NSEC' s 10-Year ROE (%) Range
Min: -19.55  Med: 7.69 Max: 19.98
Current: 19.76
-19.55
19.98
ROA (%) 5.52
NSEC's ROA (%) is ranked higher than
84% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. NSEC: 5.52 )
Ranked among companies with meaningful ROA (%) only.
NSEC' s 10-Year ROA (%) Range
Min: -4.97  Med: 2.92 Max: 5.46
Current: 5.52
-4.97
5.46
Revenue Growth (3Y)(%) 0.70
NSEC's Revenue Growth (3Y)(%) is ranked lower than
77% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. NSEC: 0.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NSEC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.5  Med: 0.80 Max: 22.8
Current: 0.7
-4.5
22.8
» NSEC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with NSEC

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Ratios

vs
industry
vs
history
P/E(ttm) 4.50
NSEC's P/E(ttm) is ranked higher than
96% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.60 vs. NSEC: 4.50 )
Ranked among companies with meaningful P/E(ttm) only.
NSEC' s 10-Year P/E(ttm) Range
Min: 3.15  Med: 7.16 Max: 1800
Current: 4.5
3.15
1800
Forward P/E 18.66
NSEC's Forward P/E is ranked lower than
86% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.44 vs. NSEC: 18.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 4.50
NSEC's PE(NRI) is ranked higher than
96% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.60 vs. NSEC: 4.50 )
Ranked among companies with meaningful PE(NRI) only.
NSEC' s 10-Year PE(NRI) Range
Min: 3.15  Med: 8.07 Max: 600
Current: 4.5
3.15
600
P/B 0.81
NSEC's P/B is ranked higher than
83% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. NSEC: 0.81 )
Ranked among companies with meaningful P/B only.
NSEC' s 10-Year P/B Range
Min: 0.36  Med: 0.76 Max: 1.37
Current: 0.81
0.36
1.37
P/S 0.54
NSEC's P/S is ranked higher than
90% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. NSEC: 0.54 )
Ranked among companies with meaningful P/S only.
NSEC' s 10-Year P/S Range
Min: 0.2  Med: 0.47 Max: 1.01
Current: 0.54
0.2
1.01
PFCF 1.69
NSEC's PFCF is ranked higher than
94% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. NSEC: 1.69 )
Ranked among companies with meaningful PFCF only.
NSEC' s 10-Year PFCF Range
Min: 1.68  Med: 7.50 Max: 213.89
Current: 1.69
1.68
213.89
POCF 1.64
NSEC's POCF is ranked higher than
95% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. NSEC: 1.64 )
Ranked among companies with meaningful POCF only.
NSEC' s 10-Year POCF Range
Min: 1.63  Med: 8.18 Max: 1520.5
Current: 1.64
1.63
1520.5
EV-to-EBIT 4.20
NSEC's EV-to-EBIT is ranked higher than
90% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.78 vs. NSEC: 4.20 )
Ranked among companies with meaningful EV-to-EBIT only.
NSEC' s 10-Year EV-to-EBIT Range
Min: -14135.9  Med: 6.30 Max: 62.1
Current: 4.2
-14135.9
62.1
Shiller P/E 23.13
NSEC's Shiller P/E is ranked lower than
74% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.21 vs. NSEC: 23.13 )
Ranked among companies with meaningful Shiller P/E only.
NSEC' s 10-Year Shiller P/E Range
Min: 5.01  Med: 13.12 Max: 105.89
Current: 23.13
5.01
105.89
Days Sales Outstanding 63.10
NSEC's Days Sales Outstanding is ranked higher than
64% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 83.83 vs. NSEC: 63.10 )
Ranked among companies with meaningful Days Sales Outstanding only.
NSEC' s 10-Year Days Sales Outstanding Range
Min: 2.99  Med: 55.23 Max: 140.75
Current: 63.1
2.99
140.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.99
NSEC's Dividend Yield is ranked lower than
116% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. NSEC: 0.99 )
Ranked among companies with meaningful Dividend Yield only.
NSEC' s 10-Year Dividend Yield Range
Min: 0.75  Med: 4.98 Max: 17.44
Current: 0.99
0.75
17.44
Dividend Payout 0.04
NSEC's Dividend Payout is ranked higher than
97% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. NSEC: 0.04 )
Ranked among companies with meaningful Dividend Payout only.
NSEC' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.46 Max: 13.3
Current: 0.04
0.02
13.3
Dividend growth (3y) -39.80
NSEC's Dividend growth (3y) is ranked lower than
94% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. NSEC: -39.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
NSEC' s 10-Year Dividend growth (3y) Range
Min: -45  Med: 2.10 Max: 8.1
Current: -39.8
-45
8.1
Yield on cost (5-Year) 0.13
NSEC's Yield on cost (5-Year) is ranked lower than
129% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.64 vs. NSEC: 0.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NSEC' s 10-Year Yield on cost (5-Year) Range
Min: 0.1  Med: 0.68 Max: 2.37
Current: 0.13
0.1
2.37
Share Buyback Rate -0.50
NSEC's Share Buyback Rate is ranked higher than
51% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. NSEC: -0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
NSEC' s 10-Year Share Buyback Rate Range
Min: 4.3  Med: 0.00 Max: -0.5
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.81
NSEC's Price/Tangible Book is ranked higher than
88% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. NSEC: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
NSEC' s 10-Year Price/Tangible Book Range
Min: 0.42  Med: 0.79 Max: 7.4
Current: 0.81
0.42
7.4
Price/Projected FCF 0.67
NSEC's Price/Projected FCF is ranked higher than
58% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. NSEC: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
NSEC' s 10-Year Price/Projected FCF Range
Min: 0.45  Med: 0.76 Max: 76.54
Current: 0.67
0.45
76.54
Price/Median PS Value 1.16
NSEC's Price/Median PS Value is ranked lower than
59% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. NSEC: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
NSEC' s 10-Year Price/Median PS Value Range
Min: 0.51  Med: 1.48 Max: 2.77
Current: 1.16
0.51
2.77
Price/Graham Number 0.40
NSEC's Price/Graham Number is ranked higher than
95% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. NSEC: 0.40 )
Ranked among companies with meaningful Price/Graham Number only.
NSEC' s 10-Year Price/Graham Number Range
Min: 0.28  Med: 0.63 Max: 23.28
Current: 0.4
0.28
23.28
Earnings Yield (Greenblatt) (%) 23.80
NSEC's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. NSEC: 23.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NSEC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.6  Med: 11.20 Max: 24.8
Current: 23.8
1.6
24.8
Forward Rate of Return (Yacktman) (%) 4.36
NSEC's Forward Rate of Return (Yacktman) (%) is ranked lower than
68% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.65 vs. NSEC: 4.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NSEC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -24.8  Med: 1.40 Max: 31.3
Current: 4.36
-24.8
31.3

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
National Security Group Inc was incorporated in Delaware on March 20, 1990. It is an insurance holding company offers property, casualty and life insurance products and services in the United States. The Company, through its three wholly owned subsidiaries, operates in two industry segments; property & casualty insurance and life insurance. The Property & casualty insurance segment writes personal lines coverage including dwelling fire and windstorm, homeowners, mobile homeowners, and personal non-standard automobile lines of insurance. This segment is conducted through National Security Fire & Casualty Company (NSFC), and Omega One Insurance Company (Omega). NSFC is licensed to write insurance in Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, Oklahoma, South Carolina, Tennessee and West Virginia, and operates on a surplus lines basis in the states of Louisiana, Missouri, and Texas. Omega is licensed to write insurance in Alabama and Louisiana. The property-casualty insurance business involves the transfer of all or a portion of certain risks for the payment and a premium by the insured to an insurance company. The Company's life insurance subsidiary, National Security Insurance Company (NSIC), offers a basic line of life and health and accident insurance products in six states; Alabama, Florida, Georgia, Mississippi, South Carolina, and Texas. The products of the National Security Insurance Company are marketed through a field force of agents and service representatives who are employees of the Life insurance segment and through a network of independent agents. It competes with many insurance companies of greater financial resources, including stock and mutual insurance companies. The Company's insurance subsidiaries are directly regulated by the insurance department in the state of domicile, Alabama.
» More Articles for NAS:NSEC

Headlines

Articles On GuruFocus.com
National Security Group Inc. Reports Operating Results (10-Q) Nov 12 2010 
National Security Group Inc. Reports Operating Results (10-Q) Aug 13 2010 
National Security Group Inc. Reports Operating Results (10-Q) May 14 2010 
Weekly CFO Buys Highlight: Bank of South Carolina Corp., Communications Systems Inc, American Physic Apr 18 2010 
National Security Group Inc. Reports Operating Results (10-Q) Nov 13 2009 
Conseco Announces Plan to Consolidate Insurance Subsidiaries to Build Capital Aug 31 2009 
National Security Group Inc. Reports Operating Results (10-Q) Aug 14 2009 
Conseco Announces Second Quarter 2009 Results; Reports Second Consecutive Profitable Quarter Aug 04 2009 
National Security Group Inc. Reports Operating Results (10-Q) May 15 2009 
40 86 Strategic Income Fund Declares Dividend Dec 16 2008 

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