Citizens (CIA) vs Security National Financial (SNFCA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Security National Financial (SNFCA) has outperformed Citizens (CIA) over the past year, gaining 14.0% versus a loss of 36.2%. Over five years, SNFCA leads with a +40.7% price change compared with -44.1% for CIA. Security National Financial is the larger company by market cap ($239.1 million vs $178.8 million), about 1.3 times the size.
On valuation, Security National Financial trades at a lower trailing P/E (6.6x vs 16.0x for Citizens).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CIA | SNFCA |
|---|---|---|
| Share price | $3.53 | $9.18 |
| Market cap | $178.77M | $239.09M |
| 1-day change | +1.73% | +1.55% |
| YTD return | -26.92% | +5.35% |
| 1-year return | -36.17% | +13.95% |
| 5-year return | -44.15% | +40.70% |
| P/E ratio (TTM) | 16.05 | 6.56 |
| Forward P/E | 17.65 | — |
| EPS (TTM) | $0.22 | $1.40 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $6.54 | $10.23 |
| 52-week low | $3.38 | $7.33 |
| Distance from 52-week high | -46.02% | -10.26% |
| Analyst consensus | none | — |
| Avg. price target upside | +48.73% | — |
| Average volume | 127.68K | 29.21K |
| Shares outstanding | 50.64M | 22.37M |
| Employees | 243 | 1,035 |
| Sector | Finance | Financial Services |
| Industry | Life Insurance | Insurance - Life |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SNFCA has outperformed CIA by 50.1 percentage points over the past year.
- Citizens trades at a higher earnings multiple (16.0x vs 6.6x trailing P/E).
- The two companies sit in different sectors: Citizens in Finance and Security National Financial in Financial Services.
About Citizens
CIA stock →Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance.
Finance · Life Insurance · 243 employees
About Security National Financial
SNFCA stock →Security National Financial Corporation engages in the life insurance, cemetery and mortuary, and mortgage businesses. The company's Life Insurance segment is involved in selling and servicing lines of life insurance, annuity products, and accident and health insurance.
Financial Services · Insurance - Life · 1,035 employees
CIA vs SNFCA FAQ
Which is bigger, Citizens or Security National Financial?
Security National Financial (SNFCA) is larger, with a market capitalization of $239.09M compared with $178.77M for Citizens (CIA).
Which stock has performed better over the past year, CIA or SNFCA?
SNFCA returned +13.95% over the past 12 months, compared with -36.17% for CIA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CIA or SNFCA?
SNFCA has the lower trailing P/E at 6.6, versus 16.0 for CIA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Citizens and Security National Financial in the same industry?
No. Citizens is in the Finance sector, while Security National Financial is in Financial Services.