B+
Bull case
20%
Probability
Target price
$10.20
Analysis reference price unavailable
Analysis 2026-08-17 · RankAlpha Sentiment Codex
SNFCA
Security National FinancialBNasdaq / Financial Services
Last Price
Quote time unavailable
Current thesis
Operational improvements are producing higher earnings despite lower revenue; sustained mortgage profitability and continued cemetery growth could support a modest re-rating, while the recurring stock-dividend policy may appeal to long-term holders. [#EARNINGS-TRANSCRIPT-2026Q2] [#8-K-2026-06-29]
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Forward guidance and analyst estimate or target revisions are unavailable.
Momentum
71
Value
62
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $9.00 · Bull $10.20 · Bear $7.80Analysis 2026-08-17; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-17 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-10
Investment thesis
As of 2026-09-10
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum71 · Δ7d -
Value62 · Δ7d +0.5
Sentiment63 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
Contradictions & invalidation
- • Forward guidance and analyst estimate or target revisions are unavailable.
- • Low coverage and a loose peer set increase uncertainty around valuation and market reaction.
- • Revenue contraction, rate and competitive sensitivity in mortgage operations, lower funeral-funding case counts, and limited analyst coverage constrain forward visibility.
Catalyst clock
2026-07-17
Recurring stock-dividend policy
Lead driver: Sentiment · See AI snapshot
Momentum
71
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
62
28% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
+1.0
Sentiment
63
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 71.3 / Value 61.8 / Sentiment 63.4
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-17. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$9.00
Analysis reference price unavailable
Analysis 2026-08-17 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$7.80
Analysis reference price unavailable
Analysis 2026-08-17 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$234.44M
Beta
0.76
Shares Out
27.26M
P/E (TTM)
12.0
P/S (TTM)
0.67
P/FCF (TTM)
6.00
Rev YoY
-6.3%
EPS YoY
+12.3%
Gross Margin
-
Op Margin
+15.6%
Net Debt
$268.1K
Current Ratio
2.81
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data