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SFDL Stock Chart & Stats
$43.15
$0.00(0.00%)
At close: 4:00 PM EDT
$43.15
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$30.76 - $45.15
Previous CloseN/A
Volume17.00
Average Volume (3M)389.00
Market Cap
$136.10M
Enterprise Value$60.29
Total Cash (Recent Filing)$84.68M
Total Debt (Recent Filing)$26.11M
Price to Earnings (P/E)9.9
Beta0.17
Next Earnings
Nov 02, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.84%
Share Statistics
EPS (TTM)4.44
Shares Outstanding3,093,225
10 Day Avg. Volume533
30 Day Avg. Volume389
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
Revenue GrowthMulti-year re-acceleration to $90.1M in 2025 indicates durable demand and improving top-line momentum. A steady growth trend increases scale, supports fixed-cost absorption, and provides a more reliable base for reinvestment in products, branch/lending capacity, or technology over the next 2–6 months and beyond.
Margin ImprovementMaterial margin expansion in 2025 reflects better cost control or improving mix and supports sustainable earnings quality. Higher margins bolster free cash flow potential, enable continued dividends or strategic investment, and reduce sensitivity of profits to modest revenue swings over a multi-quarter horizon.
Lower LeverageA meaningful decline in debt-to-equity over several years strengthens solvency and financial flexibility. Lower leverage reduces refinancing and interest-rate risk, increases capacity for opportunistic lending or M&A, and supports resilience through economic cycles over the medium term.
Bears Say
Operating Cash Flow VolatilityA near-halving of operating cash flow in 2025 signals volatile cash conversion and raises questions about reliability of earnings-to-cash flow linkage. For a regional bank, unstable OCF can constrain lending capacity, dividend coverage, and capital deployment, making cash planning and stress testing more difficult over coming quarters.
Below-Peak ROESustained mid-single-digit ROE versus a previous ~11% peak indicates reduced capital efficiency. That gap suggests either lower margins, asset yield pressure, or higher capital allocations; it limits the bank's ability to generate shareholder returns internally and could necessitate strategic initiatives to restore longer-term profitability.
2025 Balance-sheet Data InconsistencyA material 2025 data inconsistency undermines confidence in leverage, liquidity, and capital metrics. Unclear balance-sheet reporting increases modeling risk, may conceal liabilities or misstatements, and requires validation or restatement before relying on 2025 figures for strategic or credit decisions over the next several months.
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 $30.76 and its highest was $45.15 in the past 12 months.
What is Security Federal Corporation’s market cap?
Security Federal Corporation’s market cap is $136.10M.
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 45 days.
How were Security Federal Corporation’s earnings last quarter?
Security Federal Corporation released its earnings results on Jul 31, 2026. The company reported $1.193 earnings per share for the quarter.
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 Monthly dividend of $0.18 which represents an annual dividend yield of 1.84%. 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?
Security Federal Corporation reported an EPS of $1.193 in its last earnings report. Following the earnings report the stock price went up 0.059%.
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
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.