Citizens vs Security National Financial
Security National Financial is the larger business, with $345m of revenue in fiscal 2025 against $256m for Citizens (1.3 times as much). Citizens grew faster (4.3% against 3.0%). Security National Financial kept more of each dollar of sales as profit: a net margin of 9.3% against 5.7%. Citizens carries less debt relative to equity (0.0% against 0.0%).
| Latest fiscal year | CitizensCIA, 2025 | Security National FinancialSNFCA, 2025 |
|---|---|---|
| Revenue | $256m | $345m |
| Revenue growth | 4.3% | 3.0% |
| Net income | $14.6m | $32.2m |
| Operating margin | — | — |
| Net margin | 5.7% | 9.3% |
| Return on equity | 6.6% | 8.1% |
| Free cash flow | $17.5m | $43.8m |
| Cash | $23.0m | $102m |
| Total debt | $0 | $0 |
| Debt to equity | 0.0% | 0.0% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | $1.6m |
| Employees | — | — |
| Market value | $193m | $248m |
| Price vs our value range | — | — |
| Moat score | — | 59 (Moderate) |
| Insider trades, 12 months | 8 buys, 0 sales | 0 buys, 1 sales |