S. Andrew Quist - 03 Dec 2025 Form 4 Insider Report for SECURITY NATIONAL FINANCIAL CORP (SNFCA)

Role: Vice President/General Counsel, Director, 10%+ Owner
Signature: /s/ Andrew Quist
Issuer symbol: SNFCA
Transactions as of: 03 Dec 2025
Net transactions value: +$2,957,099
Form type: 4
Filing time: 09 Dec 2025, 12:18:29 UTC
Previous filing: 31 Mar 2025
Next filing: 15 Jan 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Quist S. Andrew	Vice President/General Counsel, Director, 10%+ Owner	3936 S. HALE DR., MILLCREEK	/s/ Andrew Quist	09 Dec 2025	0001588309

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	SNFCA	Class A Common Stock	Options Exercise	$130,901	+33,393	+22%	$3.92	184,882	03 Dec 2025	Direct
transaction	SNFCA	Class A Common Stock	Disposed to Issuer	$130,901	-14,892	-8.1%	$8.79	169,990	03 Dec 2025	Direct	F1, F2

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	$130,901	-33,393	-100%	$3.92	0	04 Dec 2015	Class A Common Stock	33,393	$3.92	Direct	F3
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$137,389	+31,803		$4.32	31,803	02 Dec 2016	Class A Common Stock	31,803	$4.32	Direct	F4
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$99,045	+30,289	+95%	$3.27	62,092	01 Dec 2017	Class C Common Stock	30,289	$3.27	Direct	F5
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$135,574	+36,057	+58%	$3.76	98,149	30 Nov 2018	Class C Common Stock	36,057	$3.76	Direct	F6
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$511,976	+72,931	+74%	$7.02	171,080	03 Dec 2021	Class C Common Stock	72,931	$7.02	Direct	F7
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$514,912	+92,610	+54%	$5.56	263,690	02 Dec 2022	Class C Common Stock	92,610	$5.56	Direct	F8
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$635,922	+88,200	+33%	$7.21	351,890	01 Dec 2023	Class C Common Stock	88,200	$7.21	Direct	F9
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$99,764	+7,298	+2.1%	$13.67	359,188	06 Dec 2024	Class C Common Stock	7,298	$13.67	Direct	F10
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$953,418	+76,703	+21%	$12.43	435,891	06 Dec 2024	Class C Common Stock	76,703	$12.43	Direct	F11

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

Explanation of Responses:

Id	Content
F1	Does not include 111,191 shares of Class A Common Stock owned indirectly by the reporting person in the 401(k) Retirement Savings Plan.
F2	Includes 62,719 shares of Class A Common Stock and 107,272 shares of Class C Common Stock.
F3	This option was granted on December 4, 2015 as an option for 20,000 shares of Class A Common Stock at an exercise price of $6.72 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; and a 5% stock dividend paid on July 16, 2021, July 08, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F4	This option was granted on December 2, 2016 as an option for 20,000 shares of Class A Common Stock at an exercise price of $7.03 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 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; and a 5% stock dividend paid on July 16, 2021, July 08, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F5	This option was granted on December 1, 2017 as an option for either 20,000 shares of Class A Common Stock or 20,000 shares or Class C Common Stock at an exercise price of $5.05 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 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; and a 5% stock dividend paid on July 16, 2021, July 08, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F6	This option was granted on November 30, 2018 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 $5.52 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 5% stock dividends paid on February 1, 2019 and February 7, 2020; a 2.5% stock dividend paid on July 17, 2020; and a 5% stock dividend paid on July 16, 2021, July 08, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F7	This option was granted on December 3, 2021 as an option for either 60,000 shares of Class A Common Stock or 60,000 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 60,000 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 08, 2022, July 14, 2023, July 12, 2024 and July 18, 2025.
F8	This option was granted on December 2, 2022 as an option for either 80,000 shares of Class A Common Stock or 80,000 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 80,000 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 14, 2023, July 12, 2024 and July 18, 2025.
F9	This option was granted on December 1, 2023 as an option for either 80,000 shares of Class A Common Stock or 80,000 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 80,000 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.
F10	This option was granted on December 6, 2024 as an option for either 6,950 shares of Class A Common Stock or 6,950 shares of Class C Common Stock at an exercise price of $14.39 per share. This option reflects the reporting person's election to have an option for 6,950 Class C Common Stock, but adjusted pursuant to the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 18, 2025.
F11	This option was granted on December 6, 2024 as an option for either 73,050 shares of Class A Common Stock or 73,050 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 73,050 Class C Common Stock, but adjusted pursuant to the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 18, 2025.