The company delivered broad-based operational improvements, particularly in Q4, with strong profitability in Life and Cemetery segments and a sharp Mortgage segment recovery. Traders should monitor whether the Mortgage segment can achieve profitability in 2026 and whether the company raises guidance on the earnings call.
Price Chart
Executive Summary
Security National Financial Corporation (SNFCA) reported strong full-year 2025 results with a 10.8% increase in after-tax earnings from operations to $32.15 million on 3% revenue growth to $344.6 million. Net income per share rose to $1.26 from $1.16, and book value increased to $16.54 per share. The Life and Cemetery segments delivered solid gains, while the Mortgage segment showed a dramatic Q4 turnaround despite annual losses.
Key Financial Metrics
Key Facts
- Full-year 2025 after-tax earnings from operations increased 10.8% to $32,152,000 from $29,119,000 in 2024.
- Total revenue rose 3% to $344,587,000 in 2025.
- Net earnings per share increased to $1.26 (from $1.16 in 2024), adjusted for stock dividends.
- Life Insurance segment achieved best operational year ever with 7.6% growth in pre-tax earnings.
- Cemetery/Mortuary segment delivered nearly 30% EBITDA margin and 98.6% YoY pre-tax earnings growth in Q4.
- Mortgage segment swung to a 74% net income improvement in Q4 despite 4.6% revenue decline, with pre-tax loss narrowing from $(6.2M) in 2024 to $(4.8M) in 2025.
- Book value per share increased to $16.54 from $16.16.
Financial Impact
Revenue up 3% to $344.6M, pre-tax earnings up 10.8% to $41.4M, net income up 8.6% to $32.2M, EPS up 8.6% to $1.26
Risk Factors
- Mortgage segment remains unprofitable on an annual basis, with a $4.8M pre-tax loss in 2025.
- Forward-looking statements may not materialize, especially given macroeconomic sensitivity in mortgage and insurance markets.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3256689 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 10, 2026 11w ago | Press Release | $9.31 | awaiting T+60 | — | $9.11 (−2.15%) |
Aug 10, 2026 11w ago | Press Release | $9.32 | awaiting T+60 | — | $9.11 (−2.25%) |
Jun 29, 2026 17w ago | Press Release | $9.79 $8.80 | ▼ −10.11% | ▼ −14.48% | $9.11 (−6.95%) |
Jun 29, 2026 17w ago | 8-K | $9.79 $8.80 | ▼ −10.11% | ▼ −14.48% | $9.11 (−6.95%) |
May 11, 2026 24w ago | Press Release | $9.63 $9.63 | · 0.00% | ▼ −4.38% | $9.11 (−5.40%) |
May 4, 2026 25w ago | Press Release | $9.76 $9.40 | ▼ −3.69% | ▼ −6.43% | $9.11 (−6.66%) |
Apr 28, 2026 26w ago | DEFA14A | $9.88 $9.33 | ▼ −5.57% | ▼ −9.56% | $9.11 (−7.79%) |
Mar 16, 2026 32w ago | Press Release | $9.60 $9.54 | ▼ −0.63% | ▼ −10.49% | $9.11 (−5.10%) |
US Market Status
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