Financial Services
Security Federal Corporation(SFDL)
Live Price
Offline$37.50
-0.87% today
1Y Change
+26.05%
Window
Jun 23, 2025 โ Jun 12, 2026
- Market Cap
- $110.00M
- Revenue Growth
- +4.8%
- EPS Growth
- +37.9%
- Dividend Yield
- 2.2%
Coverage: 245 bars ยท Jun 23, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Security Federal Corporation (SFDL) is a Financial Services stock with a market cap of $110.00M and listed on OTC. The stock last traded around $37.50 and up 26.1% across the available one-year price window (Jun 23, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of +4.8%, EPS growth of +37.9%, a dividend yield of 2.2%. What stands out right now is revenue +4.8%, EPS +37.9%, free cash flow -65.7% with operating margin 19.8% and ROIC 0.9%. The dividend is present but secondary, with a yield around 2.2%. Valuation is more restrained than many high-expectation growth names at P/E 7.8 and price/sales 1.2. Stock Foundry combines SFDL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.8% vs +3.4% peer median
Operating Margin
Above sector median
+19.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 28, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.8% and EPS at +37.9%, with operating margin around 19.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.2%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.2% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 28, 2026 | โ | +0.0% | +2.6% | +5.5% |
2026 Jan 30, 2026 | โ | +1.4% | +1.0% | +7.5% |
2025 Oct 29, 2025 | โ | +0.0% | -0.1% | +0.2% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SFDL
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
SFDL Max Drawdown
-5.71%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SFDL and SPY.
Company Overview
Security Federal Corporation
Other OTC
Security Federal Corporation operates as the bank holding company for Security Federal Bank that provides various banking products and services. It accepts various deposit products, such as savings accounts, checking accounts, various money market accounts, fixed interest rate certificates, negotiated rate jumbo certificates of deposit, and individual retirement accounts. The company also originates commercial real estate loans, commercial business loans, and consumer loans, as well as mortgage loans to buy or refinance one-to-four family residential real estate; and construction loans on single-family residences, multi-family dwellings and projects, and commercial real estate. In addition, it provides loans for the acquisition, development, and construction of residential subdivisions and commercial projects. Further, the company offers trust, financial planning, and financial management services; and operates an insurance agency that offers auto, business, life, health, and home insurance products, as well as provides insurance premium financing services. 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. As of February 8, 2021, the company operated 17 full-service branch offices in Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Ridge Spring, Wagener, and West Columbia, South Carolina; and Augusta and Evans, Georgia. Security Federal Corporation was founded in 1922 and is headquartered in Aiken, South Carolina.
- Leadership
- J. Chris Verenes
- IPO Date
- Oct 9, 2003
- Employees
- 258
- Street Address
- 238 Richland Avenue NW
- Mailing
- Aiken, SC, 29801
- Region
- Aiken, SC, US
- Reporting Currency
- USD
- Investor Line
- 803 641 3000
- Last Updated
- May 4, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.8
- EV/EBITDA
- 6.8
- Price/Sales
- 1.2
- Price/Book
- 0.6
Growth
- Revenue
- +4.8%
- EPS
- +37.9%
- Free Cash Flow
- -65.7%
Profitability
- Gross Margin
- 66.9%
- Operating Margin
- 19.8%
- Net Margin
- 15.7%
- ROE
- 7.3%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 0.18
- Current Ratio
- 3.12
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.