Security National Financial Corporation (SNFC) operates across three distinct sectors: life insurance, cemetery and mortuary services, and mortgage lending. Its Life Insurance ...
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| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $344.6M | +4106.2% | +5.3% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $32.2M | +21.2% | +28.3% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +70.7% | +47.2% | +2.6% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +12.0% | -97.1% | +22.4% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +9.3% | -97.1% | +21.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $43.8M | -20.1% | -88.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +12.7% | -98.1% | -89.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 24.0% | -23.9% | +10.4% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 6.40x | -64.2% | -100.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $1.6B | +4.8% | +1.8% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | — | — | — | — |
| Revenue Surprise | — | — | — | — |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Neufeld Alissa | officer | — | — | 0 | — |
| Jul 1, 2026 | Cook John L | director | Restricted Stock Unit | D | 616 | $8.53 |
| Jul 1, 2026 | Cook John L | director | Class A Common Stock | A | 616 | $8.53 |
| Jul 1, 2026 | MOODY H. CRAIG | director | Restricted Stock Unit | D | 616 | $8.53 |
| Jul 1, 2026 | MOODY H. CRAIG | director | Class A Common Stock | A | 616 | $8.53 |
Scott Milton Quist: Than we do today. In summary, I believe we have improved capacity, more talented people, greater wherewithal, and better sales offerings for both product processes. Than we have ever had. In a nutshell, when viewed as a whole, SNFC increased profitability in the quarter by 7.3% and for the first half by 8.1%, despite a decline in revenue. Many thanks to our hard working teams for achieving those impressive operational results. Garrett Stephen Sill: Thank you, Scott, and good afternoon, and thank you for joining us today. My name is Garrett Stephen Sill. I am the chief financial officer at Security National Financial Corporation. This was a good quarter for the company, and I too want to thank all our employees for their efforts and dedication in making Security National a great company. In addition to what Scott shared, I want to highlight a few additional items regarding our consolidated financial statements. First, on our balance sheet, total assets grew to $1.61 billion as of 06/30/2026, an increase of $47.5 million or 3% compared to year end. We also saw a 60% increase in cash and cash equivalents while our combined investment portfolio decreased $13 million or 1.2% to just over $1 billion as we continue to look for opportunities to deploy the elevated cash balances we discussed in our last call and this call. Total liabilities increased $24.8 million or 2.2% to $1.18 billion. Stockholders' equity increased $22.7 million or 5.5% to $433 million as a result, our debt to equity ratio improved to 2.72x from 2.81x at year end reflecting a continued strengthening of our capital position. Moving to our statement of earnings, net earnings for the second quarter were $9 million, an increase of nearly $2 million or 28.3% compared to net earnings of $7 million in the second quarter of 2026. On a year-over-year basis, net earnings for the 6 months ended 06/30, 2026, increased 8.1% compared to the same period in 2025 which Scott addressed in his remarks. I would also note that combined commissions and personnel expense are 2 largest cost categories decreased $4.8 million or 13.5% for the quarter and $8 million or 11.8% year to date compared to the same period in 2025 reflecting continued efficiency efforts across our segments. As a reminder, all 2025 figures referenced today have been revised to reflect our adoption of LDTI. So these quarter-over-quarter and year-over-year comparisons are being made on a consistent basis. Speaking of LDTI, I would like to draw your attention to our statement of comprehensive income. Which showed a notable divergence between our quarterly and year to date results this quarter. For the 6 months ended 06/30, 2026, comprehensive income totaled $22.4 million, an increase of 86.6% compared to the $12 million for the same period last year. This year to date improvement was driven primarily by the interest rate remeasurement of our future policy benefits under LDTI, which swung from a 12 excuse me, a $10.2 …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Scott Milton Quist | Chairman, President & Chief Executive Officer | USD 2,224,959 | Male | 1953 | Active |
Garrett Stephen Sill | Chief Financial Officer & Treasurer | USD 1,006,114 | Male | 1971 | Active |
Scott Andrew Quist | Vice President of Mortgage Operations & Director | USD 905,494 | Male | 1980 | Active |
Adam George Quist | Vice President of Life Insurance and Memorial Services & Director | USD 820,756 | Male | 1986 | Active |
Jason Gary Overbaugh | Vice President, National Marketing Director of Life Insurance & Director | USD 636,251 | Male | 1975 | Active |
Jeffrey Russell Stephens | Senior General Counsel & Corporate Secretary | USD 343,794 | Male | 1954 | Active |
Heather Street | Executive Director of Human Resources | — | — | — | Active |
Matthew G. Bagley | General Counsel | — | Male | — | Active |
Jeffrey Adams | Controller | — | Male | — | Active |
Thayne D. Atkinson | Vice President & Chief Information Officer | — | Male | — | Active |
Veteran General Counsel joins the executive team effective August 17, 2026 Veteran General Counsel joins the executive team effective August 17, 2026
Security National Financial Corporation (SNFCA) Q2 2026 Earnings Call Prepared Remarks Transcript
SALT LAKE CITY, Aug. 04, 2026 (GLOBE NEWSWIRE) -- Security National Financial Corporation (NASDAQ: SNFCA) announces that on August 13, 2026, it will hold an earnings call to highlight its 2nd quarter earnings. The 30-minute call will commence at approximately 1PM (MDT) on August 13th and will include a review of its quarterly results as well as an update from the Company's three business segments.
SALT LAKE CITY, June 29, 2026 (GLOBE NEWSWIRE) -- Security National Financial Corporation (NASDAQ: SNFCA) announces that on June 26, 2026, its Board of Directors has authorized a 5% stock dividend for stockholders of record on July 10, 2026. The stock dividend will be issued on July 17, 2026.
Security National Financial Corporation (SNFCA) Shareholder/Analyst Call Prepared Remarks Transcript
