[Form 4] SECURITY NATIONAL FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

John L. Cook, a director of Security National Financial Corp (SNFCA), filed a Form 4 reporting a 10/01/2025 transaction. The form shows the acquisition of 627 shares of Class A Common Stock with a reported price of $13.08 (transaction code M). The filing also lists multiple outstanding director stock options and restricted stock units granted over 2016–2024 with various exercise prices and vesting or expiration dates, including option lines and RSU grants that show beneficial ownership amounts on-line entries such as 61,276 and 60,649 shares in the table. The Form is signed by Mr. Cook on 10/03/2025.

Positive

• Director John L. Cook acquired 627 Class A shares at $13.08 on 10/01/2025, aligning his interests with shareholders
• Form 4 discloses multiple equity awards and option grants with explicit exercise prices and vesting/expiration dates, providing transparency into insider holdings

Negative

• None.

Insights

Corporate Governance Analyst

Insider acquisition and existing equity awards increase director's stake.

The Form 4 records a 10/01/2025 acquisition of 627 Class A shares at $13.08 by director John L. Cook (code M), indicating receipt of equity rather than an open-market purchase.

The filing lists multiple director stock options and restricted stock units granted between 2016 and 2024 with exercise prices ranging from $2.84 to $7.21 and RSUs granted at $13.08, and shows line-item beneficial ownership figures up to 61,276 shares on the face of the table. This documents the director's existing equity compensation and current ownership reported on Form 4.

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

OMB APPROVAL

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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).

1. Name and Address of Reporting Person^*

Cook John L

(Last) (First) (Middle)

2424 SUMMER OAK CIRCLE

(Street)

SANDY UT 84070

(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)
10/01/2025

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
Class A Common Stock	10/01/2025	10/01/2025	M		627	A	$13.08	18,600(1)	D

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(2)	12/02/2016		A		7,952		03/02/2017	12/02/2016	Class A Common Stock	7,952	$4.32	7,952	D
Director Stock Option (right to buy)	$4.52(3)	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(4)	12/01/2017		A		1,514		03/01/2018	12/01/2027	Class A Common Stock	1,514	$3.27	11,056	D
Class A Common Stock	$3.76(5)	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(6)	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(7)	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(8)	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(9)	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(10)	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(11)	12/06/2024		A		1,254		04/01/2025	12/31/2025	Class A Common Stock	1,254	$13.08	61,276	D
Restricted Stock Unit	$13.08(11)	10/01/2025	10/01/2025	A			627	04/01/2025	12/31/2025	Class A Common Stock	627	$13.08	60,649	D

Explanation of Responses:

1. Adjusted to reflect a 5% stock dividend issued on July 18, 2025.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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.

	/s/ John L. Cook	10/03/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What transaction did John L. Cook report on the Form 4 for SNFCA?

The Form 4 reports an acquisition on 10/01/2025 of 627 Class A Common Stock shares at a price of $13.08 (transaction code M).

What is John L. Cook's role at Security National Financial Corp (SNFCA)?

The filing identifies John L. Cook as a director of SNFCA.

Does the Form 4 list other equity awards held by the director?

Yes. The filing lists multiple director stock options and restricted stock units granted from 2016 through 2024 with specified exercise prices and amounts.

Are there summary figures for beneficial ownership shown in the filing?

The table shows line-item beneficial ownership amounts, including entries of 61,276 and 60,649 shares in the reported rows.