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Security Bancorp
(OTC:SCYT)
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Rating:77Outperform
Price Target:
$137.00
â–²(16.08% Upside)
Action:Reiterated
Date:09/06/26
The score is driven primarily by strong fundamental performance (revenue/profit growth and improved cash generation) and an attractive valuation (low P/E). The main offsets are balance-sheet risk from the sharp 2025 debt increase and mixed/neutral near-term technical momentum.
Positive Factors
Strong revenue and profit growth
Sustained expansion in revenue and net income indicates that the bank has strengthened its earning capacity over several years, not merely benefited from a single period. Continued growth provides more internal resources to support capital formation, investment, and future business development.
Negative Factors
Sharp increase in total debt
The abrupt change in funding mix is a meaningful balance-sheet risk because higher debt can increase fixed financial obligations and reduce flexibility during weaker operating conditions. Although equity remains sizable, the new leverage warrants monitoring over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and profit growth
Sustained expansion in revenue and net income indicates that the bank has strengthened its earning capacity over several years, not merely benefited from a single period. Continued growth provides more internal resources to support capital formation, investment, and future business development.
Read all positive factors
Security Bancorp (SCYT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$45.54M
Dividend Yield0.83%
Average Volume (3M)38.00
Price to Earnings (P/E)7.2
Beta (1Y)0.18
Revenue Growth3.36%
EPS Growth40.03%
CountryUS
Employees8
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding377,932
10 Day Avg. Volume55
30 Day Avg. Volume38
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)0.85
Price to Sales (P/S)1.47
P/FCF Ratio6.24
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 Bancorp Business Overview & Revenue Model
Company Description
Security Bancorp, Inc. functions as the holding company for its subsidiary, Security Federal Savings Bank, providing a comprehensive suite of financial products and services to both individual consumers and corporate clients throughout Tennessee. ...
How the Company Makes Money
null...
Security Bancorp Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
72
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.76M | 24.35M | 22.34M | 17.19M | 12.06M | 11.07M |
| Gross Profit | 16.38M | 15.09M | 13.80M | 11.45M | 10.78M | 10.00M |
| EBITDA | 8.03M | 7.16M | 5.67M | 4.61M | 4.28M | 3.75M |
| Net Income | 6.29M | 5.49M | 4.06M | 3.27M | 3.05M | 2.65M |
Balance Sheet | ||||||
| Total Assets | 386.10M | 381.97M | 359.72M | 324.86M | 301.76M | 295.74M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 11.32M | 30.90M | 13.05M | 19.23M | 46.42M |
| Total Debt | 10.00M | 19.00M | 1.72K | 3.97K | 7.89K | 0.00 |
| Total Liabilities | 341.14M | 339.98M | 324.12M | 293.68M | 274.51M | 267.70M |
| Stockholders Equity | 44.97M | 41.99M | 35.61M | 31.18M | 27.25M | 28.04M |
Cash Flow | ||||||
| Free Cash Flow | 5.75M | 5.75M | 3.37M | 3.34M | 4.08M | 2.73M |
| Operating Cash Flow | 6.17M | 6.17M | 3.74M | 3.44M | 4.39M | 2.83M |
| Investing Cash Flow | -23.46M | -23.46M | -33.74M | -14.43M | -19.82M | -36.77M |
| Financing Cash Flow | 15.20M | 15.20M | 30.36M | 17.79M | 6.09M | 32.79M |
Security Bancorp Technical Analysis
Positive
118.02
Price Trends
120.98
Negative
111.60
Positive
102.56
Positive
Market Momentum
-0.41
Negative
52.83
Neutral
53.03
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SCYT, the sentiment is Positive. The current price of 118.02 is below the 20-day moving average (MA) of 119.87, below the 50-day MA of 120.98, and above the 200-day MA of 102.56, indicating a neutral trend. The MACD of -0.41 indicates Negative momentum. The RSI at 52.83 is Neutral, neither overbought nor oversold. The STOCH value of 53.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SCYT.
Security Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $79.07M | 12.74 | 10.69% | 2.14% | 7.71% | 60.72% | |
77 Outperform | $45.54M | 7.21 | 14.77% | 0.83% | 3.36% | 40.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $49.41M | 25.90 | 3.86% | 0.82% | 8.66% | 958.30% | |
55 Neutral | $183.35M | -0.46 | -63.67% | 124.80% | -35.76% | -909.39% | |
52 Neutral | $12.99M | -83.40 | -0.75% | 8.71% | 13.37% | -600.93% |
* Financial Sector Average
SCYT
Security Bancorp
120.50
38.92
47.71%
GLBZ
Glen Burnie Bancorp
4.45
0.02
0.45%
HFBL
Home Federal Bancorp Of Louisiana
25.99
12.90
98.55%
KFFB
Kentucky First Federal Bancorp
6.11
2.82
85.83%
BAFN
BayFirst Financial Corp
6.80
-2.15
-24.02%
MBBC
Marathon Bancorp
15.12
4.81
46.65%
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.