StockData
Security Federal Corp logo

Security Federal Corp (SFDL) stock analysis

SFDLOTCState Commercial BanksFiscal year ends December 31
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-K on Mar 20, 2026Score 8/30
$46.85+0.00 (0.00%)

Close on Oct 19, 2026Market cap $146.13MP/E 12.3Yield 1.52%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth2Performance2Health4Dividend0

Weak8 of 30 checks passed

Security Federal passes 8 of the 30 checks behind our score; 15 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
2/6
Past performance
2/6
Financial health
4/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 14.2% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 39.4% over the last twelve months, against a 5-year average of 14.2% a year.

  • Well capitalized

    Equity is 12.4% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 49.1% of deposits, so lending is funded by customer deposits.

What to watch

  • Return on equity under 15%

    Return on equity was 7.1% over the last twelve months and averaged 7.5% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 7.6% a year over the last three fiscal years, short of the 10% we look for.

  • Return on assets under 1%

    Return on assets was 0.8%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Security Federal's return on equity of 7.1% is below the Commercial Banks median of 11.5%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 7.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth accelerating

    Net income grew 39.4% over the last twelve months, against a 5-year average of 14.2% a year.

  • Growing faster than the industry

    Revenue grew 12.7% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 7.1% over the last twelve months and averaged 7.5% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.8%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Security Federal's return on equity of 7.1% is below the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 14.2% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 23.3% over the last twelve months, against a 5-year average of 22.5%.

  • Net margin below the industry

    Security Federal's net margin of 23.3% is below the Commercial Banks median of 30.3%.

Financial health4/6

  • Well capitalized

    Equity is 12.4% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 49.1% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 2.0% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 70.9% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 3.6% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Security Federal has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Security Federal. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 8.9
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2010 to 2025

Net margin

23.3%+6.5 pts over 5 years

See a number that looks wrong?