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
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.0.
What can break
Forward guidance and analyst estimate or target revisions are unavailable.
Momentum
71
Value
61
Sentiment
55
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 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-17 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-29
Investment thesis
As of 2026-10-29
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum71 · Δ7d -
Value61 · Δ7d +0.0
Sentiment55 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +0.0.
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: Value · See fundamentals
Momentum
71
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.1
Sentiment
55
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 71.3 / Value 61.3 / Sentiment 55.3
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 2026-10-29
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$251.61M
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 2026-10-29 • Updated nightlySource: Internal modelMethods & Data