Security National [SNFCA] vs Citizens [CIA] Detailed Stock Comparison

Security National Financial Corporation

NASDAQ
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Citizens, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Security National Financial Corporation wins in 14 metrics, Citizens, Inc. wins in 4 metrics, with 0 ties. Security National Financial Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Security National Financial Corporation Citizens, Inc. Better
P/E Ratio (TTM) 7.86 20.11 Security National Financial Corporation
Price-to-Book Ratio 0.60 1.21 Security National Financial Corporation
Debt-to-Equity Ratio 25.04 3.13 Citizens, Inc.
PEG Ratio N/A 0.20 N/A
EV/EBITDA 4.41 14.78 Security National Financial Corporation
Profit Margin (TTM) 9.33% 5.71% Security National Financial Corporation
Operating Margin (TTM) 22.16% 10.91% Security National Financial Corporation
EBITDA Margin (TTM) 22.16% 10.91% Security National Financial Corporation
Return on Equity 8.12% 6.55% Security National Financial Corporation
Return on Assets (TTM) 1.88% 0.64% Security National Financial Corporation
Free Cash Flow (TTM) $43.85M $17.54M Security National Financial Corporation
1-Year Return 2.35% 57.95% Citizens, Inc.
Price-to-Sales Ratio (TTM) 0.75 1.11 Security National Financial Corporation
Enterprise Value $242.56M $269.12M Citizens, Inc.
EV/Revenue Ratio 0.70 1.05 Security National Financial Corporation
Revenue per Share (TTM) $14 $5 Security National Financial Corporation
Earnings per Share (Diluted) $1.26 $0.28 Security National Financial Corporation
Beta (Stock Volatility) 0.70 0.48 Citizens, Inc.
Short % of Float 1.25% 7.87% Security National Financial Corporation

Security National Financial Corporation vs Citizens, Inc. Stock Performance Analysis

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SNFCA
CIA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Security National Financial Corporation-0.73%2.26%3.15%3.15%0.74%9.56%
Citizens, Inc.0.72%5.66%7.28%15.94%4.67%12.45%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Security National Financial Corporation2.35%29.63%55.52%191.19%1,054.22%417.84%
Citizens, Inc.57.95%141.74%8.59%-31.53%-13.13%9.66%

Performance & Financial Health Analysis: Security National Financial Corporation vs Citizens, Inc.

MetricSNFCACIA
Market Information
Market Cap i$257.60M$280.17M
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i24,00095,715
90 Day Avg. Volume i41,310120,742
Last Close$9.51$5.60
52 Week Range$7.70 - $10.00$3.25 - $6.40
% from 52W High-4.90%-12.50%
All-Time High$13.59 (Dec 02, 2024)$37.82 (Oct 10, 1988)
% from All-Time High-30.02%-85.19%
Growth Metrics
Quarterly Revenue Growth0.05%0.14%
Quarterly Earnings Growth4.31%1.03%
Financial Health
Profit Margin (TTM) i0.09%0.06%
Operating Margin (TTM) i0.22%0.11%
Return on Equity (TTM) i0.08%0.07%
Debt to Equity (MRQ) i25.043.13
Cash & Liquidity
Book Value per Share (MRQ)$16.54$4.67
Cash per Share (MRQ)$4.27$0.43
Operating Cash Flow (TTM) i$45.54M$17.99M
Levered Free Cash Flow (TTM) i$19.96M$10.72M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend i$0.00N/A

Valuation & Enterprise Metrics Analysis: Security National Financial Corporation vs Citizens, Inc.

MetricSNFCA (Apr 26, 2026)CIA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i7.8620.11
Forward P/E iN/A16.09
PEG Ratio iN/A0.20
Price to Sales (TTM) i0.751.11
Price to Book (MRQ) i0.601.21
Market Capitalization
Market Capitalization i$257.60M$280.17M
Enterprise Value i$242.56M$269.12M
Enterprise Value Metrics
Enterprise to Revenue i0.701.05
Enterprise to EBITDA i4.4114.78
Risk & Other Metrics
Beta i0.700.48
Book Value per Share (MRQ) i$16.54$4.67

Financial Statements Comparison: Security National Financial Corporation vs Citizens, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSNFCA (2025)CIA (2025)
Revenue/Sales i345.39M255.62M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i41.41M17.47M
Pre-Tax Income % of Revenue i12.0%6.8%
Income Tax i9.26M2.88M
Income Tax % of Revenue i2.7%1.1%
Net Income (Profit) i32.15M14.59M
Profit Margin i9.3%5.7%

Balance Sheet & Liquidity Metrics

MetricSNFCA (2025)CIA (2025)
Cash & Equivalents i102.26M21.42M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i94.21MN/A
Long-Term Debt % of Revenue i27.3%0.0%
Total Shareholders Equity i410.37M234.99M
Retained Earnings i248.80M71.65M
Retained Earnings % of Revenue i72.0%28.0%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSNFCA (2025)CIA (2025)
Operating Cash Flow i70.50M14.68M
Operating Cash Flow % of Revenue i20.4%5.7%
Capital Expenditures i-1.62M-447,000
Free Cash Flow i43.85M17.54M
FCF Margin i12.7%6.9%
Debt Repayment i-77.46MN/A
Common Stock Repurchase i-1.61M-278,000

Short Interest & Institutional Ownership Analysis

MetricSNFCACIA
Shares Short i221,8203.90M
Short Ratio i4.9323.21
Short % of Float i1.25%7.87%
Shares Outstanding i26.02M50.30M
Float Shares i13.38M44.92M
% Held by Insiders i26.98%11.28%
% Held by Institutions i41.36%28.22%
% Held by Public i31.66%60.50%

Dividend Analysis & Yield Comparison: Security National Financial Corporation vs Citizens, Inc.

MetricSNFCACIA
Last 12-Month Dividend i$0.00N/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend i$0.00N/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends i$0.00N/A
Ex-Dividend DateN/AN/A