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Security Federal
(OTC:SFDL)
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Rating:72Outperform
Price Target:
$47.00
â–²(8.92% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by strong technicals (price above key moving averages with positive MACD and healthy momentum) and a supportive valuation (low-to-moderate P/E with a dividend). Financial performance is constructive but tempered by operating cash-flow volatility and a flagged 2025 balance-sheet data inconsistency that adds uncertainty.
Positive Factors
Revenue Growth
Multi-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.
Negative Factors
Operating Cash Flow Volatility
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Multi-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.
Read all positive factors
Security Federal (SFDL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$133.47M
Dividend Yield1.85%
Average Volume (3M)234.00
Price to Earnings (P/E)9.7
Beta (1Y)0.15
Revenue Growth2.01%
EPS Growth42.26%
CountryUS
Employees258
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.44
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
Security Federal Business Overview & Revenue Model
Company Description
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 ma...
How the Company Makes Money
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Security Federal Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 91.23M | 90.14M | 85.99M | 72.93M | 50.92M | 48.55M |
| Gross Profit | 62.75M | 58.93M | 49.15M | 46.96M | 45.90M | 47.13M |
| EBITDA | 20.63M | 22.64M | 15.11M | 15.08M | 15.29M | 18.62M |
| Net Income | 15.50M | 13.67M | 9.81M | 10.19M | 10.23M | 12.77M |
Balance Sheet | ||||||
| Total Assets | 1.60B | 1.62B | 1.61B | 1.55B | 1.38B | 1.30B |
| Cash, Cash Equivalents and Short-Term Investments | 84.68M | 66.42M | 259.05M | 177.77M | 579.75M | 711.57M |
| Total Debt | 26.11M | 36.31M | 43.92M | 52.28M | 61.15M | 64.23M |
| Total Liabilities | 1.40B | 1.42B | 1.43B | 1.38B | 1.22B | 1.19B |
| Stockholders Equity | 205.22M | 200.46M | 182.39M | 172.36M | 160.23M | 115.52M |
Cash Flow | ||||||
| Free Cash Flow | -1.46M | 8.80M | 25.67M | 6.00M | 17.18M | 17.13M |
| Operating Cash Flow | 8.80M | 14.38M | 28.43M | 8.86M | 21.87M | 19.28M |
| Investing Cash Flow | -56.01M | -101.26M | -26.68M | -58.48M | -136.97M | -136.09M |
| Financing Cash Flow | -19.65M | -16.06M | 48.24M | 149.41M | 115.98M | 126.40M |
Security Federal Technical Analysis
Positive
43.15
Price Trends
41.16
Positive
38.65
Positive
35.88
Positive
Market Momentum
0.58
Positive
58.21
Neutral
60.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFDL, the sentiment is Positive. The current price of 43.15 is above the 20-day moving average (MA) of 42.77, above the 50-day MA of 41.16, and above the 200-day MA of 35.88, indicating a bullish trend. The MACD of 0.58 indicates Positive momentum. The RSI at 58.21 is Neutral, neither overbought nor oversold. The STOCH value of 60.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFDL.
Security Federal Risk Analysis
Security Federal disclosed 23 risk factors in its most recent earnings report. Security Federal reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Security Federal Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $92.72M | 10.92 | 9.10% | 4.06% | 4.58% | 26.05% | |
76 Outperform | $135.09M | 15.33 | 6.50% | 2.09% | 5.96% | 49.37% | |
72 Outperform | $133.47M | 9.72 | 7.20% | 1.90% | 2.01% | 42.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $103.60M | -25.79 | -1.08% | 2.50% | -7.07% | -307.72% |
* Financial Sector Average
SFDL
Security Federal
43.15
12.48
40.67%
AUBN
Auburn National Bancorporation
26.32
1.59
6.41%
LSBK
Lake Shore Bancorp
17.17
4.04
30.77%
PBHC
Pathfinder Bancorp
16.32
1.80
12.40%
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.