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Security Federal (SFDL) AI Stock Analysis
Security Federal
(Other OTC:SFDL)
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.
Security Federal (SFDL) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $144.92M
- Dividend Yield
- 2.13%
- Average Volume (3M)
- 3,146
- Price to Earnings (P/E)
- 10.6
- Beta (1Y)
- 0.16
- Revenue Growth
- 2.01%
- EPS Growth
- 42.26%
- Country
- US
- Employees
- 258
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 marke...
How the Company Makes Money
Security Federal primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and interest paid on funding sources such as customer deposi...
Security Federal Financial Statement Overview
Summary
Income statement strength (re-accelerating revenue growth into 2025 and improved net/EBIT margins vs 2024) is offset by balance-sheet and cash-flow concerns: ROE remains mid-single-digits below prior-cycle highs, operating cash flow fell sharply in 2025 vs 2024, and a noted 2025 balance-sheet data inconsistency reduces confidence in the latest leverage snapshot.
Income Statement
72PositiveBalance Sheet
58NeutralCash Flow
63Positive| 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
Price Trends
Market Momentum
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 47.87 is above the 20-day moving average (MA) of 46.10, above the 50-day MA of 44.77, and above the 200-day MA of 38.66, indicating a bullish trend. The MACD of 0.70 indicates Negative momentum. The RSI at 68.10 is Neutral, neither overbought nor oversold. The STOCH value of 86.49 is Negative, 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.
Latest Risks Added
1 New RiskSecurity Federal Peers Comparison
Overall Rating
AUBN77Outperform
LSBK75Outperform- SFDL72Outperform
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AUBN | 77Outperform | $90.59M | 10.44 | 9.42% | 4.15% | -1.64% | 21.56% |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| SFDL | 72Outperform | $148.06M | 10.55 | 7.73% | 2.13% | 2.01% | 42.26% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SFDL | Security Federal Corporation | 47.87 | 17.28 | 56.49% | |
| AUBN | Auburn National Bancorporation | 26.00 | 1.56 | 6.40% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| PBHC | Pathfinder | 17.00 | 2.32 | 15.77% |
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: Aug 06, 2026