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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.23
NSEC's Cash to Debt is ranked lower than
89% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. NSEC: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
NSEC' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.25 Max: N/A
Current: 0.23
Equity to Asset 0.32
NSEC's Equity to Asset is ranked higher than
61% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. NSEC: 0.32 )
Ranked among companies with meaningful Equity to Asset only.
NSEC' s Equity to Asset Range Over the Past 10 Years
Min: 0.22  Med: 0.34 Max: 0.46
Current: 0.32
0.22
0.46
Interest Coverage 4.94
NSEC's Interest Coverage is ranked lower than
89% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 46.58 vs. NSEC: 4.94 )
Ranked among companies with meaningful Interest Coverage only.
NSEC' s Interest Coverage Range Over the Past 10 Years
Min: 4.01  Med: 4.86 Max: 6.38
Current: 4.94
4.01
6.38
F-Score: 4
M-Score: -2.10
WACC vs ROIC
3.92%
8.74%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 10.61
NSEC's Operating margin (%) is ranked higher than
57% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. NSEC: 10.61 )
Ranked among companies with meaningful Operating margin (%) only.
NSEC' s Operating margin (%) Range Over the Past 10 Years
Min: -18.59  Med: 8.81 Max: 14.56
Current: 10.61
-18.59
14.56
Net-margin (%) 7.70
NSEC's Net-margin (%) is ranked higher than
54% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. NSEC: 7.70 )
Ranked among companies with meaningful Net-margin (%) only.
NSEC' s Net-margin (%) Range Over the Past 10 Years
Min: -11.21  Med: 6.37 Max: 11.83
Current: 7.7
-11.21
11.83
ROE (%) 10.91
NSEC's ROE (%) is ranked higher than
63% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.02 vs. NSEC: 10.91 )
Ranked among companies with meaningful ROE (%) only.
NSEC' s ROE (%) Range Over the Past 10 Years
Min: -19.55  Med: 10.14 Max: 19.98
Current: 10.91
-19.55
19.98
ROA (%) 3.36
NSEC's ROA (%) is ranked higher than
69% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NSEC: 3.36 )
Ranked among companies with meaningful ROA (%) only.
NSEC' s ROA (%) Range Over the Past 10 Years
Min: -4.97  Med: 3.16 Max: 5.46
Current: 3.36
-4.97
5.46
Revenue Growth (3Y)(%) 1.90
NSEC's Revenue Growth (3Y)(%) is ranked lower than
73% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. NSEC: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NSEC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.5  Med: 0.8 Max: 22.8
Current: 1.9
-4.5
22.8
» NSEC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-13)


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

» Details

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:PIH, NAS:UNAM, NAS:CNFR, OTCPK:PTAYF, NYSE:KFS, NAS:HALL, NAS:AFH, NAS:FNHC, OTCPK:PRBDF, NYSE:HCI, NAS:UIHC, NAS:BWINB, NYSE:HRTG, NAS:NMIH, NAS:SNC, NAS:GBLI, NAS:DGICB, NAS:EMCI, NAS:NATL, NYSE:UVE » details
National Security Group Inc is an insurance holding company. The Company through its subsidiaries provides property & casualty insurance and life insurance products & services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 8.99
NSEC's P/E(ttm) is ranked higher than
83% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. NSEC: 8.99 )
Ranked among companies with meaningful P/E(ttm) only.
NSEC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.15  Med: 6.98 Max: 900
Current: 8.99
3.15
900
PE(NRI) 8.99
NSEC's PE(NRI) is ranked higher than
82% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.31 vs. NSEC: 8.99 )
Ranked among companies with meaningful PE(NRI) only.
NSEC' s PE(NRI) Range Over the Past 10 Years
Min: 3.15  Med: 7.59 Max: 450
Current: 8.99
3.15
450
Price/Owner Earnings (ttm) 25.65
NSEC's Price/Owner Earnings (ttm) is ranked lower than
87% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.88 vs. NSEC: 25.65 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NSEC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.65  Med: 7.63 Max: 148.15
Current: 25.65
2.65
148.15
P/B 0.92
NSEC's P/B is ranked higher than
69% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.15 vs. NSEC: 0.92 )
Ranked among companies with meaningful P/B only.
NSEC' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.75 Max: 1.07
Current: 0.92
0.36
1.07
P/S 0.69
NSEC's P/S is ranked higher than
72% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. NSEC: 0.69 )
Ranked among companies with meaningful P/S only.
NSEC' s P/S Range Over the Past 10 Years
Min: 0.2  Med: 0.47 Max: 0.79
Current: 0.69
0.2
0.79
PFCF 8.97
NSEC's PFCF is ranked lower than
53% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.12 vs. NSEC: 8.97 )
Ranked among companies with meaningful PFCF only.
NSEC' s PFCF Range Over the Past 10 Years
Min: 2.22  Med: 7.13 Max: 86.64
Current: 8.97
2.22
86.64
POCF 8.76
NSEC's POCF is ranked lower than
54% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.54 vs. NSEC: 8.76 )
Ranked among companies with meaningful POCF only.
NSEC' s POCF Range Over the Past 10 Years
Min: 2.19  Med: 6.45 Max: 7605
Current: 8.76
2.19
7605
EV-to-EBIT 7.13
NSEC's EV-to-EBIT is ranked higher than
70% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.89 vs. NSEC: 7.13 )
Ranked among companies with meaningful EV-to-EBIT only.
NSEC' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.1  Med: 4.9 Max: 93.9
Current: 7.13
-10.1
93.9
EV-to-EBITDA 6.88
NSEC's EV-to-EBITDA is ranked higher than
70% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.22 vs. NSEC: 6.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
NSEC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.8  Med: 4.7 Max: 59
Current: 6.88
-10.8
59
Shiller P/E 20.43
NSEC's Shiller P/E is ranked lower than
72% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.01 vs. NSEC: 20.43 )
Ranked among companies with meaningful Shiller P/E only.
NSEC' s Shiller P/E Range Over the Past 10 Years
Min: 3.88  Med: 12.65 Max: 24.6
Current: 20.43
3.88
24.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.97
NSEC's Dividend Yield is ranked lower than
98% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. NSEC: 0.97 )
Ranked among companies with meaningful Dividend Yield only.
NSEC' s Dividend Yield Range Over the Past 10 Years
Min: 0.75  Med: 4.95 Max: 17.44
Current: 0.97
0.75
17.44
Dividend Payout 0.09
NSEC's Dividend Payout is ranked higher than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.38 vs. NSEC: 0.09 )
Ranked among companies with meaningful Dividend Payout only.
NSEC' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.42 Max: 5
Current: 0.09
0.02
5
Dividend Growth (3y) -21.00
NSEC's Dividend Growth (3y) is ranked lower than
92% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. NSEC: -21.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NSEC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -45  Med: 2.1 Max: 7.6
Current: -21
-45
7.6
Forward Dividend Yield 1.00
NSEC's Forward Dividend Yield is ranked lower than
95% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. NSEC: 1.00 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.17
NSEC's Yield on cost (5-Year) is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.67 vs. NSEC: 0.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NSEC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.13  Med: 0.85 Max: 2.99
Current: 0.17
0.13
2.99
3-Year Average Share Buyback Ratio -0.50
NSEC's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. NSEC: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NSEC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.5  Med: 0 Max: 4.2
Current: -0.5
-0.5
4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
NSEC's Price/Tangible Book is ranked higher than
76% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. NSEC: 0.92 )
Ranked among companies with meaningful Price/Tangible Book only.
NSEC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.42  Med: 0.81 Max: 7.39
Current: 0.92
0.42
7.39
Price/Projected FCF 1.28
NSEC's Price/Projected FCF is ranked lower than
77% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. NSEC: 1.28 )
Ranked among companies with meaningful Price/Projected FCF only.
NSEC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.54  Med: 0.85 Max: 71.07
Current: 1.28
0.54
71.07
Price/Median PS Value 1.47
NSEC's Price/Median PS Value is ranked lower than
87% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. NSEC: 1.47 )
Ranked among companies with meaningful Price/Median PS Value only.
NSEC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.51  Med: 1.5 Max: 2.76
Current: 1.47
0.51
2.76
Price/Graham Number 0.61
NSEC's Price/Graham Number is ranked higher than
87% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. NSEC: 0.61 )
Ranked among companies with meaningful Price/Graham Number only.
NSEC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 0.62 Max: 8.08
Current: 0.61
0.28
8.08
Earnings Yield (Greenblatt) (%) 14.04
NSEC's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.00 vs. NSEC: 14.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NSEC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 16.3 Max: 28.6
Current: 14.04
1.1
28.6
Forward Rate of Return (Yacktman) (%) 1.81
NSEC's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. NSEC: 1.81 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NSEC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -24.8  Med: 0.4 Max: 11.6
Current: 1.81
-24.8
11.6

More Statistics

Revenue (TTM) (Mil) $64.97
EPS (TTM) $ 1.99
Beta0.21
Short Percentage of Float0.34%
52-Week Range $13.10 - 20.84
Shares Outstanding (Mil)2.52
» 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 
National Security Group Inc. Reports Operating Results (10-Q) Aug 14 2009 
National Security Group Inc. Reports Operating Results (10-Q) May 15 2009 

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