Security National Financial Corporation has reported disappointing third-quarter results for 2025, with net income plummeting by 34% year-over-year. The U.S. financial services provider’s latest financial statements reveal significant challenges, though performance varied considerably across different business segments.
Technical Indicators Signal Continued Pressure
The company’s stock currently trades at $8.19, positioned below both its 50-day moving average of $8.39 and its 200-day moving average of $9.11. This technical configuration reinforces the prevailing downward trend in the share price.
More concerning for investors, trading volume collapsed to just 6,322 shares—a fraction of the 49,110-share average. This exceptionally low activity level raises questions about market
The broader market environment continues to exert pressure, with selling momentum persisting as the Dow Jones trades near support levels. Ongoing concerns about technology valuations and interest rate expectations continue to weigh on market sentiment, creating additional headwinds for Security National.
Quarterly Performance Details
For the three-month period ending September 30, 2025, Security National posted after-tax net income of $7.8 million, representing a substantial decline from the same period last year. Earnings per share came in at just $0.31. Total revenue for the quarter reached $89.3 million.
The year-to-date picture shows a similar pattern of deterioration. Through the first nine months of 2025, net income has fallen by 30% to $18.9 million, confirming the company’s struggle to maintain profitability.
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Diverging Segment Results
A closer examination of Security National’s business units reveals a mixed performance landscape:
- Mortgage Operations: Surprisingly, this division returned to profitability during the third quarter—a rare achievement marking only the third time this has occurred over the past three years
- Cemetery and Mortuary Services: This segment also demonstrated improved results compared to the same quarter last year
- Life Insurance: The most significant challenges emerged in this business unit, with weak earnings driven by write-downs and reduced unrealized gains
Despite personnel costs increasing by 6% year-over-year, the company managed to keep these expenses stable on a quarterly comparison basis.
Balance Sheet Provides Silver Lining
One positive development emerged from the company’s balance sheet metrics. The book value per share rose to $14.79 as of September 30, 2025, up from $13.76 at the end of 2024. The annualized return on equity also showed improvement, reaching 10.5%.
Key Financial Metrics:
* Market Capitalization: $215.52 million
* P/E Ratio: 9.34
* Beta: 0.87
* Institutional Ownership: 45.6%
The combination of declining earnings and challenging market conditions presents Security National with significant hurdles as it navigates the remainder of 2025.
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