Security National FinancialSNFCA +0.73%66 Piotroski F-Score is 8 as of Jun. 24, 2026, which is 60% above its 10-year median of 5.00. GuruFocus rates SNFCA with a GF Score™ of 66/100 and a GF Value™ of $10.52 (Fairly Valued). The stock has 3 warning signs investors should review. Among 484 Insurance companies, Security National Financial ranks better than 96.69% on this metric.
Good Sign:
Piotroski F-Score is 8, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Security National Financial has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Security National Financial's Piotroski F-Score or its related term are showing as below:
SNFCA'
s Piotroski F-Score Range Over the Past 10 Years
Min: 1 Med: 5 Max: 9
Current: 8
During the past 13 years, the highest Piotroski F-Score of Security National Financial was 9. The lowest was 1. And the median was 5.
Security National Financial (NAS:SNFCA) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Security National Financial Piotroski F-Score Related Terms
Security National Financial Piotroski F-Score Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Security National Financial Piotroski F-Score Chart
SNFCA vs CIA, KCLI, UTGN: Piotroski F-Score Comparison
For the Insurance - Life subindustry, Security National Financial's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Security National Financial Piotroski F-Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Security National Financial's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Security National Financial's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 6.506 + 7.815 + 13.493 + 7.001 = $34.8 Mil. Cash Flow from Operations was -7.681 + 25.648 + 17.987 + 32.94 = $68.9 Mil. Revenue was 89.757 + 89.544 + 83.169 + 79.9 = $342.4 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(1524.25 + 1543.978 + 1562.986 + 1561.845 + 1580.784) / 5 = $1554.7686 Mil. Total Assets at the begining of this year (Mar25) was $1,524.3 Mil. Long-Term Debt & Capital Lease Obligation was $108.8 Mil. Total Assets was $1,580.8 Mil. Total Liabilities was $1,155.3 Mil.
Net Income was 7.272 + 11.831 + 2.542 + 6.414 = $28.1 Mil.
Revenue was 86.103 + 88.528 + 79.472 + 82.923 = $337.0 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(1446.502 + 1460.725 + 1494.824 + 1494.462 + 1524.25) / 5 = $1484.1526 Mil. Total Assets at the begining of last year (Mar24) was $1,446.5 Mil. Long-Term Debt & Capital Lease Obligation was $122.8 Mil. Total Assets was $1,524.3 Mil. Total Liabilities was $1,177.8 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Security National Financial's current Net Income (TTM) was 34.8.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Security National Financial's current Cash Flow from Operations (TTM) was 68.9.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Security National Financial's return on assets of this year was 0.02284074. Security National Financial's return on assets of last year was 0.01939783.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Security National Financial's gearing of this year was 0.06995253. Security National Financial's gearing of last year was 0.08275631.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Security National Financial's current ratio of this year was 1.36832666. Security National Financial's current ratio of last year was 1.29419736.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Security National Financial's number of shares in issue this year was 25.541. Security National Financial's number of shares in issue last year was 25.692.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Security National Financial's net margin of this year was 0.10168823. Security National Financial's net margin of last year was 0.0832547.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Security National Financial's asset turnover of this year was 0.22461538. Security National Financial's asset turnover of last year was 0.2329938.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
1
+
1
+
1
+
1
+
1
+
1
+
0
=
8
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Security National Financial has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
Security National Financial (SNFCA) has a Piotroski F-Score of 8 as of Jun. 24, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Security National Financial and its competitors. This is 60% above median its historical median of 5.00. Over the past decade, Security National Financial's Piotroski F-Score has ranged from 1.00 to 9.00. According to the industry distribution chart, Security National Financial ranks #16 out of 484 companies in the Insurance industry, placing it in the top 3.3%.
Is Security National Financial's Piotroski F-Score too high?
Security National Financial's current Piotroski F-Score of 8 is 60% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. The Insurance industry median Piotroski F-Score is 6.00. Security National Financial's value of 8 is 33.3% above this industry median. Based on the distribution chart, Security National Financial ranks #16 out of 484 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Security National Financial has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Security National Financial's Piotroski F-Score compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #16 out of 484 companies for Piotroski F-Score. This places Security National Financial in the top 3% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Security National Financial's value of 8 is 33.3% above this benchmark. Historically, Security National Financial's own Piotroski F-Score has ranged from 1.00 to 9.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 6.00, Security National Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for an Insurance company?
The median Piotroski F-Score among Insurance companies is 6.00, based on 484 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security National Financial's current Piotroski F-Score of 8 is 33.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Security National Financial and its competitors. For the Insurance industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security National Financial's current Piotroski F-Score is 8, which is 60% above median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security National Financial stock overvalued right now?
Based on GuruFocus' analysis, Security National Financial (SNFCA) is currently considered Fairly Valued. The stock's GF Value™ is $10.52, compared to a current price of $9.64 — trading 8.4% below its estimated fair value. The current Piotroski F-Score is 8, which is 60% above median its 10-year median of 5.00 and 33.3% above the Insurance industry median of 6.00. Security National Financial's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Piotroski F-Score is 8 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Security National Financial (SNFCA) Overvalued in 2026?
Based on GuruFocus' analysis, Security National Financial stock appears to be undervalued.
The current stock price of $9.64 is trading 8.4% below its estimated GF Value™ of $10.52.
GuruFocus considers Security National Financial to be Fairly Valued.
Key valuation signals for SNFCA:
Piotroski F-Score: 8 (60% above median its 10-year median of 5.00)
GF Value™: $10.52 vs. price of $9.64 (8.4% below fair value)
Industry Position: 33.3% above the Insurance median (#16 of 484)
No single metric tells the full story. See the SNFCA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security National Financial Corp is a holding company providing insurance services. The company operates in three reportable business segments: Life insurance, Cemetery and Mortuary, and Mortgages. The life insurance segment sells and services selected lines of life insurance, annuity products, and accident and health insurance. The cemetery and mortuary segment engages in pre-need selling of funeral, cemetery, mortuary, and cremation services through its cemetery and mortuary locations. The mortgage segment originates and underwrites or otherwise purchases residential and commercial loans for new construction, existing homes, and other real estate projects. It derives the majority of revenue from Life Insurance segment.
66GF Score
Get the complete analysis for SNFCA
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SNFCA has been successfully added to your 
