SNFCA (Security National Financial) Moat Score: 3/10 (As of Jul. 01, 2026)


SNFCA Security National Financial Corp SNFCA
66 GF Score
Price $9.79
GF Value $10.52
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Security National Financial Moat Score?

Security National Financial SNFCA +0.97% 66 Moat Score is 3 as of Jul. 01, 2026. 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 600 Insurance companies, Security National Financial ranks better than 72.67% on this metric.

Security National Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Security National Financial has No Moat: Security National Financial operates in a competitive financial services market with low barriers to entry. The company lacks significant brand strength, intellectual property, or cost advantages, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Security National Financial might have No Moat - Very weak/transient advantages.

Security National Financial  (NAS:SNFCA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Security National Financial Moat Score Related Terms

SNFCA vs CIA, KCLI, UTGN: Moat Score Comparison

For the Insurance - Life subindustry, Security National Financial's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Security National Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Security National Financial's Moat Score falls into.


SNFCA
66GF Score
Security National Financial Corp SNFCA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Security National Financial (SNFCA) has a Moat Score of 3 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Security National Financial ranks #164 out of 600 companies in the Insurance industry, placing it in the top 27.3%.
Is Security National Financial's Moat Score too high?
Security National Financial's current Moat Score is 3. Based on the distribution chart, Security National Financial ranks #164 out of 600 companies in the Insurance industry, which is above the industry midpoint. 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 Moat Score compare to CIA and KCLI?
According to the Insurance industry distribution chart, Security National Financial ranks #164 out of 600 companies for Moat Score. This puts Security National Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Security National Financial's current Moat Score is 3. 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 $9.79 — trading 6.9% below its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Security National Financial (SNFCA), the current Moat Score is 3 as of Jul. 01, 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 $9.79 is trading 6.9% below its estimated GF Value™ of $10.52. GuruFocus considers Security National Financial to be Fairly Valued.

Key valuation signals for SNFCA:

  • Moat Score: 3
  • GF Value™: $10.52 vs. price of $9.79 (6.9% below fair value)
  • GF Score™: 66/100 with 3 warning signs

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 Business Description

Address 433 West Ascension Way, Salt Lake City, UT, USA, 84123
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.79
Price
$10.52
GF Value