SNFCA: the cash flow

Cash Flow Overview

Free Cash flow

$3,687,113

Unit: Dollar

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2026-06-30

2026-03-31

2025-12-31

2025-09-30

Net earnings

32,152,330

Gains on investments and other assets

4,636,377

Depreciation

8,155,965

Provision for credit losses

2,055,026

Net amortization of deferred fees and costs, premiums and discounts

2,652,873

Provision for deferred income taxes

1,454,181

Policy and pre-need acquisition costs deferred

19,926,269

Policy and pre-need acquisition costs amortized

11,167,373

Value of business acquired amortized

493,335

Interest credited to policyholder account balances

4,562,615

Policy fees assessed on policyholder account balances

2,326,788

Mortgage servicing rights, additions

151,056

Amortization of mortgage servicing rights

562,475

Stock based compensation expense

1,320,497

Benefit plans funded with treasury stock

-1,459,017

Net change in fair value of loans held for sale

615,973

Originations of loans held for sale

2,296,054,902

Proceeds from sales of loans held for sale

2,323,112,059

Net gains on sales of loans held for sale

52,436,365

Land and improvements held for sale

704,651

Future policy benefits and unpaid claims

31,232,581

Other operating assets and liabilities

-7,317,697

Net cash provided by operating activities

3,993,912

32,939,808

17,986,903

25,648,114

Purchases of fixed maturity securities

25,237,411

13,789,720

5,087,226

8,206,325

Sales, calls and maturities of fixed maturity securities

11,880,633

24,701,046

11,428,354

13,057,300

Purchases of equity securities

1,337,093

1,173,461

826,964

2,643,356

Sales of equity securities

1,264,900

912,747

731,132

2,284,890

Purchases of restricted assets

1,884,994

2,086,944

2,429,417

2,793,982

Sales, calls and maturities of restricted assets

1,215,812

1,234,336

1,351,918

1,992,668

Purchases of cemetery perpetual care trust investments

470,637

235,488

438,009

845,667

Sales, calls and maturities of perpetual care trust investments

491,320

153,025

75,997

941,763

Mortgage loans held for investment, other investments and policy loans made

181,114,523

180,161,316

204,510,620

205,550,639

Payments received for mortgage loans held for investment, other investments and policy loans

195,118,181

198,643,862

210,550,324

203,058,707

Purchases of property and equipment

306,799

189,702

99,786

707,410

Sales of property and equipment

23,000

71,022

3,500

Purchases of real estate

14,166,142

31,470,405

10,720,649

14,715,020

Sales of real estate

12,963,931

11,172,949

7,211,161

12,051,367

Net cash provided by (used in) investing activities

-1,559,822

7,710,929

7,307,237

-2,072,204

Investment contract receipts

2,986,309

Policyholder account balances - deposits

2,634,440

2,539,604

11,980,092

Investment contract withdrawals

4,073,241

Policyholder account balances - withdrawals

3,615,526

4,707,568

16,336,822

Proceeds from stock options exercised

47,151

6,642

24,766

Purchases of treasury stock

551,005

785,521

5,436

400,929

Repayment of bank loans

532,743

525,837

21,522,558

31,512,990

Proceeds from bank loans

37,000,000

Net change in warehouse line borrowings for loans held for sale

-13,975,454

-10,806,644

3,239,122

5,339,251

Net cash provided by financing activities

11,957,771

7,333,964

-25,821,303

-1,340,102

Net change in cash, cash equivalents, restricted cash and restricted cash equivalents

14,391,861

47,984,701

-527,163

22,235,808

Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period

162,096,809

114,112,108

114,639,271

150,102,620

Cash, cash equivalents, restricted cash and restricted cash equivalents at end of year

176,488,670

162,096,809

114,112,108

114,639,271

Interest

2,076,707

Federal income taxes

4,475,089

State income taxes

124,010

Mortgage loans held for investment foreclosed into real estate held for sale

3,322,938

Right-of-use assets obtained in exchange for operating lease liabilities

305,661

Right-of-use assets obtained in exchange for finance lease liabilities

78,968

Cash and cash equivalents

163,441,869

Restricted assets

12,065,713

Cemetery perpetual care trust investments

981,088

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow Overview

Free Cash flow

$3,687,113

Unit: Dollar

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2026-06-30

2026-03-31

2025-12-31

2025-09-30

Net earnings

32,152,330

Gains on investments and other assets

4,636,377

Depreciation

8,155,965

Provision for credit losses

2,055,026

Net amortization of deferred fees and costs, premiums and discounts

2,652,873

Provision for deferred income taxes

1,454,181

Policy and pre-need acquisition costs deferred

19,926,269

Policy and pre-need acquisition costs amortized

11,167,373

Value of business acquired amortized

493,335

Interest credited to policyholder account balances

4,562,615

Policy fees assessed on policyholder account balances

2,326,788

Mortgage servicing rights, additions

151,056

Amortization of mortgage servicing rights

562,475

Stock based compensation expense

1,320,497

Benefit plans funded with treasury stock

-1,459,017

Net change in fair value of loans held for sale

615,973

Originations of loans held for sale

2,296,054,902

Proceeds from sales of loans held for sale

2,323,112,059

Net gains on sales of loans held for sale

52,436,365

Land and improvements held for sale

704,651

Future policy benefits and unpaid claims

31,232,581

Other operating assets and liabilities

-7,317,697

Net cash provided by operating activities

3,993,912

32,939,808

17,986,903

25,648,114

Purchases of fixed maturity securities

25,237,411

13,789,720

5,087,226

8,206,325

Sales, calls and maturities of fixed maturity securities

11,880,633

24,701,046

11,428,354

13,057,300

Purchases of equity securities

1,337,093

1,173,461

826,964

2,643,356

Sales of equity securities

1,264,900

912,747

731,132

2,284,890

Purchases of restricted assets

1,884,994

2,086,944

2,429,417

2,793,982

Sales, calls and maturities of restricted assets

1,215,812

1,234,336

1,351,918

1,992,668

Purchases of cemetery perpetual care trust investments

470,637

235,488

438,009

845,667

Sales, calls and maturities of perpetual care trust investments

491,320

153,025

75,997

941,763

Mortgage loans held for investment, other investments and policy loans made

181,114,523

180,161,316

204,510,620

205,550,639

Payments received for mortgage loans held for investment, other investments and policy loans

195,118,181

198,643,862

210,550,324

203,058,707

Purchases of property and equipment

306,799

189,702

99,786

707,410

Sales of property and equipment

23,000

71,022

3,500

Purchases of real estate

14,166,142

31,470,405

10,720,649

14,715,020

Sales of real estate

12,963,931

11,172,949

7,211,161

12,051,367

Net cash provided by (used in) investing activities

-1,559,822

7,710,929

7,307,237

-2,072,204

Investment contract receipts

2,986,309

Policyholder account balances - deposits

2,634,440

2,539,604

11,980,092

Investment contract withdrawals

4,073,241

Policyholder account balances - withdrawals

3,615,526

4,707,568

16,336,822

Proceeds from stock options exercised

47,151

6,642

24,766

Purchases of treasury stock

551,005

785,521

5,436

400,929

Repayment of bank loans

532,743

525,837

21,522,558

31,512,990

Proceeds from bank loans

37,000,000

Net change in warehouse line borrowings for loans held for sale

-13,975,454

-10,806,644

3,239,122

5,339,251

Net cash provided by financing activities

11,957,771

7,333,964

-25,821,303

-1,340,102

Net change in cash, cash equivalents, restricted cash and restricted cash equivalents

14,391,861

47,984,701

-527,163

22,235,808

Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period

162,096,809

114,112,108

114,639,271

150,102,620

Cash, cash equivalents, restricted cash and restricted cash equivalents at end of year

176,488,670

162,096,809

114,112,108

114,639,271

Interest

2,076,707

Federal income taxes

4,475,089

State income taxes

124,010

Mortgage loans held for investment foreclosed into real estate held for sale

3,322,938

Right-of-use assets obtained in exchange for operating lease liabilities

305,661

Right-of-use assets obtained in exchange for finance lease liabilities

78,968

Cash and cash equivalents

163,441,869

Restricted assets

12,065,713

Cemetery perpetual care trust investments

981,088

Time Plot

Show the time plot by selecting a row from the table.