Jason G. Overbaugh - 05 Dec 2025 Form 4 Insider Report for SECURITY NATIONAL FINANCIAL CORP (SNFCA)

Role: VP & Nat Mark Dir of Life Ins, Director, 10%+ Owner
Signature: /s/ Jason G. Overbaugh
Issuer symbol: SNFCA
Transactions as of: 05 Dec 2025
Net transactions value: +$2,033,506
Form type: 4
Filing time: 31 Dec 2025, 18:02:25 UTC
Previous filing: 20 Feb 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Overbaugh Jason G.	VP & Nat Mark Dir of Life Ins, Director, 10%+ Owner	13471 SOUTH TUSCALEE WAY, DRAPER	/s/ Jason G. Overbaugh	31 Dec 2025	0001588310

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	SNFCA	Class A Common Stock	Gift	$41,445	-4,500	-4.8%	$9.21	88,789	30 Dec 2025	Direct	F1, F2, F3

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	$154,942	+41,208		$3.76	41,208	06 Dec 2019	Class C Common Stock	41,208	$3.76	Direct	F4
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$111,459	+39,246	+95%	$2.84	80,454	27 Mar 2020	Class C Common Stock	39,246	$2.84	Direct	F5
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$255,984	+36,465	+45%	$7.02	116,919	03 Dec 2021	Class C Common Stock	36,465	$7.02	Direct	F6
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$225,275	+40,517	+35%	$5.56	157,436	02 Dec 2022	Class C Common Stock	40,517	$5.56	Direct	F7
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$317,961	+44,100	+28%	$7.21	201,536	01 Dec 2023	Class C Common Stock	44,100	$7.21	Direct	F8
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$99,764	+7,298	+3.6%	$13.67	208,834	06 Dec 2024	Class C Common Stock	7,298	$13.67	Direct	F9
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$431,358	+34,703	+17%	$12.43	243,537	06 Dec 2024	Class C Common Stock	34,703	$12.43	Direct	F10
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$99,963	+10,657	+4.4%	$9.38	254,194	05 Dec 2025	Class C Common Stock	10,657	$9.38	Direct	F11
transaction	SNFCA	Employee Stock Option (right to buy)	Award	$378,246	+44,343	+17%	$8.53	298,537	05 Dec 2025	Class C Common Stock	44,343	$8.53	Direct	F12

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

Explanation of Responses:

Id	Content
F1	Does not include 112,260 shares of Class A Common Stock owned indirectly by the reporting person in the 401(k) Retirement Savings Plan.
F2	Does not include 30,146 shares of Class A Common Stock owned indirectly by the reporting person in the Deferred Compensation Plan.
F3	Includes 43,288 shares of Class A Common Stock and 45,501 shares of Class C Common Stock.
F4	This option was granted on December 6, 2019 as an option to purchase either 30,000 shares of Class A Common Stock or 30,000 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 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 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.
F5	This option was granted on March 27, 2020 as an option to purchase either 30,000 shares of Class A Common Stock or 30,000 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 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 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.
F6	This option was granted on December 3, 2021 as an option to purchase 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.
F7	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 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.
F8	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.
F9	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 anti-dilution rights of the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 18, 2025.
F10	This option was granted on December 6, 2024 as an option for either 33,050 shares of Class A Common Stock or 33,050 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 33,050 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.
F11	This option was granted on December 5, 2025 as an option for either 10,657 shares of Class A Common Stock or 10,657 shares of Class C Common Stock at an exercise price of $9.38 per share. This option reflects the reporting person's election to have an option for 10,657 Class C Common Stock. These options vest quarterly in equal installments, beginning on March 5, 2026.
F12	This option was granted on December 5, 2025 as an option for either 44,343 shares of Class A Common Stock or 44,343 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 44,343 Class C Common Stock. These options vest quarterly in equal installments, beginning on March 5, 2026.