Peer Analysis

Performance Ratios (%) NSEC Peer Median Peer Average
ROAA 0.50 (2.58) (3.50)
Operating ROAA 0.53 (0.97) (0.70)
ROAE 1.48 (7.10) (61.04)
Operating ROAE 1.56 (3.20) (4.15)
Investment Yield 2.99 0.83 0.42
Operating Margin 3.31 (7.85) (9.10)
EPS Growth (72.48) (10.07) (10.07)
Operating EPS Growth (37.25) NA NA
Balance Sheet Ratios (%)
Cash & Investments / Assets 83.81 71.02 69.45
Policy Reserves / Equity (x) 1.57 1.86 9.66
Debt plus Redeemable Preferred / Equity (x) 0.28 0.30 0.87
Debt / Total Cap, at Book 22.09 22.90 24.51
Tangible Equity / Tangible Assets 33.20 29.05 36.77
Total Equity / Total Assets 33.20 29.31 37.29
Tangible Common Equity / Tangible Assets 33.20 28.18 33.34
Market Ratios
Price / Earnings (x) 48.67 21.38 21.38
Price / Operating EPS (x) 45.63 NA NA
Price / Book (%) 73.96 74.74 87.02
Dividend Yield (%) 1.64 0.00 0.43
Data for trailing four quarters

National Security Group, Inc.'s peer group consists of the following: 1347 Property Insurance Holdings, Inc. (PIH), Atlantic American Corporation (AAME), Atlas Financial Holdings, Inc. (AFH), Conifer Holdings, Inc. (CNFR), GAINSCO, INC. (GANS), Kingstone Companies, Inc. (KINS), NI Holdings, Inc. (NODK), Trupanion, Inc. (TRUP), Unico American Corporation (UNAM), UTG, Inc. (UTGN)

National Security Group, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

GAINSCO, INC.'s financial data is as of 12/31/2019.
Atlas Financial Holdings, Inc.'s financial data is as of 9/30/2019.
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