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Security National Financial Corporation reports steady 2025 results across its three segments: life insurance, cemetery and mortuary, and mortgages. Total revenues rose to $344.6M, up 3.0% from 2024, driven mainly by higher investment income and stronger mortgage secondary market gains.
The insurance segment generated $208.3M in revenue and segment net earnings of $29.4M, up 7%, helped by an $8.1M increase in net investment income. Cemetery and mortuary revenues were $33.7M with stable earnings of $6.6M. Mortgage operations produced $110.4M in revenue and a reduced segment net loss of $3.9M while originating $2.30B of loans.
As of March 12, 2026, the company had 22,432,763 Class A and 3,587,237 Class C shares outstanding and continues its long-standing stock dividend policy while paying no cash dividends. A Rule 10b5-1 plan authorizes repurchases of up to $1.0M of Class A shares through December 31, 2026.
Security National Financial Corp insider updates holdings. A director, 10% owner, and vice president/general counsel reported a gift of 5,000 shares of Class A Common Stock on 12/30/2025 at $9.21 per share, leaving 159,985 Class A shares directly owned. This direct amount includes 52,713 Class A shares and 107,272 Class C shares, and does not count 111,191 Class A shares held indirectly in a 401(k) plan.
The insider also reported a series of employee stock options, culminating in new grants on 12/05/2025 for 10,657 and 289,343 options on Class C Common Stock at exercise prices of $9.38 and $8.53 per share. These 2025 options vest quarterly in equal installments beginning on 03/05/2026 and contribute to a total of 735,891 derivative securities beneficially owned.
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.
Security National Financial Corp. director Gilbert A. Fuller reported equity transactions in Class A Common Stock and related restricted stock units. On January 2, 2026, he reported an acquisition of 627 Class A shares at $13.08 per share and a disposition of 627 Class A shares at $8.68 per share, leaving 41,973 Class A shares held directly.
The filing also details equity awards under the company’s 2022 Equity Incentive Plan. Restricted stock units granted on December 6, 2024 covered 2,509 shares at $13.08 per share, and units granted on December 5, 2025 covered 2,461 shares at $8.53 per share. The 2025 units vest quarterly and are scheduled to be fully vested on December 31, 2026, with 2,461 restricted stock units shown as beneficially owned directly after the reported transactions.
Security National Financial Corp insider activity: Vice President, General Counsel, director and 10% owner Andrew Quist reported a gift of 5,005 shares of Class A Common Stock on 12/16/2025 at a price of $9.39 per share. After this transaction, he directly beneficially owned 164,985 shares, which include 57,714 shares of Class A Common Stock and 107,272 shares of Class C Common Stock, and he also indirectly owned 111,191 Class A shares through the 401(k) Retirement Savings Plan. In addition, he held a series of employee stock options on Class A and Class C Common Stock, with exercise prices ranging from $3.27 to $13.67 per share and expiration dates extending through 12/06/2034, totaling 435,891 derivative securities beneficially owned following the reported transactions.
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.
Security National Financial Corp reported insider equity moves by its General Counsel & Corporate Secretary, Jeffrey R. Stephens. On 12/12/2025, he disposed of 10,000 shares of Class A Common Stock coded "G" at a price of $ 9.01 per share. After this transaction, he directly beneficially owned 34,745 shares of Class A Common Stock.
The filing notes this direct amount does not include 127,085 shares of Class A Common Stock he owns indirectly through the 401(k) Retirement Savings Plan. It also reports 603 restricted stock units tied to Class A Common Stock with a conversion price of $ 13.08, part of a 2,413‑share grant made on 12/06/2024 at $ 13.08 per share under the 2022 Equity Incentive Plan, which vests quarterly and will be fully vested on 12/31/2025.
Security National Financial Corp director, 10% owner, and vice president/general counsel Andrew Quist reported exercising 33,393 employee stock options for Class A Common Stock at $3.92 per share on December 3, 2025. He then disposed of 14,892 Class A shares at $8.79 per share, leaving 169,990 Class A shares beneficially owned directly, plus 111,191 Class A shares held indirectly through a 401(k) retirement savings plan. Quist continues to hold multiple employee stock options on Class A and Class C Common Stock with exercise prices ranging from $3.27 to $13.67 and expirations between 2026 and 2034, many of which have been adjusted over time for stock dividends under the company’s stock plans.
Security National Financial Corporation reported Q3 results. Total revenues were $89,326,163 for the three months ended September 30, 2025, slightly above $88,273,687 a year ago. Net earnings were $7,815,026 versus $11,831,444, with net earnings per Class A equivalent share of $0.32 (diluted $0.31).
For the nine months, revenues were $261,607,035 versus $255,253,221, while net earnings were $18,659,673 versus $26,577,515. Q3 revenue mix included mortgage fee income $29,139,245 (prior $30,224,092) and net investment income $20,109,600 (prior $17,799,096).
As of September 30, 2025, total assets were $1,562,986,091 and stockholders’ equity was $365,381,858. Accumulated other comprehensive gain (loss) moved to a gain of $826,844 from a loss of $(6,951,266) at year-end. Cash and cash equivalents were $100,396,059; bank and other loans payable were $123,096,234. Net cash from operations for the nine months was $27,552,994.
The company plans to adopt ASU 2018‑12 for long‑duration insurance contracts at year‑end 2025. It estimates a Transition Date increase to total stockholders’ equity of approximately $4–$6 million as of January 1, 2024, and expects a $3–$4 million reduction in 2024 DAC amortization expense (net of tax).
Security National Financial Corp (SNFCA) director H. Craig Moody reported share and option activity on a Form 4. The filing shows the acquisition of 627 Class A shares via a restricted stock unit vesting event at a price of $13.08, increasing his direct non-derivative holdings to 43,702 shares. The report also details multiple outstanding director stock options and previously granted restricted stock units, which together result in beneficial ownership of 61,276 Class A shares when including exercisable options and RSUs.
The filing documents option grants from 2016–2024 with exercise prices adjusted for stock dividends and vesting/exercise windows ranging through 2033. The newly vested units will be fully vested on 12/31/2025 per the disclosed schedule.