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Security National Corporation (SNLC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Security National Corporation stock $145, price $201, that is 27.8% below the price, quality 64 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SN Security National Corporation logo Some data Nov 6, 2026

Security National Corporation

SNLC · US
Solid, but expensive

Our calculation puts a fair price 28% below what the stock costs today.

Quality 64/100
Highly profitable · 26.3% net margin (FY2025)
Mixed Growth (revenue 5y +9.5 %/yr in USD)
Mixed vs. peers (5/12)
Moderate moat 61/100 · thin data
Some data
Fair value $145.22 · Overvalued
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$250.00 $61.91 Fair Value $145.22 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $61.91 – $250.00 · fair‑value band $128.85 – $185.28 · the $201.00 price screens above the $145.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Security National Corporation provides various financial services. It offers checking and savings accounts; overdraft protection services; debit cards; and online and mobile banking services.

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The company also provides mortgage, personal, commercial, and agriculture loans; and wealth management services. The company was founded in 1884 and is based in Dakota Dunes, South Dokota.

Stock analysis

Security National Corporation (SNLC) currently trades at $201.00, while our model-based Fair Value estimate is $145.22, 28% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $220.99 per share, and 2 of the 6 models we run sit above the $201.00 price.

Bear case: the Asset-Based group reads lowest at $97.02, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $128.85 (bear) to $185.28 (bull), the price of $201.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Security National Corporation reported revenue of $115M in FY2025 versus $71.9M in FY2021, a compound +12.4%/yr. Reported net income was $30.2M in FY2025, compounding +7.7%/yr from FY2021.

Key figures

Market cap $331M Small · Net margin 26.3% · Return on assets (EBIT) 1.9% (5-year average) · Free cash flow $31.3M · Net debt $247K.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −28%, SNLC screens richer than that median.

Fair Value models

Bear $128.85 Fair Value $145.22 Bull $185.28
Price $201.00 · Downside -27.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $128.85 $145.22 $182.64 76
Gordon GGM $76.46 $136.05 $185.28 68
DDM Multi-Stage $76.46 $125.11 $145.53 67
All 6 models by family
Dividend Discount
Gordon GGM $76.46 $136.05 $185.28 68
DDM Multi-Stage $76.46 $125.11 $145.53 67
Multiples
P/E Multiple $179.44 $239.25 $299.06 63
P/B Multiple $152.04 $202.72 $253.40 55
Asset-Based
NCAV (Graham) $72.40 $97.02 $144.80 54
Economic Profit
Residual Income $128.85 $145.22 $182.64 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 64/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 83
Do the profits arrive as real cash?
Financial strength 25
Debt, balance sheet and risk of trouble
Investment 81
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 63
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 81
Distance to the 52-week high, does not count
New shares 89
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 72/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.5%
Start year 2020 (pandemic)
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+9.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.2%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.36% → 34%

SNLC screens overvalued: fair value 28% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 64 · Top 25%
Fair Value upside −27.8% · Below median
Profitability
Return on assets 1.6% · Top 25%
Net margin (12 months) 26.3% · Below median
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 1.38× · Pricier than median
Price / free cash flow (fiscal year) 10.6× · Cheaper than median
EV/EBITDA 5.9× · Cheapest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SNLC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SNLC
BNP Paribas SA BNP €91.93 €106.01 +15% vs SNLC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SNLC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs SNLC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SNLC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs SNLC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SNLC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SNLC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SNLC

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Security National Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Security National Corporation Fair Value". https://www.fairvalue-calculator.com/stock/SNLC

Frequently asked questions

Is Security National Corporation (SNLC) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $145.22 versus a price of $201.00, about 28% lower (overvalued).
What is the fair value of SNLC?
Our model-based fair value for Security National Corporation is $145.22 (as of Nov 6, 2026), built from audited fundamentals. The current price: $201.00.
What is the quality score of SNLC?
Security National Corporation has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Security National Corporation (SNLC)?
Our model-based price target is the fair value of $145.22 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $128.85, optimistic scenario $185.28. It is a calculation from audited fundamentals, not an analyst target.
What is the Security National Corporation stock forecast for 2026?
Our models put fair value at $145.22, about 28% lower versus a price of $201.00 (overvalued). Cautious scenario $128.85, optimistic scenario $185.28. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Security National Corporation (SNLC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Security National Corporation it is $145.22 per share (as of Nov 6, 2026), against a price of $201.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Security National Corporation stock overvalued or undervalued in 2026?
As of Nov 6, 2026, SNLC trades above its calculated fair value: price $201.00, fair value $145.22, a gap of about −28% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SNLC?
No. The price is what the market pays today ($201.00); the fair value is what the company's own numbers justify ($145.22). For Security National Corporation the two are $55.78 per share apart. That gap is exactly why we show both numbers side by side.
How much is Security National Corporation worth?
The market values Security National Corporation at about $331M (market capitalisation, as of Nov 6, 2026). Per share that is $201.00; our models calculate a fair value of $145.22 per share.
What do the bullish and bearish scenarios say about SNLC?
Our models span a range for Security National Corporation: cautious scenario $128.85, base $145.22, optimistic $185.28 per share (as of Nov 6, 2026, price $201.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Security National Corporation (SNLC)?
Balance-sheet figures for Security National Corporation (as of Nov 6, 2026): debt of 0.21 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is SNLC from its 52-week high?
Security National Corporation trades at $201.00, about 20% below its 52-week high of $250.00 and 24% above the low of $162.20 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $145.22 is for.
Which stocks are comparable to Security National Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Security National Corporation stock attractive at the current price?
The data as of Nov 6, 2026: price $201.00, calculated fair value $145.22 (−28%), Quality Score 64/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SNLC calculated?
We run Security National Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $145.22 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Security National Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Security National Corporation (SNLC)?
The closing price on Nov 6, 2026 was $201.00. Our model-based fair value is $145.22, about 28% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Security National Corporation right now?
The price sits above even our optimistic bull case ($185.28). The favourable scenario is already priced in. Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Security National Corporation

How large is the market capitalisation of Security National Corporation (SNLC)?
The market capitalisation of Security National Corporation is $331M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of Security National Corporation (SNLC)?
The net margin of Security National Corporation is 26.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Security National Corporation (SNLC)?
On an EBIT basis the return on assets of Security National Corporation is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does Security National Corporation (SNLC) generate?
The free cash flow of Security National Corporation is $31.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Security National Corporation (SNLC) carry?
The net debt of Security National Corporation is $247K (fiscal year 2025, ≈ 0.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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