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Security Federal (SFDL) Stock Price & Analysis

SFDL Stock Chart & Stats

$47.93$0.06(0.14%)
At close: 4:00 PM EST
$42$44$463 Aug17 Aug31 Aug14 Sep1 Oct13 Oct27 Oct
Day’s Range
$46.85 - $49.01
52-Week Range
$30.91 - $49.01
Previous Close
$47.87
Volume
N/A
Average Volume (3M)
3,767
Market Cap
$148.06M
Enterprise Value
$60.29M
Total Cash (Recent Filing)
$84.68M
Total Debt (Recent Filing)
$26.11M
Price to Earnings (P/E)
10.5
Beta
0.16
Next Earnings
Feb 08, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 30, 2026
Dividend Yield
2.12%

Bulls Say, Bears Say

Bulls Say

Revenue And Margin Growth

Revenue expansion through 2025 and materially better net margins indicate improving operating performance and customer economics. If maintained, this combination can strengthen internal capital generation, support investment in the banking franchise, and provide a durable earnings base over the coming quarters.

Improved Leverage

The substantial reduction in debt relative to equity improves financial resilience and gives the company greater flexibility to manage credit conditions or fund opportunities. Lower leverage can also reduce balance-sheet risk and support more consistent banking operations across changing economic conditions.

Positive Free Cash Flow

Positive free cash flow across the periods shown demonstrates an ability to convert operations into internally generated funds. That supports capital retention, lending capacity, and shareholder or strategic flexibility, while reducing reliance on external funding to sustain the business.

Bears Say

Low Capital Efficiency

Recent mid-single-digit return on equity indicates that the bank is generating less profit from its capital than during the 2021 peak. Persistently lower capital efficiency could constrain earnings compounding and make it harder to improve shareholder returns without stronger profitability or asset productivity.

Operating Cash-Flow Volatility

The sharp year-over-year decline in operating cash flow signals less consistent cash conversion, even though free cash flow remained positive. Continued volatility could limit predictability of internally funded growth and make capital planning more dependent on banking balance-sheet conditions.

Uncertain Latest Leverage Data

The apparent inconsistency in the 2025 balance-sheet figures reduces confidence in the latest leverage assessment and complicates evaluation of financial resilience. Until the figures are reconciled, stakeholders may have less reliable visibility into capital structure and balance-sheet risk.

Security Federal News

SFDL FAQ

What was Security Federal’s price range in the past 12 months?
Security Federal lowest stock price was $30.91 and its highest was $49.01 in the past 12 months.
What is Security Federal’s market cap?
Security Federal’s market cap is $148.06M.
When is Security Federal’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Security Federal’s earnings last quarter?
Security Federal released its earnings results on Jul 31, 2026. The company reported $1.193 earnings per share for the quarter.
Is Security Federal overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Security Federal pay dividends?
Security Federal pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 2.12%. See more information on Security Federal dividends here
What is Security Federal’s EPS estimate?
Security Federal’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Security Federal have?
Security Federal has 3,093,225 shares outstanding.
What happened to Security Federal’s price movement after its last earnings report?
Security Federal reported an EPS of $1.193 in its last earnings report. Following the earnings report the stock price went up 0.136%.
Which hedge fund is a major shareholder of Security Federal?
Currently, no hedge funds are holding shares in SFDL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology