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SECURITY FEDERAL CORP SFDL
SECURITY FEDERAL CORP (SFDL) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.88% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1130 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SFDL | SECURITY FEDERAL CORP | 5/9 | — | 8.6 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About SECURITY FEDERAL CORP
Security Federal Corporation operates as the bank holding company for Security Federal Bank that provides various banking products and services. It provides various deposit products, such as savings and checking accounts, money market accounts, fixed interest rate certificates with varying maturities, and individual retirement accounts. The company offers real estate loans comprising commercial real estate loans secured by non-residential commercial properties, churches, hotels, residential developments, and multi-family dwellings; one-to-four family residential real estate loans; and construction loans and loans for the acquisition, development, and construction of residential subdivisions and commercial projects. In addition, it provides commercial and agricultural business loans secured by business equipment, furniture and fixtures, inventory, and receivables, or unsecured; and consumer loans including home improvements, residential lots, mortgage, automobiles, boats, mobile homes, recreational vehicles, and education. The company offers trust, financial planning, and financial management services; and insurance agency services, such as auto, business, and home insurance. Additionally, it invests in various types of liquid assets, including U.S. Treasury obligations and securities of various federal agencies, certificates of deposit at insured institutions, mutual funds, bankers' acceptances, and federal funds, as well as commercial paper and corporate debt securities. It through branch offices in Aiken, Lexington, Richland counties in South Carolina and Columbia; and Richmond counties in Georgia. The company was founded in 1922 and is headquartered in Aiken, South Carolina.
FAQ
Is SFDL financially healthy?
SECURITY FEDERAL CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does SFDL pay a dividend, and is it safe?
Yes. SECURITY FEDERAL CORP pays a dividend yielding about 1.88% with a 16.2% payout ratio, rated “safe” for safety.
How profitable is SFDL?
In FY2025, SECURITY FEDERAL CORP had a return on equity of 6.8%.
Is SFDL overvalued or undervalued?
SECURITY FEDERAL CORP trades at about 11.1× trailing earnings — below its 10-year norm (10-year range 8.3×–16.8×, median 12.9×). Stocktoria reports the data, not buy/sell advice.
Is SFDL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SECURITY FEDERAL CORP: a Piotroski F-score of 5/9, a P/E of about 8.6×, a dividend yield of 1.88%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.