Sec Form 4 Filing - MEHTA SHITAL ASHOK @ SECURITY NATIONAL FINANCIAL CORP - 2025-12-05

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

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, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person MEHTA SHITAL ASHOK 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) (Last) (First) (Middle) 301 MISSION ST APT 45F 3. Date of Earliest Transaction (MM/DD/YY) 12/05/2025 (Street) SAN FRANCISCO, CA94105 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 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

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 (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 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 (MM/DD/YY) 7. Title and Amount of Underlying Securities (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 of Derivative Security: 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) $ 7.02 ( 1 ) 12/03/2021 A 7,293 03/03/2022 12/03/2031 Class A Common Stock 7,293 $ 7.02 7,293 D Director Stock Option (right to buy) $ 5.56 ( 2 ) 12/02/2022 A 8,104 03/02/2023 12/02/2032 Class A Common Stock 8,104 $ 5.56 15,397 D Director Stock Option (right to buy) $ 7.21 ( 3 ) 12/01/2023 A 8,820 03/01/2024 12/01/2033 Class A Common Stock 8,820 $ 7.21 24,217 D Director Stock Option (right to buy) $ 12.43 ( 4 ) 12/06/2024 A 10,920 03/06/2025 12/06/2034 Class A Common Stock 10,920 $ 12.43 35,137 D Director Stock Option (right to buy) $ 8.53 ( 5 ) 12/05/2025 A 10,400 03/05/2026 12/05/2035 Class A Common Stock 10,400 $ 8.53 45,537 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other MEHTA SHITAL ASHOK 301 MISSION ST APT 45F SAN FRANCISCO, CA94105 X Signatures /s/ Shital A. Mehta 12/09/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )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. ( 2 )This option was granted on December 2, 2022 as an option for 7,000 shares of Class A Common Stock under the 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. ( 3 )This option was granted on December 1, 2023 as an option for 8,000 shares of Class A Common Stock under the 2014 Director Stock Option Plan at an exercise price of $7.99 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 12, 2024 and July 18, 2025. ( 4 )This option was granted on December 6, 2024 as an option for 10,400 shares of Class A Common Stock under the 2022 Equity Incentive Plan at an exercise price of $13.08 per share, but adjusted pursuant to the 2022 Equity Incentive Plan to reflect a 5% stock dividend paid on July 18, 2025. ( 5 )This option was granted on December 5, 2025 as an option for 10,400 shares of Class A Common Stock under the 2022 Equity Incentive Plan at an exercise price of $8.53 per share. The options vest in quarterly installments beginning March 5, 2026.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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