SECURITY FEDERAL CORP (SFDL)
State Commercial Banks · State Commercial Banks · OTC
$43.53
+0.88%
Investru Score
56.2 / 100
Good
Why is SFDL moving?
SFDL is up 0.88% today, in line with its broader uptrend.
Business overview
- The company operates in the state commercial banks sector with a market capitalization of $134,507,700.
These characteristics show that Security Federal Corp is a smaller financial institution focused on traditional banking services within its regional market.
Bull case
The company's clean debt-free balance sheet combined with strong long-term technical momentum and healthy operating margins could attract investors seeking stable regional banking exposure. If broader economic conditions remain favorable, the moderate P/E ratio of 14.35 offers a reasonable entry point for value-oriented participants.
Bear case
A low return on equity of 4.7% and missing growth metrics suggest the business may struggle to accelerate shareholder value creation over the long term. Any localized economic stress or credit deterioration could quickly pressure profitability and stall the current stock uptrend.
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Score breakdown
- Financial Quality
- 42
- Growth
- 50
- Profitability
- 50
- Balance Sheet
- 65
- Valuation
- 65
- Momentum
- 87
Financial quality
- Return on invested capital stands at 4.7%.
- Return on equity is 4.7%.
- Earnings quality is reported at 1.23.
These returns indicate modest capital efficiency, though the positive earnings quality suggests earnings are reasonably well-backed by actual financial performance.
- ROIC
- 4.7%
- ROE
- 4.7%
- FCF Margin
- Data unavailable
- Free Cash Flow (TTM)
- Data unavailable
- Earnings Quality (OCF ÷ Net Income)
- 1.2x
Valuation
- Price-to-earnings ratio is 14.35.
- Price-to-sales ratio is 2.92.
- Forward P/E is unavailable.
- Trailing PEG is unavailable.
- Forward PEG is unavailable.
- Median PEG is unavailable.
- EV-to-EBITDA is unavailable.
- Free cash flow yield is unavailable.
These available valuation multiples suggest the stock is priced moderately relative to its earnings and sales, though the absence of forward-looking metrics limits a complete valuation assessment.
- P/E (TTM)
- 14.3x
- Forward P/E
- Data unavailable
- PEG (P/E ÷ EPS Growth)
- Data unavailable
- Company Median PEG
- Data unavailable
- Price / Sales
- 2.9x
- EV / EBITDA
- Data unavailable
- FCF Yield
- Data unavailable
Key risks
- The absence of historical revenue and earnings growth data creates uncertainty regarding long-term business expansion.(Probability: High · Impact: Medium)
- A modest return on equity of 4.7% limits the pace at which internal capital can compound.(Probability: High · Impact: Medium)
- A regional bank focus leaves the business vulnerable to local economic downturns or real estate market shifts.(Probability: Medium · Impact: High)
SEC filings
- 10-K · FY26 · period ended 2026-08-29Filed 2026-08-29
Event filings (8-K) aren't covered by this page's data source yet — only 10-K/10-Q are shown above.
Market cap $134,507,700 · 52-week range $30.65–$43.85 · market data as of Aug 28, 2026, 4:00 PM ET
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Analyze SFDL with Investru AINot investment advice. Investru AI summarizes public data and AI-generated analysis for informational purposes only.