UTG (OTCMKTS:UTGN) versus Security National Financial (NASDAQ:SNFCA) Critical Contrast

Insider and Institutional Ownership

0.1% of UTG shares are held by institutional investors. Comparatively, 45.6% of Security National Financial shares are held by institutional investors. 71.6% of UTG shares are held by company insiders. Comparatively, 13.0% of Security National Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings and Valuation

This table compares UTG and Security National Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UTG	$84.91 million	1.38	$49.30 million	$16.74	2.23
Security National Financial	$334.52 million	0.76	$26.54 million	$0.97	10.55

UTG has higher earnings, but lower revenue than Security National Financial. UTG is trading at a lower price-to-earnings ratio than Security National Financial, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

UTG has a beta of 0.22, meaning that its stock price is 78% less volatile than the S&P 500. Comparatively, Security National Financial has a beta of 0.81, meaning that its stock price is 19% less volatile than the S&P 500.

Profitability

This table compares UTG and Security National Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
UTG	58.70%	25.96%	11.27%
Security National Financial	6.96%	6.90%	1.57%

Summary

UTG beats Security National Financial on 7 of the 11 factors compared between the two stocks.

About UTG

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. In addition, it offers reinsurance products. UTG, Inc. was founded in 1966 and is headquartered in Stanford, Kentucky.

About Security National Financial

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. It offers various life insurance products, including funeral plans and interest-sensitive life insurance, as well as other traditional life, accident, and health insurance products; annuity products comprising single and flexible premium deferred annuities, and immediate annuities; and diver's accident insurance policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eight mortuaries and five cemeteries in Utah; one cemetery in California; and four mortuaries and one cemetery in New Mexico. This segment also offers plots, interment vaults, mausoleum crypts, markers, caskets, urns, and other death care related products; and provides professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing. The company's Mortgages segment originates and underwrites residential and commercial loans for new construction, existing homes, and real estate projects primarily in Florida, Nevada, Texas, and Utah. It offers residential mortgage lending services to real estate brokers and builders, as well as directly with consumers. Security National Financial Corporation was founded in 1965 and is headquartered in Salt Lake City, Utah.