Garrett S. Sill - 05 Dec 2025 Form 4 Insider Report for SECURITY NATIONAL FINANCIAL CORP (SNFCA)

Role: Chief Financial Officer
Signature: /s/ Garrett S. Sill
Issuer symbol: SNFCA
Transactions as of: 05 Dec 2025
Net transactions value: +$4,030,373
Form type: 4
Filing time: 31 Dec 2025, 13:31:15 UTC
Previous filing: 20 Feb 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Sill Garrett S.	Chief Financial Officer	28 S PRESTON STREET, KAYSVILLE	/s/ Garrett S. Sill	31 Dec 2025	0001568673

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$108,461	+28,846		$3.76	28,846	30 Nov 2018	Class C Common Stock	28,846	$3.76	Direct	F1
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$134,265	+34,339	+119%	$3.91	63,185	06 Dec 2019	Class C Common Stock	34,339	$3.91	Direct	F2
transaction	SNFCA	Employee Stock Option(right to buy)	Award	$92,879	+32,704	+52%	$2.84	95,889	27 Mar 2020	Class C Common Stock	32,704	$2.84	Direct	F3
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$255,984	+36,465	+38%	$7.02	132,354	03 Dec 2021	Class C Common Stock	36,465	$7.02	Direct	F4
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$225,275	+40,517	+31%	$5.56	172,871	02 Dec 2022	Class C Common Stock	40,517	$5.56	Direct	F5
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$317,961	+44,100	+26%	$7.21	216,971	01 Dec 2023	Class C Common Stock	44,100	$7.21	Direct	F6
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$848,348	+68,250	+31%	$12.43	285,221	06 Dec 2024	Class C Common Stock	68,250	$12.43	Direct	F7
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$1,791,300	+210,000	+74%	$8.53	495,221	05 Dec 2025	Class A Common Stock	210,000	$8.53	Direct	F8
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$255,900	+30,000	+6.1%	$8.53	525,221	05 Dec 2025	Class C Common Stock	30,000	$8.53	Direct	F8

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	This option was granted on November 30, 2018 as an option for either 20,000 shares of Class A Common Stock or 20,000 shares of Class C Common Stock at an exercise price of $5.52 per share. This option reflects the reporting person's election to have an option for 20,000 shares of Class C Common Stock, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect a 5% stock dividend paid on February 1, 2019 and February 7, 2020; a 2 1/2% stock dividend paid on July 17, 2020; and a 5% stock dividend paid on July 16, 2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F2	This option was granted on December 6, 2019 as an option for either 25,000 shares of Class A Common Stock or 25,000 shares of Class C Common Stock at an exercise price of $5.46 per share. This option reflects the reporting person's election to have an option for 25,000 shares of Class C Common Stock, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect a 5% stock dividend paid on February 7, 2020; a 2 1/2% stock dividend paid on July 17, 2020; and a 5% stock dividend paid on July 16, 2021, July 8,2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F3	This option was granted on March 27, 2020 as an option for either 25,000 shares of Class A Common Stock or 25,000 shares of Class C Common Stock at an exercise price of $3.76 per share. This option reflects the reporting person's election to have an option for 25,000 shares of Class C Common Stock, but adjusted pursuant to the anti-dilution rights of the 2013 Stock Option Plan to reflect a 2 1/2% stock dividend paid on July 17, 2020; and a 5% stock dividend paid on July 16,2021, July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F4	This option was granted on December 3, 2021 as an option for either 30,000 shares of Class A Common Stock or 30,000 shares of Class C Common Stock at an exercise price of $8.62 per share. This option reflects the reporting person's election to have an option for 30,000 shares of Class C Common Stock, but adjusted pursuant to the anti-dilution rights of the 2013 Stock Option Plan to reflect a 5% stock dividend paid on July 8, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F5	This option was granted on December 2, 2022 as an option for either 35,000 shares of Class A Common Stock or 35,000 shares of Class C Common Stock at an exercise price of $6.48 per share. This option reflects the reporting person's election to have an option for 35,000 shares of Class C Common Stock, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect a 5% stock dividend paid on July 14, 2023, July 12, 2024 and July 18, 2025.
F6	This option was granted on December 1, 2023 as an option for either 40,000 shares of Class A Common Stock or 40,000 shares of Class C Common Stock at an exercise price of $7.99 per share. This option reflects the reporting person's election to have an option for 40,000 Class C Common Stock, but adjusted pursuant to the anti-dilution rights of the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 12, 2024 and July 18, 2025.
F7	This option was granted on December 6, 2024 as an option for either 65,000 shares of Class A Common Stock or 65,000 shares of Class C Common Stock at an exercise price of $13.08 per share. This option reflects the reporting person's election to have an option for 65,000 Class C Common Stock, but adjusted pursuant to the anti-dilution rights of the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 18, 2025.
F8	This option was granted on December 5, 2025 as an option for either 240,000 shares of Class A Common Stock or 240,000 shares of Class C Common Stock at an exercise price of $8.53 per share. This option reflects the reporting person's election to have an option for 210,000 Class A Common Stock and 30,000 Class C Common Stock. These options vest quarterly in equal installments, beginning March 5, 2026.