Security Bancorp (SCYT) AI Stock Analysis

Security Bancorp

(Other OTC:SCYT)

Select Model

Rating:77Outperform

Price Target:$137.00▲(10.43% 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 growthSustained 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 debtThe 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.

Security Bancorp (SCYT) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $46.13M
Dividend Yield: 0.81%
Average Volume (3M): 502
Price to Earnings (P/E): 7.3
Beta (1Y): 0.20
Revenue Growth: 3.36%
EPS Growth: 40.03%
Country: US
Employees: 8
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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. The...

How the Company Makes Money

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Security Bancorp Financial Statement Overview

Summary

Strong multi-year revenue and net income growth and generally healthy operating/free cash flow since 2021 support a high score. Offsetting factors include volatility in cash flows, an operating metric inconsistency in 2024, and a notable 2025 jump in total debt that increases balance-sheet risk.

Income Statement

86Very Positive

Balance Sheet

72Positive

Cash Flow

81Very Positive

Financial statement breakdown
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	11.32M	30.90M	13.05M	19.23M	46.42M
Total Debt	10.00M	19.00M	1,717	3,966	7,889	0
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

Technical Analysis SentimentPositive

Last Price124.06

Price Trends

50DMA122.19Positive

100DMA120.59Positive

200DMA109.03Positive

Market Momentum

MACD0.41Positive

RSI52.39Neutral

STOCH50.19Neutral

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 124.06 is below the 20-day moving average (MA) of 124.54, above the 50-day MA of 122.19, and above the 200-day MA of 109.03, indicating a neutral trend. The MACD of 0.41 indicates Positive momentum. The RSI at 52.39 is Neutral, neither overbought nor oversold. The STOCH value of 50.19 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

SCYT against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SCYT	77Outperform	$46.89M	7.33	14.77%	0.81%	3.36%	40.03%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HFBL	64Neutral	$69.25M	10.68	11.12%	2.49%	7.94%	43.98%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
BAFN	52Neutral	$156.38M	-0.55	-42.84%	―	-40.59%	-260.03%
GLBZ	52Neutral	$12.19M	-154.13	-0.39%	―	17.13%	-395.56%

* Financial Sector Average

Performance Comparison

SCYT and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
SCYT	Security Bancorp	124.06	38.90	45.67%
GLBZ	Glen Burnie	4.17	-0.52	-10.98%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.85	6.90	43.23%
KFFB	Kentucky First Federal	5.34	1.39	35.29%
BAFN	BayFirst Financial Corp	5.80	-3.50	-37.63%
MBBC	Marathon Bancorp, Inc.	14.44	3.50	31.95%

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.

Date of analysis: Sep 06, 2026

Security Bancorp AI Stock Analysis