SECURITY NATIONAL FINANCIAL CORP
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $344.6M | $334.5M | $318.5M | $389.7M | $470.7M | $481.5M |
| Operating income | — | — | — | — | — | — |
| Net income | $32.2M | $26.5M | $14.5M | $25.7M | $39.5M | $55.6M |
| Total assets | $1.56B | $1.49B | $1.43B | $1.46B | $1.55B | $1.55B |
| Total liabilities | $1.15B | $1.15B | $1.12B | $1.17B | $1.25B | $1.28B |
| Equity | $410.4M | $338.8M | $312.9M | $292.8M | $299.8M | $264.0M |
| EPS (diluted) | $1.26 | $1.11 | $0.61 | $1.12 | $1.80 | $2.74 |
| Shares out. | 25.5M | 24.0M | 23.8M | 23.0M | 22.0M | 20.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 9.3%
- Return on equity
- 7.8%
- Return on assets
- 2.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 73.7%
- Debt / equity
- 2.81×
- Book value / share
- $16.10
- Revenue growth (YoY)
- 3.0%
- Net income growth (YoY)
- 21.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.9%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 17, 2021
- NT 10-Qmissed a reporting deadline ↗Aug 14, 2017
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2005
- NT 10-Qmissed a reporting deadline ↗May 15, 2003
- NT 10-Kmissed a reporting deadline ↗Apr 1, 2003
- NT 10-Kmissed a reporting deadline ↗Apr 2, 2002
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Overbaugh Jason G.Officer — VP & Nat Mark Dir of Life Ins | May 14, 2026 | Option exercise | 21,596 | $9.54 |
| Quist Adam GeorgeOfficer — Vice President/General Counsel | Apr 18, 2026 | Option exercise | 8,934 | $9.86 |
| Moody H. CraigDirector | Apr 20, 2026 | Option exercise | 4,471 | $4.32 |
| Cook John LDirector | Apr 1, 2026 | Option exercise | 615 | $8.53 |
| Fuller Gilbert ADirector | Apr 7, 2026 | Sell | 10,000 | $9.45 |
| Moody H. CraigDirector | Apr 1, 2026 | Option exercise | 615 | $8.53 |
| Stephens Jeffrey RussellOfficer — Gen. Counsel & Corp. Sec | Apr 1, 2026 | Option exercise | 887 | $8.53 |
| Fuller Gilbert ADirector | Apr 1, 2026 | Option exercise | 615 | $8.53 |
| Cook John LDirector | Jan 2, 2026 | Option exercise | 627 | $13.08 |
| Fuller Gilbert ADirector | Jan 2, 2026 | Option exercise | 627 | $13.08 |
| Moody H. CraigDirector | Jan 2, 2026 | Option exercise | 627 | $8.68 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 198,967 | 7.7 | -4.3% |
| Apr 30, 2026 | 207,904 | 7.3 | -6.3% |
| Apr 15, 2026 | 221,820 | 6.7 | +1.7% |
| Mar 31, 2026 | 218,061 | 4.0 | -18.6% |
| Mar 13, 2026 | 267,953 | 9.2 | -6.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteJul 1, 2025
- Other material eventJun 30, 2025
- Shareholder vote · Other material eventJun 24, 2024
- Shareholder voteJun 28, 2023
- Regulation FD disclosureJun 27, 2023
- Other material eventJun 26, 2023
- Amended charter or bylawsDec 6, 2022
- Other material eventNov 3, 2022
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4PRIMARY DOCUMENTJun 1, 2026
- 10-QMay 11, 2026
- DEFA14AApr 28, 2026
- ARSApr 28, 2026
- DEF 14AApr 28, 2026
- 4PRIMARY DOCUMENTApr 23, 2026
- 4PRIMARY DOCUMENTApr 21, 2026
- 4PRIMARY DOCUMENTApr 15, 2026
- 4PRIMARY DOCUMENTApr 7, 2026
- 144Apr 7, 2026
- 4PRIMARY DOCUMENTApr 2, 2026
- 4PRIMARY DOCUMENTApr 2, 2026
- 4PRIMARY DOCUMENTApr 2, 2026
- 10-KMar 16, 2026
- 4/APRIMARY DOCUMENTJan 15, 2026
Event-driven situations (1)
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