Security Federal Corporation (SFDL)
OTHER OTC:SFDL
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Security Federal
(OTC:SFDL)
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Rating:69Neutral
Price Target:
$38.00
▲(13.26% Upside)
Action:DowngradedDate:03/21/26
The score is driven by attractive valuation (low P/E with a ~2% dividend) and solid multi-year revenue growth with improved 2025 margins. These positives are tempered by balance-sheet data uncertainty for 2025 and signs of cash-flow volatility, while technicals point to a longer-term uptrend but muted near-term momentum.
Positive Factors
Revenue Growth
Multi-year revenue expansion through 2025 shows durable demand and successful business execution. Re-acceleration into 2025 indicates the company can regain growth momentum, supporting stable top-line prospects and providing a base for margin and cash-flow improvement over the medium term.
Negative Factors
OCF Volatility
A sharp drop in operating cash flow despite positive free cash flow signals inconsistent cash conversion and potential earnings quality concerns. Persistent OCF volatility can strain liquidity planning, hinder predictable capital returns, and complicate funding of growth initiatives over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Multi-year revenue expansion through 2025 shows durable demand and successful business execution. Re-acceleration into 2025 indicates the company can regain growth momentum, supporting stable top-line prospects and providing a base for margin and cash-flow improvement over the medium term.
Read all positive factors
Security Federal (SFDL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$108.28M
Dividend Yield2.2%
Average Volume (3M)234.00
Price to Earnings (P/E)7.7
Beta (1Y)0.22
Revenue Growth4.55%
EPS Growth19.33%
CountryUS
Employees258
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.24
Shares Outstanding3,093,225
10 Day Avg. Volume135
30 Day Avg. Volume234
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.53
Price to Sales (P/S)1.17
P/FCF Ratio11.97
Enterprise Value/Market Cap1.21
Enterprise Value/Revenue1.45
Enterprise Value/Gross Profit2.22
Enterprise Value/Ebitda6.56
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
Security Federal Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
null...
Security Federal Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.14M | 85.99M | 72.93M | 50.92M | 48.55M |
| Gross Profit | 58.93M | 49.15M | 46.96M | 45.90M | 47.13M |
| EBITDA | 17.33M | 15.11M | 15.08M | 15.29M | 18.62M |
| Net Income | 13.67M | 9.81M | 10.19M | 10.23M | 12.77M |
Balance Sheet | |||||
| Total Assets | 1.62B | 1.61B | 1.55B | 1.38B | 1.30B |
| Cash, Cash Equivalents and Short-Term Investments | 66.42M | 259.05M | 177.77M | 579.75M | 711.57M |
| Total Debt | 36.31M | 43.92M | 52.28M | 61.15M | 64.23M |
| Total Liabilities | 1.42B | 1.43B | 1.38B | 1.22B | 1.19B |
| Stockholders Equity | 200.46M | 182.39M | 172.36M | 160.23M | 115.52M |
Cash Flow | |||||
| Free Cash Flow | 8.80M | 25.67M | 6.00M | 17.18M | 17.13M |
| Operating Cash Flow | 14.38M | 28.43M | 8.86M | 21.87M | 19.28M |
| Investing Cash Flow | -101.26M | -26.68M | -58.48M | -136.97M | -136.09M |
| Financing Cash Flow | -16.06M | 48.24M | 149.41M | 115.98M | 126.40M |
Security Federal Technical Analysis
Positive
33.55
Price Trends
34.68
Positive
33.39
Positive
31.93
Positive
Market Momentum
0.04
Positive
52.10
Neutral
49.49
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFDL, the sentiment is Positive. The current price of 33.55 is below the 20-day moving average (MA) of 35.03, below the 50-day MA of 34.68, and above the 200-day MA of 31.93, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 52.10 is Neutral, neither overbought nor oversold. The STOCH value of 49.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFDL.
Security Federal Risk Analysis
Security Federal disclosed 24 risk factors in its most recent earnings report. Security Federal reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Security Federal Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $108.28M | 7.70 | 6.33% | 2.20% | 4.55% | 19.33% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $82.96M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
63 Neutral | $121.09M | 15.00 | 6.26% | 2.12% | 2.27% | 66.15% | |
51 Neutral | $85.84M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
SFDL
Security Federal
35.01
7.36
26.61%
AUBN
Auburn National Bancorporation
23.75
4.42
22.85%
LSBK
Lake Shore Bancorp
15.69
5.71
57.15%
PBHC
Pathfinder Bancorp
13.72
-1.48
-9.74%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.