Security National Financial (SNFCA) director reports stock, option and RSU activity

Rhea-AI Filing Summary

Security National Financial Corp. director John L. Cook reported equity-related transactions and awards in Class A Common Stock and related derivatives. On January 2, 2026, he acquired 627 shares of Class A Common Stock at $13.08 per share, and on January 7, 2026 he acquired 4,678 shares at $8.54 per share, leaving him with 23,905 shares held directly.

The filing also details a series of director stock options previously granted under the 2014 Director Stock Option Plan and the 2022 Equity Incentive Plan, with exercise prices ranging from $2.84 to $7.21 and expirations out to 2033. In addition, Cook received restricted stock units for 2,509 shares on December 6, 2024 at $13.08 per share and for 2,461 shares on December 5, 2025 at $8.53 per share, with the 2025 grant vesting quarterly until fully vested on December 31, 2026.

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)
01/02/2026

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	01/02/2026	01/02/2026	M		627	A	$13.08	19,227	D
Class A Common Stock	01/07/2026	01/07/2026	M		4,678	A	$8.54	23,905	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	12/02/2026	Class A Common Stock	7,952	$4.32	0.0000	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	0.0000	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	1,514	D
Director Stock Option (right to buy)	$3.76(5)	11/30/2018		A		8,657		02/28/2019	11/30/2028	Class A Common Stock	8,657	$3.76	10,171	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	18,413	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	26,263	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	33,556	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	41,660	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	50,480	D
Restricted Stock Unit	$13.08(1)	12/06/2024		A			627	04/01/2025	12/31/2025	Class A Common Stock	627	$13.08	0.0000	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	52,941	D

Explanation of Responses:

1. 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.

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 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	01/08/2026
	** Signature of Reporting Person	Date
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FAQ

What insider transactions did SNFCA director John L. Cook report?

John L. Cook, a director of Security National Financial Corp. (SNFCA), reported acquiring Class A Common Stock through derivative settlements. He acquired 627 shares at $13.08 per share on January 2, 2026 and 4,678 shares at $8.54 per share on January 7, 2026, all held directly.

How many SNFCA shares does John L. Cook own after these transactions?

Following the reported January 2026 transactions, John L. Cook beneficially owns 23,905 shares of Security National Financial Corp. Class A Common Stock in direct form, according to the filing.

What director stock options does John L. Cook hold in SNFCA?

The filing lists multiple director stock options granted between 2016 and 2023 under the 2014 Director Stock Option Plan and the 2022 Equity Incentive Plan. Exercise prices range from $2.84 to $7.21 per share, with expiration dates extending from 2026 to 2033, and underlying Class A Common Stock as the deliverable.

What restricted stock units did SNFCA grant to John L. Cook?

Cook received restricted stock units under the 2022 Equity Incentive Plan. On December 6, 2024, he was granted RSUs for 2,509 shares at $13.08 per share. On December 5, 2025, he was granted RSUs for 2,461 shares at $8.53 per share.

How do John L. Cooks 2025 SNFCA RSUs vest?

The 2,461 restricted stock units granted to John L. Cook on December 5, 2025 under the 2022 Equity Incentive Plan vest quarterly and are scheduled to be fully vested by December 31, 2026, as disclosed in the footnotes.

Why were some of John L. Cooks SNFCA stock options adjusted?

Several director stock options described in the filing were adjusted under anti-dilution provisions of the 2014 Director Stock Option Plan and the 2022 Equity Incentive Plan. The adjustments reflect multiple stock dividends paid between 2017 and 2025, which changed both the number of option shares and exercise prices.