Switch to:

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 0.30
NSEC's Cash to Debt is ranked higher than
57% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. NSEC: 0.30 )
NSEC' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.3

Equity to Asset 0.26
NSEC's Equity to Asset is ranked higher than
73% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. NSEC: 0.26 )
NSEC' s 10-Year Equity to Asset Range
Min: 0.22   Max: 0.46
Current: 0.26

0.22
0.46
Interest Coverage 4.34
NSEC's Interest Coverage is ranked higher than
52% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 vs. NSEC: 4.34 )
NSEC' s 10-Year Interest Coverage Range
Min: 3.11   Max: 31.27
Current: 4.34

3.11
31.27
F-Score: 5
Z-Score: 1.08
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 (%) 11.97
NSEC's Operating margin (%) is ranked higher than
76% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. NSEC: 11.97 )
NSEC' s 10-Year Operating margin (%) Range
Min: -18.59   Max: 17.43
Current: 11.97

-18.59
17.43
Net-margin (%) 9.25
NSEC's Net-margin (%) is ranked higher than
75% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. NSEC: 9.25 )
NSEC' s 10-Year Net-margin (%) Range
Min: -11.21   Max: 12.72
Current: 9.25

-11.21
12.72
ROE (%) 16.90
NSEC's ROE (%) is ranked higher than
91% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. NSEC: 16.90 )
NSEC' s 10-Year ROE (%) Range
Min: -22.07   Max: 16.9
Current: 16.9

-22.07
16.9
ROA (%) 4.22
NSEC's ROA (%) is ranked higher than
85% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. NSEC: 4.22 )
NSEC' s 10-Year ROA (%) Range
Min: -4.92   Max: 4.45
Current: 4.22

-4.92
4.45
ROC (Joel Greenblatt) (%) 352.58
NSEC's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 217.60 vs. NSEC: 352.58 )
NSEC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -462.54   Max: 3340.52
Current: 352.58

-462.54
3340.52
Revenue Growth (%) -4.30
NSEC's Revenue Growth (%) is ranked higher than
56% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. NSEC: -4.30 )
NSEC' s 10-Year Revenue Growth (%) Range
Min: -4.5   Max: 22.8
Current: -4.3

-4.5
22.8
EBITDA Growth (%) 16.70
NSEC's EBITDA Growth (%) is ranked higher than
83% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. NSEC: 16.70 )
NSEC' s 10-Year EBITDA Growth (%) Range
Min: -14.2   Max: 60.8
Current: 16.7

-14.2
60.8
EPS Growth (%) 20.00
NSEC's EPS Growth (%) is ranked higher than
86% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. NSEC: 20.00 )
NSEC' s 10-Year EPS Growth (%) Range
Min: -37.7   Max: 68.4
Current: 20

-37.7
68.4
» 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



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 4.30
NSEC's P/E(ttm) is ranked higher than
98% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.60 vs. NSEC: 4.30 )
NSEC' s 10-Year P/E(ttm) Range
Min: 3.26   Max: 1800
Current: 4.3

3.26
1800
P/B 0.80
NSEC's P/B is ranked higher than
92% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. NSEC: 0.80 )
NSEC' s 10-Year P/B Range
Min: 0.36   Max: 1.37
Current: 0.8

0.36
1.37
P/S 0.50
NSEC's P/S is ranked higher than
93% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.28 vs. NSEC: 0.50 )
NSEC' s 10-Year P/S Range
Min: 0.2   Max: 1.1
Current: 0.5

0.2
1.1
PFCF 4.80
NSEC's PFCF is ranked higher than
91% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.78 vs. NSEC: 4.80 )
NSEC' s 10-Year PFCF Range
Min: 2.22   Max: 213.89
Current: 4.8

2.22
213.89
EV-to-EBIT 4.78
NSEC's EV-to-EBIT is ranked higher than
93% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.26 vs. NSEC: 4.78 )
NSEC' s 10-Year EV-to-EBIT Range
Min: 4.2   Max: 62.1
Current: 4.78

4.2
62.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
NSEC's Dividend Yield is ranked lower than
87% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. NSEC: 0.90 )
NSEC' s 10-Year Dividend Yield Range
Min: 0.85   Max: 17.44
Current: 0.9

0.85
17.44
Dividend Payout 0.04
NSEC's Dividend Payout is ranked higher than
97% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. NSEC: 0.04 )
NSEC' s 10-Year Dividend Payout Range
Min: 0.02   Max: 5
Current: 0.04

0.02
5
Dividend growth (3y) -45.00
NSEC's Dividend growth (3y) is ranked higher than
53% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. NSEC: -45.00 )
NSEC' s 10-Year Dividend growth (3y) Range
Min: -45   Max: 8.1
Current: -45

-45
8.1
Yield on cost (5-Year) 0.11
NSEC's Yield on cost (5-Year) is ranked lower than
91% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. NSEC: 0.11 )
NSEC' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 2.13
Current: 0.11

0.1
2.13
Share Buyback Rate -0.20
NSEC's Share Buyback Rate is ranked higher than
74% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. NSEC: -0.20 )
NSEC' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -0.3
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
NSEC's Price/Tangible Book is ranked higher than
95% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. NSEC: 0.90 )
NSEC' s 10-Year Price/Tangible Book Range
Min: 0.42   Max: 7.4
Current: 0.9

0.42
7.4
Price/DCF (Projected) 3.10
NSEC's Price/DCF (Projected) is ranked higher than
61% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. NSEC: 3.10 )
NSEC' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 16.82
Current: 3.1

0.46
16.82
Price/Median PS Value 1.00
NSEC's Price/Median PS Value is ranked higher than
79% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. NSEC: 1.00 )
NSEC' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.78
Current: 1

0.5
2.78
Price/Graham Number 0.40
NSEC's Price/Graham Number is ranked higher than
98% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. NSEC: 0.40 )
NSEC' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 23.28
Current: 0.4

0.28
23.28
Earnings Yield (Greenblatt) 21.10
NSEC's Earnings Yield (Greenblatt) is ranked higher than
92% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. NSEC: 21.10 )
NSEC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 23.8
Current: 21.1

1.6
23.8
Forward Rate of Return (Yacktman) 9.69
NSEC's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. NSEC: 9.69 )
NSEC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 129
Current: 9.69

-2.6
129

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
The 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 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 

More From Other Websites
£1.1bn Pledged To Fight 'Modern Threats' Jul 14 2014
£1.1bn To Fight Terror And Cyber Threats Jul 14 2014
German govt cancels Verizon contract in wake of U.S. spying row Jun 26 2014
German govt cancels Verizon contract in wake of U.S. spying row Jun 26 2014
NATIONAL SECURITY GROUP INC Financials May 23 2014
NATIONAL SECURITY GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 20 2014
NATIONAL SECURITY GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 14 2014
The National Security Group, Inc. Releases Earnings May 14 2014
National Security Group Inc Stock Downgraded (NSEC) May 12 2014
Kickstarter, rappers De La Soul headline Webby Award winners Apr 28 2014
NATIONAL SECURITY GROUP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 14 2014
The National Security Group, Inc. Declares Cash Dividend Apr 14 2014
IMF bails out Ukraine as Tymoshenko runs for president Mar 27 2014
IMF throws lifeline to Ukraine as Russia masses troops Mar 27 2014
National Security Group: After Years Of Difficulty, This Insurer Is Turning The Corner Mar 27 2014
U.S. jury convicts bin Laden son-in-law on terrorism charges Mar 26 2014
NATIONAL SECURITY GROUP INC Files SEC form 10-K, Annual Report Mar 21 2014
NATIONAL SECURITY GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Mar 07 2014
The National Security Group, Inc. Releases Financial Results Mar 07 2014
International operation busts Bulgarian banking fraud ring Feb 22 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide