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

Citizens, Inc.

NYSE
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Security National Financial Corporation

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

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

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CIA
SNFCA

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricCIASNFCA
Market Information
Market Cap i$280.17M$257.60M
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i95,71524,000
90 Day Avg. Volume i120,74241,310
Last Close$5.60$9.51
52 Week Range$3.25 - $6.40$7.70 - $10.00
% from 52W High-12.50%-4.90%
All-Time High$37.82 (Oct 10, 1988)$13.59 (Dec 02, 2024)
% from All-Time High-85.19%-30.02%
Growth Metrics
Quarterly Revenue Growth0.14%0.05%
Quarterly Earnings Growth1.03%4.31%
Financial Health
Profit Margin (TTM) i0.06%0.09%
Operating Margin (TTM) i0.11%0.22%
Return on Equity (TTM) i0.07%0.08%
Debt to Equity (MRQ) i3.1325.04
Cash & Liquidity
Book Value per Share (MRQ)$4.67$16.54
Cash per Share (MRQ)$0.43$4.27
Operating Cash Flow (TTM) i$17.99M$45.54M
Levered Free Cash Flow (TTM) i$10.72M$19.96M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/A$0.00

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

MetricCIA (Apr 24, 2026)SNFCA (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i20.117.86
Forward P/E i16.09N/A
PEG Ratio i0.20N/A
Price to Sales (TTM) i1.110.75
Price to Book (MRQ) i1.210.60
Market Capitalization
Market Capitalization i$280.17M$257.60M
Enterprise Value i$269.12M$242.56M
Enterprise Value Metrics
Enterprise to Revenue i1.050.70
Enterprise to EBITDA i14.784.41
Risk & Other Metrics
Beta i0.480.70
Book Value per Share (MRQ) i$4.67$16.54

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCIA (2025)SNFCA (2025)
Revenue/Sales i255.62M345.39M
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 i17.47M41.41M
Pre-Tax Income % of Revenue i6.8%12.0%
Income Tax i2.88M9.26M
Income Tax % of Revenue i1.1%2.7%
Net Income (Profit) i14.59M32.15M
Profit Margin i5.7%9.3%

Balance Sheet & Liquidity Metrics

MetricCIA (2025)SNFCA (2025)
Cash & Equivalents i21.42M102.26M
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 iN/A94.21M
Long-Term Debt % of Revenue i0.0%27.3%
Total Shareholders Equity i234.99M410.37M
Retained Earnings i71.65M248.80M
Retained Earnings % of Revenue i28.0%72.0%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricCIA (2025)SNFCA (2025)
Operating Cash Flow i14.68M70.50M
Operating Cash Flow % of Revenue i5.7%20.4%
Capital Expenditures i-447,000-1.62M
Free Cash Flow i17.54M43.85M
FCF Margin i6.9%12.7%
Debt Repayment iN/A-77.46M
Common Stock Repurchase i-278,000-1.61M

Short Interest & Institutional Ownership Analysis

MetricCIASNFCA
Shares Short i3.90M221,820
Short Ratio i23.214.93
Short % of Float i7.87%1.25%
Shares Outstanding i50.30M26.02M
Float Shares i44.92M13.38M
% Held by Insiders i11.28%26.98%
% Held by Institutions i28.22%41.36%
% Held by Public i60.50%31.66%

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

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