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SECURITY FEDERAL CORP SFDL

OTC · stock · State Commercial Banks · website · IPO 2003-10-09

SECURITY FEDERAL CORP statistics & valuation

Market cap$117.5M
P / E8.6×
P / B0.6×
P / FCF13.4×
Dividend yield1.88%
Return on equity6.8%

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.30% 7.60% 9.00% 8.50% 6.30% 11.10% 6.40% 5.90% 5.40% 6.80% 2016201720182019202020212022202320242025
Shares outstanding
3.2M 3.3M 3.3M 3.3M 3.3M 3.3M 3.3M 3.2M 3.2M 3.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.70% 0.80% 0.80% 0.60% 1.00% 0.70% 0.70% 0.60% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.99 $1.91 $2.32 $2.50 $2.19 $3.93 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SECURITY FEDERAL CORP trades at about 11.1× earnings — below its 10-year norm (10-year range 8.3×–16.8×, median 12.9×).

8.3× 16.8×

Shaded band = 10-year range (8.3×–16.8×); dot = today's 11.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.8%0.6%0.7%0.7%1.0%0.6%0.8%0.8%0.7%0.7%
Return on equity6.8%5.4%5.9%6.4%11.1%6.3%8.5%9.0%7.6%8.3%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.