SFDLOTCState Commercial BanksFiscal year ends December 31
SECURITY FEDERAL CORP
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-K on Mar 20, 2026
$46.85+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $146.13M
- P/E (TTM)
- 12.3
- Dividend yield
- 1.52%
Security Federal statistics
Financials through Dec 31, 2025, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Security Federal | Industry median |
|---|---|---|
| Market Cap | $144.92M | $679.86M |
| Enterprise Value | $69.58M | $418.07M |
| PE Ratio | 12.30 | 12.00 |
| PS Ratio | 2.47 | 3.62 |
| PB Ratio | 0.72 | 1.18 |
| P/TBV Ratio | 0.73 | 1.42 |
| P/FCF Ratio | 16.47 | 10.93 |
| P/OCF Ratio | 10.07 | 10.04 |
Enterprise value
| Measure | Security Federal | Industry median |
|---|---|---|
| EV / Sales | 1.19 | 2.78 |
| EV / FCF | 7.91 | 8.40 |
Income (trailing twelve months)
| Measure | Security Federal | Industry median |
|---|---|---|
| Revenue | $58.70M | $170.85M |
| Pretax Income | $17.33M | $70.12M |
| Net Income | $13.67M | $54.33M |
| EPS (Diluted) | $3.81 | $2.90 |
Margins
| Measure | Security Federal | Industry median |
|---|---|---|
| Pretax Margin | 29.5% | 36.4% |
| Profit Margin | 23.3% | 29.1% |
| FCF Margin | 15.0% | 33.0% |
Returns
| Measure | Security Federal | Industry median |
|---|---|---|
| Return on Equity (ROE) | 7.14% | 10.5% |
| Return on Assets (ROA) | 0.85% | 1.12% |
Growth
| Measure | Security Federal | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 12.7% | 11.8% |
| Net Income Growth (YoY) | 39.4% | 23.1% |
| EPS Growth (YoY) | 38.0% | 22.7% |
| FCF Growth (YoY) | -65.7% | 27.1% |
| Revenue Growth (3Y CAGR) | 7.57% | 5.82% |
| Revenue Growth (5Y CAGR) | 6.96% | 6.17% |
Balance sheet
| Measure | Security Federal | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $75.34M | $205.54M |
| Net Cash (Debt) | $75.34M | $164.40M |
| Net Cash Per Share | $24.35 | $8.13 |
| Equity (Book Value) | $200.46M | $560.44M |
| Book Value Per Share | $64.80 | $28.47 |
| Tangible Book Value | $199.26M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Security Federal | Industry median |
|---|---|---|
| Operating Cash Flow | $14.38M | $61.20M |
| Capital Expenditures | -$5.58M | -$4.02M |
| Free Cash Flow | $8.80M | $52.43M |
| FCF Per Share | $2.85 | $3.07 |
Efficiency
| Measure | Security Federal | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $227.52K | $357.09K |
| Profits Per Employee | $53.00K | $107.23K |
| Employee Count | 258 | 528 |
Dividends and yields
| Measure | Security Federal | Industry median |
|---|---|---|
| Earnings Yield | 9.44% | 8.07% |
| FCF Yield | 6.07% | 8.89% |
| Dividend Yield | 1.52% | 2.48% |
| Buyback Yield | 1.57% | 1.52% |
| Shareholder Yield | 3.09% | 3.13% |
| Dividend Per Share | $0.71 | $0.93 |
| Dividend Growth (YoY) | 26.8% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 16.2% | 29.4% |
| FCF Payout Ratio | 25.1% | 26.0% |
Shares
| Measure | Security Federal | Industry median |
|---|---|---|
| Shares Outstanding | 3,093,230 | 18,910,300 |
| Shares Change (YoY) | -1.54% | 0.39% |
| Shares Change (QoQ) | -0.32% | 0.00% |
| Float | 3,084,980 | 16,895,350 |
| Shares Held by Insiders | 0.27% | 5.92% |
Taxes
| Measure | Security Federal | Industry median |
|---|---|---|
| Income Tax | $3.66M | $14.50M |
| Effective Tax Rate | 21.1% | 21.1% |
Scores
| Measure | Security Federal | Industry median |
|---|---|---|
| Graham Number | $74.53 | $45.31 |
| Graham Upside | 59.1% | 21.6% |
| Altman Z-Score | 0.21 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Security Federal's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.