NorthStar Memorial Group provides funeral, cemetery, cremation and memorialization services. The company is self-described as comprising the nation’s finest such locations.

NorthStar Memorial Group

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 policies. This segment also cedes and assumes various risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties. Its Cemetery and Mortuary segment operates eleven 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.

Security National Financial Corporation

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Citizens Financial Group, Inc.

Individual and Family Services

Restland of Dallas

NorthStar Memorial Group | 5,959 followers on LinkedIn. Passionate People. Purposeful Careers. | Passion. Professionalism. Personal growth.

Chief Human Resources Officer at NorthStar Memorial Group

Becky McEuen

Vice President, Information Technology | Infrastructure | Security & Privacy | 20 Years IT Leadership

Christina Fewlass

Leigh Ann Schmitz

Talent Acquisition Leader | Global TA Consultant | Talent Acquisition Transformation

Kellianne Turner

Linkedin users around the world: Have you found your calling yet? At NorthStar Memorial Group, our employees are dedicated to serving families every day because they feel a deep sense of purpose. Can you imagine ending your work week knowing you helped multiple families through one of the hardest times of their lives? To be able to say that working in your career is an honor? Take a look at our current openings here: careers.nsmg.com #HeartfeltCareers #HeartOfNSMG #NSMGCareers #WeAreHiring #NorthStarCareers #imPACT #FuneralProfession #FuneralDirectors #HiringNow #JoinOurTeam

Congratulations to NorthStar Memorial Group on their 60 Best Companies to #Sell For inclusion for 2024. Check the list out for the top #salesorganizations and #salescareers https://lnkd.in/d9nEjmcZ

Selling Power

Today is the day to take the first step towards a rewarding career with NorthStar Memorial Group. Check out our current job offerings on careers.nsmg.com #imPACT #MakeanimPACT #WeAreHiring #NorthStarCareers #FuneralDirectors #FuneralProfession

Spooky Adventures at the Home Office! 👻🎃 Yesterday, our home office transformed into a haunted haven of creativity and fun! From thrilling costumes to eerily elegant decorations, we went all out embracing the Halloween spirit. Take a look at some of our spooktacular moments – and see who took home the costume contest win! 🕸️🕷️ #HalloweenFun #OfficeLife #TeamSpirit #SpookySeason #CostumeContest

I’m deeply thankful for the warm welcome from the incredible teams in Oahu. Visiting the Valley of the Temples and Byodo-In Temple was truly an unforgettable experience. I learned so much about these amazing sites and felt immense pride in being part of such an inspiring company, NorthStar Memorial Group ! We hosted two hiring events and had the pleasure of meeting some talented candidates who may soon become part of the NorthStar family! A special thanks to Casey Rose for guiding me through the day-to-day operations of such a large location. With your leadership, I know there are great things on the horizon! A hui hou!🤙🏾 #NSMG #ValleyOfTheTemples #ByodoInTemple #NorthStarFamily #CareerOpportunities #ProudToBePart #TalentAcquisition

Carl Anderson

❗JOB ALERT: Attention Texas Licensed Funeral Directors! Are you a leader with a passion for excellence? San Jacinto Funeral Home is offering a unique opportunity to join our team as an Assistant Managing Partner. Connect with our leadership team for an informal conversation to learn more about this exciting role. Richard Williams Eddie Martinez https://lnkd.in/g5-eAgYZ

Have you considered getting your love license? A career in funeral service is a career in care. Learn more about how you can make a difference: https://lnkd.in/gWJyQ8Mw #imPACT #MakeanimPACT #WeAreHiring #NorthStarCareers #FuneralDirectors #FuneralProfession

Office and administrative staff are the glue of NorthStar Memorial Group! Join our team and help us provide exceptional service to families in need. Explore opportunities at careers.nsmg.com . #imPACT #MakeanimPACT #WeAreHiring #NorthStarCareers #FuneralDirectors #FuneralProfession

Your next job may be waiting for you at careers.nsmg.com #imPACT #MakeanimPACT #WeAreHiring #NorthStarCareers #FuneralDirectors #FuneralProfession

At NorthStar Memorial Group, we believe in you and your potential. Check out the job opportunities available at careers.nsmg.com and take the next step in your career journey. #imPACT #MakeanimPACT #WeAreHiring #NorthStarCareers #FuneralDirectors #FuneralProfession

Metric
Company Name	NorthStar Memorial Group	Security National Financial Corporation	Citizens Financial Group, Inc.
Symbol		SNFCA	CFG
MSH ID	COM:NSMG	COM:SECURITYNATIONAL	COM:CITIZENSBANK
Market	PRIVATE	STOCKS	STOCKS
Sector	Consumer Services	Financial Services	Financial Services
Industry	Funeral and Cemetery Services	Financial - Mortgages	Banks - Regional
Country	US	US	US
Stage
Employee Count		1.23K	17.35K
Website	nsmg.com	securitynational.com	citizensbank.com
LinkedIn	northstar-memorial-group	snfca	citizens-bank
Founders

Metric
Market Cap		178.78M	16.69B
Enterprise Value
Monthly Web Traffic	7.90K		464
Web Traffic Growth	1.27		-0.91
Valuation
Raised Capital			20M

Metric
Revenue	318.50M	8.22B
Revenue (LTM)
Revenue (NTM)
Gross Profit	318.50M	8.21B
EBITDA	-4.87M	8.20M
Operating Income	21.17M	8.20M
Net Income	14.50M	1.61B
EPS	0.66	3.89
Diluted EPS	0.64	3.88
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	267.27	1.00
Operating Profit Margin	21.65	0.44
EBITDA Margin	-0.02	0.00
Net Profit Margin	0.09	0.20
Return on Equity	0.11	0.07
Return on Assets	0.02	0.01
Return on Capital Employed	5.17	0.03

NSMG

COM:NSMG

NorthStar Memorial Group

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	5.11	7.15
P/B Ratio	0.56	0.65
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.74	2.02
EV Multiple	0.05	23.96

Metric
Days Sales Outstanding	31.44	52.70
Days Payables Outstanding	0.23
Days Inventory Outstanding	0.99
Operating Cycle	33.20
Cash Conversion Cycle	33.22
Asset Turnover	0.25	0.05

Metric
Operating Cash Flow	53.88M	2.96B
Free Cash Flow	52.77M	2.79B
Cash Flow to Debt	0.50	0.22
Operating Cash Flow/Sales	0.30	0.36
Free Cash Flow Yield	0.22	0.18

Metric
Cash & Equivalents	126.94M	12.03B
Accounts Receivable
Inventory	-193.55M	-14.15B
Goodwill	5.25M	8.19B
Debt to Capitalization	1.02	0.37
Debt to Assets	0.08	0.08
Current Ratio	66.92	181.08
Quick Ratio	66.92	84.80

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.00	0.01
R&D to Revenue
SG&A to Revenue	0.36	0.30