Security National Financial Corp (SNFCA) discloses director equity awards

Rhea-AI Filing Summary

Security National Financial Corp reported director equity awards and holdings for John L. Cook. The disclosure lists a series of director stock options and restricted stock units tied to the company’s Class A Common Stock.

The most recent grant is 2,461 restricted stock units awarded on December 5, 2025 under the 2022 Equity Incentive Plan at $8.53 per share; these units vest quarterly and are scheduled to be fully vested on December 31, 2026. An earlier grant on December 6, 2024 covered 2,509 shares at $13.08 per share, also vesting quarterly through December 31, 2025. After giving effect to all reported transactions, Cook beneficially owns 63,110 derivative securities, including multiple director stock options with exercise prices ranging from $2.84 to $7.21 and expiration dates extending from 2026 to 2033.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cook John L

(Last) (First) (Middle)

2424 EAST SUMMER OAK CIRCLE

(Street)

SANDY UT 84092

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SECURITY NATIONAL FINANCIAL CORP [ SNFCA ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/05/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Director Stock Option (right to buy)	$4.32(1)	12/02/2016		A		7,952		03/02/2017	12/02/2026	Class A Common Stock	7,952	$4.32	7,952	D
Director Stock Option (right to buy)	$4.52(2)	12/07/2016		A		1,590		03/07/2017	12/07/2026	Class A Common Stock	1,590	$4.52	9,542	D
Director Stock Option (right to buy)	$3.27(3)	12/01/2017		A		1,514		03/01/2018	12/01/2027	Class A Common Stock	1,514	$3.27	11,056	D
Director Stock Option (right to buy)	$3.76(4)	11/30/2018		A		8,657		02/28/2019	11/30/2028	Class A Common Stock	8,657	$3.76	19,713	D
Director Stock Option (right to buy)	$3.91(5)	12/06/2019		A		8,242		03/06/2020	03/27/2030	Class A Common Stock	8,242	$3.91	27,955	D
Director Stock Option (right to buy)	$2.84(6)	03/27/2020		A		7,850		06/27/2020	03/27/2030	Class A Common Stock	7,850	$2.84	35,805	D
Director Stock Option (right to buy)	$7.02(7)	12/03/2021		A		7,293		03/03/2022	12/03/2031	Class A Common Stock	7,293	$7.02	43,098	D
Director Stock Option (right to buy)	$5.56(8)	12/02/2022		A		8,104		03/02/2023	12/02/2032	Class A Common Stock	8,104	$5.56	51,202	D
Director Stock Option (right to buy)	$7.21(9)	12/01/2023		A		8,820		03/01/2024	12/01/2033	Class A Common Stock	8,820	$7.21	60,022	D
Restricted Stock Unit	$13.08(10)	12/06/2024		A		627		04/01/2025	12/31/2025	Class A Common Stock	627	$13.08	60,649	D
Restricted Stock Unit	$8.53(11)	12/05/2025		A		2,461		04/01/2026	12/31/2026	Class A Common Stock	2,461	$8.53	63,110	D

Explanation of Responses:

1. This option was granted on December 2, 2016 as an option for 5,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $7.03 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

2. This option was granted on December 7, 2016 as an option for 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $7.36 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

3. This option was granted on December 1, 2017 as an option for 1,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.05 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 2, 2018, February 1, 2019, and February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

4. This option was granted on November 30, 2018 as an option for 5,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.52 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect 5% stock dividends paid on February 1, 2019 and February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

5. This option was granted on December 6, 2019 as an option for 5,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $5.46 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect a 5% stock dividend paid on February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

6. This option was granted on March 27, 2020 as an option for 2,500 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $3.76 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect a 5% stock dividend paid on February 7, 2020, a 2.5% stock dividend paid on July 17, 2020; a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

7. This option was granted on December 3, 2021 as an option for 6,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $8.62 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect a 5% stock dividend paid on July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.

8. This option was granted on December 2, 2022 as an option for 7,000 shares of Class A Common Stock under 2014 Director Stock Option Plan at an exercise price of $6.48 per share, but adjusted pursuant to the anti-dilution provisions of the 2014 Director Stock Option Plan to reflect a 5% stock dividend paid on July 14, 2023, July 12, 2024 and July 18, 2025.

9. This option was granted on December 1, 2023 as an option for 8,000 shares of Class A Common Stock under the 2022 Equity Incentive Plan at an exercise price of $7.99 per share, but adjusted pursuant to the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 12, 2024 and July 18, 2025.

10. These restricted stock units were granted on December 6, 2024 for 2,509 shares of Class A Common Stock under the 2022 Equity Incentive Plan at a price of $13.08 per share. The units granted vest quarterly, and will be fully vested on December 31, 2025.

11. These restricted stock units were granted on December 5, 2025 for 2,461 shares of Class A Common Stock under the 2022 Equity Incentive Plan at a price of $8.53 per share. The units granted vest quarterly, and will be fully vested on December 31, 2026.

	/s/ John L. Cook	12/16/2025
	** Signature of Reporting Person	Date
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FAQ

What insider equity awards did Security National Financial Corp (SNFCA) report for John L. Cook?

The company reported that director John L. Cook received 2,461 restricted stock units on December 5, 2025 under the 2022 Equity Incentive Plan at $8.53 per share, in addition to previously granted stock options and other restricted stock units.

How do John L. Cook’s new restricted stock units in SNFCA vest?

The 2,461 restricted stock units granted on December 5, 2025 vest quarterly and are expected to be fully vested by December 31, 2026.

What prior restricted stock unit grant to John L. Cook did Security National Financial Corp disclose?

The disclosure notes restricted stock units granted on December 6, 2024 for 2,509 shares of Class A Common Stock at $13.08 per share, vesting quarterly and scheduled to be fully vested on December 31, 2025.

How many derivative securities of SNFCA does John L. Cook beneficially own after the reported transactions?

After the reported option and restricted stock unit awards, John L. Cook beneficially owns 63,110 derivative securities related to Security National Financial Corp’s Class A Common Stock.

What types of derivative securities tied to SNFCA does John L. Cook hold?

He holds multiple director stock options and restricted stock units, all linked to Security National Financial Corp’s Class A Common Stock, with option exercise prices ranging from $2.84 to $7.21 and expirations from 2026 to 2033.

What is John L. Cook’s role at Security National Financial Corp?

John L. Cook is reported as a Director of Security National Financial Corp in this insider ownership disclosure.