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Security National Financial Corporation (Class A) (SNFCA) — RQD Stock Rating Cockpit

$9.23 +0.44% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.22

Security National Financial Corporation (Class A) (SNFCA) carries a Roarable Rating of C- (Hold) with 59/100 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.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $252.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.22 (-0.11%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 12.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

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

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SNFCA)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY SNFCA SCORES 59/100 (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 Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$9.18+0.1% Next Q

Q2 (-2Q)

Grade C-$9.19-0.4% Next Q

Q3 (-1Q)

Grade C$9.15+0.9% Next Q

Current

Grade C-$9.23+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)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 59/100 (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 ($8.91) or 200D SMA ($9.00) invalidates the momentum regime and cuts Target Base ($9.27) toward Bear Floor ($7.23).

🎲 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 59%NO 41%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE66% OF RANGE

L: $7$9.23H: $10

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on SNFCA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

85.0% ROIC with 42.0% gross margin and 17.35% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

23/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like SNFCA

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

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

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SNFCA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.07%📐 HORIZONTAL RANGE

2026-10-30O $9.28H $9.28L $9.15C $9.23VOL 37.7K

RES: $9.43SUP: $8.45SMA50: $8.91SMA200: $9.00

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #573 of 1096 ⚔️ CNCK vs SNFCA Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Security National Financial Corporation (Class A) (SNFCA) ranks #573 by composite RQD confidence (59/100, grade C-) and #846 by equity capitalization ($252.7M). Within this direct 5-issuer industry benchmark cohort, SNFCA leads on earnings valuation at N/A trailing P/E, while SNFCA leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. XYF currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with SNFCA at 59/100 (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-	59/100	—	—	85.0%	+0.44%	$252.7M	Benchmark Subject
CNCK Coincheck Group N.V.	D+	57/100	—	—	—	-2.31%	$243.6M	/cnck-vs-snfca →
DGXX Digi Power X Inc. Subordinate Voting Shares	E	24/100	—	—	-23.0%	-4.03%	$241.3M	/dgxx-vs-snfca →
SVIA Silvia Inc.	D	46/100	—	—	—	-4.49%	$267.3M	/svia-vs-snfca →
XYF X Financial each representing six (Class A)	C+	67/100	—	—	18.8%	+0.83%	$267.9M	/xyf-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 2026-11-01, 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 59/100 at a spot price of $9.23 (+0.44% 1D, market cap $252.7M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, SNFCA ranks #573 in composite RQD confidence.

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

Within the Financials sector (Finance: Consumer Services), SNFCA carries a Roarable C- (59/100 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 (57/100 RQD, P/E N/A, ROIC —, cap $243.6M) and DGXX (Digi Power X Inc. Subordinate Voting Shares) posts a E grade (24/100 RQD, P/E N/A, ROIC -23.0%, cap $241.3M). Among the 5-stock peer group, SNFCA leads on earnings multiple (N/A) 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 $9.23 (+0.44% on volume of 24,746 shares), positioning the stock +3.59% above its 50-day simple moving average ($8.91) and +2.56% above its 200-day simple moving average ($9.00). Across its 52-week range of $7.33 to $10.23, SNFCA sits at the 65.5% percentile with a 14-day RSI of 54.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($8.81 to $9.65).

SNFCA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SNFCA stock right now?

Security National Financial Corporation (Class A) (SNFCA) currently earns a Roarable Rating of C- (Hold — HOLD) with 59/100 RQD Confidence. Solid steady margins (85% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

What is SNFCA's 12-month price target and RQD AI Jury consensus?

SNFCA's 12-month base price target is $9.27 (range $7.23 to $10.94), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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