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SFDL Stock Chart & Stats
$42.18
$0.00(0.00%)
At close: 4:00 PM EDT
$42.18
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$30.60 - $43.32
Previous CloseN/A
Volume17.00
Average Volume (3M)234.00
Market Cap
$130.92M
Enterprise Value$148.24
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$37.17M
Price to Earnings (P/E)10.4
Beta0.18
Next Earnings
Nov 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.89%
Share Statistics
EPS (TTM)4.00
Shares Outstanding3,093,225
10 Day Avg. Volume135
30 Day Avg. Volume234
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.53
Price to Sales (P/S)1.17
P/FCF Ratio11.97
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
Bulls Say, Bears Say
Bulls Say
Multi-year Revenue GrowthConsistent revenue expansion to $90.1M in 2025 with re-accelerating growth versus 2024 indicates sustained demand and expanding market presence. Multi-year top-line momentum supports scale economies, diversification of income sources, and a firmer base for reinvestment and margin stability.
Consistent Free Cash Flow GenerationFree cash flow has been positive every reported year and rebounded strongly, with $14.4M in 2025 and historical coverage of a large portion of net income. Persistent FCF supports dividend capacity, organic investment and reduces dependence on external financing over coming quarters.
Material Leverage ReductionA marked decline in debt-to-equity to ~0.24 by 2024 reflects disciplined deleveraging and strengthens balance-sheet resilience. Lower leverage reduces interest sensitivity, enhances borrowing optionality for strategic initiatives, and gives management more flexibility for capital allocation.
Bears Say
Operating Cash-flow VolatilityOperating cash flow fell steeply in 2025, halving from $28.4M to $14.4M, which signals volatility in core cash conversion. Such swings can complicate liquidity planning, increase reliance on balance-sheet buffers, and make dividend and reinvestment policies harder to sustain predictably.
Lower Capital Efficiency Vs Prior PeaksAlthough profitability improved in 2025, ROE and margins remain well below 2021–2022 peaks. Persistently mid-single-digit ROE implies reduced capital efficiency, limiting the firm's ability to generate high shareholder returns without structural margin improvement or higher asset productivity.
2025 Balance-sheet Data InconsistencyA data inconsistency in the 2025 balance sheet undermines confidence in the latest leverage and liquidity picture. Until reconciled, this uncertainty hampers reliable assessment of solvency, regulatory capital metrics and the adequacy of reserves for stress scenarios.
Security Federal News
SFDL FAQ
What was Security Federal Corporation’s price range in the past 12 months?
Security Federal Corporation lowest stock price was $30.60 and its highest was $43.32 in the past 12 months.
What is Security Federal Corporation’s market cap?
Security Federal Corporation’s market cap is $130.92M.
When is Security Federal Corporation’s upcoming earnings report date?
Security Federal Corporation’s upcoming earnings report date is Nov 02, 2026 which is in 91 days.
How were Security Federal Corporation’s earnings last quarter?
Currently, no data Available
Is Security Federal Corporation overvalued?
According to Wall Street analysts Security Federal Corporation’s price is currently Overvalued.
Does Security Federal Corporation pay dividends?
Security Federal Corporation pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 1.89%. See more information on Security Federal Corporation dividends here
What is Security Federal Corporation’s EPS estimate?
Security Federal Corporation’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Security Federal Corporation have?
Security Federal Corporation has 3,093,225 shares outstanding.
What happened to Security Federal Corporation’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Security Federal Corporation?
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
Security Federal Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.88%
12-Months-Change
Fundamentals
Return on Equity
1.89%
Trailing 12-Months
Asset Growth
2.65%
Trailing 12-Months
Company Description
Security Federal Corporation
Security Federal Corporation acts as the holding company for Security Federal Bank, offering a comprehensive array of financial products and services. The institution provides a variety of deposit options, including savings, checking, and money market accounts, alongside both fixed-rate and negotiated-rate jumbo certificates of deposit (CDs), and Individual Retirement Accounts (IRAs). Its lending solutions are diverse, encompassing commercial real estate, business, and consumer loans. It also extends mortgage loans for purchasing or refinancing single-to-four family residences, and offers construction financing for single-family homes, multi-family dwellings, and commercial real estate projects. Additionally, Security Federal finances the acquisition, development, and construction of residential subdivisions and commercial properties. Beyond its core banking operations, the corporation delivers trust services, financial planning, and wealth management. Furthermore, it runs an insurance agency that offers a full spectrum of coverage, including auto, business, life, health, and home insurance products, complemented by insurance premium financing services. The company also allocates its capital to various liquid assets, such as U.S. Treasury obligations, federal agency securities, certificates of deposit from insured institutions, mutual funds, bankers' acceptances, federal funds, commercial paper, and corporate debt securities. As of February 8, 2021, Security Federal Corporation maintained 17 full-service branch locations across several cities in South Carolina (Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Ridge Spring, Wagener, and West Columbia) and Georgia (Augusta and Evans). Founded in 1922, its corporate headquarters are located in Aiken, South Carolina.