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Security Federal Corporation (SFDL)
OTHER OTC:SFDL
SFDL Stock Chart & Stats
$33.55
$0.25(0.92%)
At close: 4:00 PM EST
$33.55
$0.25(0.92%)
Day’s Range― - ―
52-Week Range$28.05 - $36.75
Previous CloseN/A
Volume950.00
Average Volume (3M)234.00
Market Cap
$111.67M
Enterprise Value$99.61M
Total Cash (Recent Filing)$289.34M
Total Debt (Recent Filing)$40.21M
Price to Earnings (P/E)7.7
Beta0.25
Next Earnings
May 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.2%
Share Statistics
EPS (TTM)N/A
Shares Outstanding3,123,691
10 Day Avg. Volume135
30 Day Avg. Volume234
Financial Highlights & Ratios
PEG Ratio-0.75
Price to Book (P/B)0.48
Price to Sales (P/S)1.01
P/FCF Ratio3.39
Enterprise Value/Market Cap0.89
Enterprise Value/Revenue1.14
Enterprise Value/Gross Profit1.83
Enterprise Value/Ebitda5.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Low Leverage / Strong CapitalizationA debt-to-equity of 0.21 signals a conservatively financed balance sheet that improves resilience to credit losses and interest-rate stress. Low leverage supports regulatory capital cushions, enables continued lending or strategic acquisitions, and preserves funding flexibility over the medium term.
Robust Revenue GrowthA 60.8% TTM revenue increase reflects sustained demand for the firm’s core banking products or successful expansion initiatives. If driven by recurring loan interest and fee income, this growth can compound earnings, fund reinvestment, and strengthen competitive position within the regional market over multiple quarters.
Strong Cash ConversionHigh FCF growth and near-100% FCF-to-net-income indicate effective conversion of accounting earnings into cash. This durable cash generation supports dividends, internal investment, and debt reduction without heavy reliance on capital markets, enhancing financial flexibility and resilience across economic cycles.
Bears Say
Low Operational (EBIT) MarginA 4.4% EBIT margin points to limited operating efficiency despite healthy gross and net margins. Persistent low EBIT restricts the firm’s ability to absorb higher loan-loss provisions or fund growth initiatives from operating profits, making long-term profitability more sensitive to cost structure and revenue mix shifts.
Moderate Return On EquityROE of 6.77% indicates only modest shareholder returns relative to invested equity. Over time this may signal limited profitability leverage or cautious capital deployment, making it harder to generate superior equity returns without improving asset yields, margins, or selective leverage within risk limits.
Regional/community Banking ConcentrationA community-focused regional model constrains geographic diversification and scale economics. That concentration can limit fee diversification and increase sensitivity to local economic cycles, potentially capping long-term growth unless the bank expands its footprint or broadens product offerings strategically.
Security Federal News
SFDL FAQ
What was Security Federal Corporation’s price range in the past 12 months?
Security Federal Corporation lowest stock price was $28.05 and its highest was $36.75 in the past 12 months.
What is Security Federal Corporation’s market cap?
Security Federal Corporation’s market cap is $111.67M.
When is Security Federal Corporation’s upcoming earnings report date?
Security Federal Corporation’s upcoming earnings report date is May 04, 2026 which is in 59 days.
How were Security Federal Corporation’s earnings last quarter?
Currently, no data Available
Is Security Federal Corporation overvalued?
According to Wall Street analysts Security Federal Corporation’s price is currently Overvalued.
Does Security Federal Corporation pay dividends?
Security Federal Corporation pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 2.2%. See more information on Security Federal Corporation dividends here
What is Security Federal Corporation’s EPS estimate?
Security Federal Corporation’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Security Federal Corporation have?
Security Federal Corporation has 3,123,691 shares outstanding.
What happened to Security Federal Corporation’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Security Federal Corporation?
Currently, no hedge funds are holding shares in SFDL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Security Federal Corporation
Security Federal Corporation operates as the bank holding company for Security Federal Bank that provides various banking products and services. It accepts various deposit products, such as savings accounts, checking accounts, various money market accounts, fixed interest rate certificates, negotiated rate jumbo certificates of deposit, and individual retirement accounts. The company also originates commercial real estate loans, commercial business loans, and consumer loans, as well as mortgage loans to buy or refinance one-to-four family residential real estate; and construction loans on single-family residences, multi-family dwellings and projects, and commercial real estate. In addition, it provides loans for the acquisition, development, and construction of residential subdivisions and commercial projects. Further, the company offers trust, financial planning, and financial management services; and operates an insurance agency that offers auto, business, life, health, and home insurance products, as well as provides insurance premium financing services. Additionally, it invests in various types of liquid assets, including U.S. Treasury obligations and securities of various federal agencies, certificates of deposit at insured institutions, mutual funds, bankers' acceptances and federal funds, as well as commercial paper and corporate debt securities. As of February 8, 2021, the company operated 17 full-service branch offices in Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Ridge Spring, Wagener, and West Columbia, South Carolina; and Augusta and Evans, Georgia. Security Federal Corporation was founded in 1922 and is headquartered in Aiken, South Carolina.
Technical Analysis
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Ownership Overview
Options Prices
Currently, No data available
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