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Security National Financial Corporation (Class A) (SNFCA) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$9.28 +1.42% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.29

Security National Financial Corporation (Class A) (SNFCA) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $250.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SNFCA Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SNFCA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Security National Financial Corporation (Class A) (NASDAQ: SNFCA) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $9.28 (+1.42% 1D, market cap $250.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, SNFCA ranks #401 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SNFCA compare to CNCK and XYF in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), SNFCA carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 85.0%. By comparison, CNCK (Coincheck Group N.V.) holds a D grade (44/100 RQD, P/E N/A, ROIC —, cap $241.7M) and XYF (X Financial each representing six (Class A)) posts a D+ grade (53/100 RQD, P/E N/A, ROIC 18.8%, cap $260.8M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while SNFCA leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SNFCA?
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Per SNFCA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318673), Security National Financial Corporation (Class A) generated $344.6M in revenue (+3.0% YoY), $32.15B in net income, and $43.8M in free cash flow against $1.56B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $9.29 (+0.07%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 12.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C
Cash (10)Whales (9)SEC (13)Macro (13)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$11 Bull$9 Base$7 Bear
📬 FREE SNFCA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SNFCA)Realized 20D OHLCV Swing Band: ±3.7%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY SNFCA SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$9.09+0% Next Q
Q2 (-2Q)
55
Grade C$9.09+0.2% Next Q
Q3 (-1Q)
57
Grade C$9.11+1.9% Next Q
Current
60
Grade C-$9.28+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SNFCA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, SNFCA faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.93) or 200D SMA ($9.01) invalidates the momentum regime and cuts Target Base ($9.36) toward Bear Floor ($7.30).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SNFCA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SNFCA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

SNFCA Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (SNFCA)

No recent open-market Form 4 cluster sales or emergency dumps flagged on SNFCA. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SNFCA Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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SNFCA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.32%⚡ TESTING RESISTANCE
2026-11-03O $9.23H $9.28L $9.15C $9.28VOL 37.7K
RES: $9.29SUP: $8.45SMA50: $8.93SMA200: $9.01
$10.36$9.83$9.31$8.78$8.26RES $9.29SUP $8.45$9.282026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SNFCA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SNFCA Butterfly Map → + Track SNFCA →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +3.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SNFCA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SNFCA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SNFCA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SNFCA)

Financials Rank #401 of 1097 ⚔️ CNCK vs SNFCA Full Matrix →

1. Head-to-Head Financials Peer Comparison (SNFCA vs. CNCK, XYF, SVIA, MFIN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Security National Financial Corporation (Class A) (SNFCA) ranks #401 by composite RQD confidence (60/100, grade C-) and #844 by equity capitalization ($250.5M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while SNFCA leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. SNFCA currently leads its immediate peer cohort in composite quantitative strength at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SNFCA ACTIVE
Security National Financial Corporation (Class A)
C- 60/100 — — 85.0% +1.42% $250.5M Benchmark Subject
CNCK
Coincheck Group N.V.
D 44/100 — — — +0.79% $241.7M /cnck-vs-snfca →
XYF
X Financial each representing six (Class A)
D+ 53/100 — — 18.8% +1.68% $260.8M /xyf-vs-snfca →
SVIA
Silvia Inc.
D 50/100 — — — +5.10% $238.2M /svia-vs-snfca →
MFIN
Medallion Financial Corp.
D+ 52/100 6.2x — 10.5% -0.79% $231.9M /mfin-vs-snfca →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000318673 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Security National Financial Corporation (Class A) (SNFCA) reported GAAP revenue of $344.6M (+3.0% vs. FY2024 revenue of $334.5M , and +8.2% cumulative change since FY2023) , GAAP net income of $32.15B, operating cash flow of $45.5M, and free cash flow of $43.8M (-20.1% YoY). On the balance sheet, SNFCA closed FY2025 with $1.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $344.6M $32.15B $45.5M $43.8M $1.56B —
FY2024 (FY) 2024-12-31 $334.5M $26.54B $57.3M $54.8M $1.49B —
FY2023 (FY) 2023-12-31 $318.5M $14.49B $53.9M $53.9M — —

3. SNFCA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SNFCA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Security National Financial Corporation (Class A) (NASDAQ: SNFCA) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $9.28 (+1.42% 1D, market cap $250.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, SNFCA ranks #401 in composite RQD confidence.

How does SNFCA compare to CNCK and XYF in the Financials sector?

Within the Financials sector (Finance: Consumer Services), SNFCA carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 85.0%. By comparison, CNCK (Coincheck Group N.V.) holds a D grade (44/100 RQD, P/E N/A, ROIC —, cap $241.7M) and XYF (X Financial each representing six (Class A)) posts a D+ grade (53/100 RQD, P/E N/A, ROIC 18.8%, cap $260.8M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while SNFCA leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SNFCA?

Per SNFCA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000318673), Security National Financial Corporation (Class A) generated $344.6M in revenue (+3.0% YoY), $32.15B in net income, and $43.8M in free cash flow against $1.56B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SNFCA trading relative to its 50-day, 200-day, and 52-week technical levels?

SNFCA last traded at $9.28 (+1.42% on volume of 61,517 shares), positioning the stock +3.92% above its 50-day simple moving average ($8.93) and +3.00% above its 200-day simple moving average ($9.01). Across its 52-week range of $7.33 to $10.23, SNFCA sits at the 67.2% percentile with a 14-day RSI of 53.8 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($8.94 to $9.62).

Direct Sub-Reports: SNFCA RQD Cockpit SNFCA 12M Forecast SNFCA Earnings & Move SNFCA Dividends & DRIP SNFCA Insiders & 13F SNFCA Whale Options SNFCA Profit Sankey SNFCA News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

SNFCA — Security National Financial Corporation (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Security National Financial Corporation (Class A) (SNFCA) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $9.28 (+1.42% 1D, market capitalization $250.5M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of —, operating margin of —, and free cash flow yield of 17.35%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

And profile, Security National Financial Corporation (Class A) is a NASDAQ-listed issuer in the Financials sector, Finance: Consumer Services industry. — for specific products, customers, or revenue-generating segments. The source data reports FY 2025 revenue of $344.6M and a net margin of 68%, but does not describe the operating business model or how revenue is generated.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Security National Financial Corporation (Class A) (SNFCA) reported $344.6M in annual revenue (up from $334.5M in FY2024, +3.0% YoY) and $32.15B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($318.5M revenue, $14.49B net income) through FY2025, SNFCA scaled operating cash flow to $45.5M and free cash flow to $43.8M, backed by $1.56B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 17.35% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $7.33 – $10.23 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector classification (Financials / Finance: Consumer Services) is the only structural context provided. The one ripple-relevant signal in the news set is the RED "RISK WATCH" item, whose content beyond its headline is not provided. Investors should note that the absence of mapped links means second-order effects cannot be traced from the source data.

  • Key Question #1: Can SNFCA sustain or expand its — operating margin and 85.0% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $344.6M and free cash flow of $43.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SNFCA's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SNFCA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Security National Financial Corporation (Class A) (SNFCA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SNFCA Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SNFCA Bull vs. Bear Conversation Board — What's Your Call at $9.28?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SNFCA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SNFCA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $11.89 (+29.9%)
📌 Pinned Debate

An 85% ROIC and 17.35% FCF yield in the Roarable RQD rating point to strong cash returns on a $9.23 share price.

Here is why I am bullish on SNFCA here at $9.15: An 85% ROIC and 17.35% FCF yield in the Roarable RQD rating point to strong cash returns on a $9.23 share price.. Compare SNFCA's 0.0% operating margin and 85.0% ROIC against the rest of Finance: Consumer Services. As long as cash conversion holds up, dips toward $8.69 are getting bought.

VolSurface_Trader 🐂 BULL

@RedlineAuditor Shorting a 9/20 institutional whale-flow stock at $9.15 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $7.32 (-20.0%)
Spot @ $9.15

Declining FCF from $53.9M to $43.8M and a 4/9 Piotroski F-Score signal weakening cash generation and balance-sheet quality.

I respect the product at Security National Financial Corporation (Class A), but the stock at $9.15 is a different story. Declining FCF from $53.9M to $43.8M and a 4/9 Piotroski F-Score signal weakening cash generation and balance-sheet quality.. FCF yield is 17.35% and RQD sits at 60/100 (C-) — why pay up here when you can wait for next quarter's numbers?

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