SFDL

Security Federal Corporation

USD

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Price alert · SFDL

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46.85 USD 0.00 0.00%
As of Oct 30, 2026
46.75 Day range 47.00
31.00 52-week range 47.14
YTD
+39.85%
1 year
+49.01%
Open
47.00
Prev close
46.85
Mkt cap
144.92M
Vol
300
Avg vol
1.98K
EPS
3.77
P/E
12.43
More statistics
Low
46.75
High
47.00

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Financial health

Altman Z-Score

0.16 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 8.8×
FY 2016: 16.7×FY 2017: 15.6×FY 2018: 12.2×FY 2019: 13.3×FY 2020: 11.8×FY 2021: 8.1×FY 2022: 8.1×FY 2023: 7.3×FY 2024: 9.8×FY 2025: 8.8×
FY 2016 5y median 8.1× FY 2025
P/S 1.2×
FY 2016: 3.0×FY 2017: 2.5×FY 2018: 2.1×FY 2019: 2.3×FY 2020: 1.7×FY 2021: 2.1×FY 2022: 1.6×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/B 0.5×
FY 2016: 1.5×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
P/FCF 12.0×
FY 2016: 11.6×FY 2017: 8.8×FY 2018: 7.5×FY 2019: 13.6×FY 2020: 10.2×FY 2021: 6.1×FY 2022: 4.8×FY 2023: 12.4×FY 2024: 3.4×FY 2025: 12.0×
FY 2016 5y median 6.1× FY 2025
EV/EBITDA 5.7×
FY 2016: 18.8×FY 2017: 16.6×FY 2018: 12.9×FY 2019: 16.1×FY 2020: 13.8×FY 2021: 7.5×FY 2022: 7.5×FY 2023: -0.2×FY 2024: -3.2×FY 2025: 5.7×
FY 2016 5y median 5.7× FY 2025
EV/Sales 1.4×
FY 2016: 5.0×FY 2017: 4.4×FY 2018: 3.2×FY 2019: 4.1×FY 2020: 3.2×FY 2021: 2.9×FY 2022: 2.2×FY 2023: -0.1×FY 2024: -0.6×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
FCF Yield 8.4%
FY 2016: 8.6%FY 2017: 11.4%FY 2018: 13.3%FY 2019: 7.4%FY 2020: 9.8%FY 2021: 16.5%FY 2022: 20.8%FY 2023: 8.0%FY 2024: 29.5%FY 2025: 8.4%
FY 2016 5y median 16.5% FY 2025

Profitability

Gross Margin 65.4%
FY 2016: 88.5%FY 2017: 87.9%FY 2018: 84.5%FY 2019: 80.7%FY 2020: 78.5%FY 2021: 97.1%FY 2022: 90.1%FY 2023: 64.4%FY 2024: 57.1%FY 2025: 65.4%
FY 2016 5y median 65.4% FY 2025
Operating Margin 19.2%
FY 2016: 22.6%FY 2017: 22.5%FY 2018: 21.4%FY 2019: 21.0%FY 2020: 18.2%FY 2021: 33.5%FY 2022: 25.4%FY 2023: 17.1%FY 2024: 14.6%FY 2025: 19.2%
FY 2016 5y median 19.2% FY 2025
Net Margin 15.2%
FY 2016: 17.0%FY 2017: 15.9%FY 2018: 17.5%FY 2019: 17.3%FY 2020: 14.9%FY 2021: 26.3%FY 2022: 20.1%FY 2023: 14.0%FY 2024: 11.4%FY 2025: 15.2%
FY 2016 5y median 15.2% FY 2025
ROE 6.8%
FY 2016: 8.3%FY 2017: 7.6%FY 2018: 9.0%FY 2019: 8.5%FY 2020: 6.3%FY 2021: 11.1%FY 2022: 6.4%FY 2023: 5.9%FY 2024: 5.4%FY 2025: 6.8%
FY 2016 5y median 6.4% FY 2025
ROIC 0.8%
FY 2016: 3.7%FY 2017: 3.6%FY 2018: 5.0%FY 2019: 4.1%FY 2020: 2.8%FY 2021: 6.9%FY 2022: 3.8%FY 2023: 2.9%FY 2024: 3.4%FY 2025: 0.8%
FY 2016 5y median 3.4% FY 2025
ROA 0.8%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.8%FY 2019: 0.8%FY 2020: 0.6%FY 2021: 1.0%FY 2022: 0.7%FY 2023: 0.7%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 4.8%
FY 2016: -0.4%FY 2017: 6.7%FY 2018: 10.7%FY 2019: 9.8%FY 2020: 5.2%FY 2021: 2.3%FY 2022: 4.9%FY 2023: 43.2%FY 2024: 17.9%FY 2025: 4.8%
FY 2016 FY 2025
Operating Income 37.9%
FY 2016: -4.1%FY 2017: 6.5%FY 2018: 5.1%FY 2019: 7.9%FY 2020: -8.9%FY 2021: 88.7%FY 2022: -20.5%FY 2023: -3.5%FY 2024: 0.7%FY 2025: 37.9%
FY 2016 FY 2025
EPS (diluted) 37.9%
FY 2016: 8.2%FY 2017: -4.0%FY 2018: 15.7%FY 2019: 13.1%FY 2020: -12.4%FY 2021: 79.5%FY 2022: -20.1%FY 2023: 0.0%FY 2024: -11.8%FY 2025: 37.9%
FY 2016 FY 2025
Free Cash Flow -65.7%
FY 2016: 51.7%FY 2017: 18.0%FY 2018: 10.8%FY 2019: -34.4%FY 2020: 6.3%FY 2021: 111.1%FY 2022: 0.3%FY 2023: -65.1%FY 2024: 327.5%FY 2025: -65.7%
FY 2016 FY 2025

Financial Health

Current Ratio 3.1×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.6×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 3.1×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 3.1×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.6×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 3.1×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.2×
FY 2016: 1.2×FY 2017: 1.1×FY 2018: 0.7×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: 7.6×FY 2017: 7.2×FY 2018: 4.3×FY 2019: 7.0×FY 2020: 6.2×FY 2021: 1.9×FY 2022: 2.1×FY 2023: -5.2×FY 2024: -9.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Interest Coverage 0.6×
FY 2016: 2.2×FY 2017: 2.0×FY 2018: 1.6×FY 2019: 1.1×FY 2020: 1.3×FY 2021: 4.3×FY 2022: 2.6×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 1.3%FY 2017: 1.2%FY 2018: 1.2%FY 2019: 1.1%FY 2020: 1.6%FY 2021: 1.4%FY 2022: 3.0%FY 2023: 2.3%FY 2024: 3.1%FY 2025: 2.1%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 16.2%
FY 2016: 23.0%FY 2017: 17.9%FY 2018: 14.8%FY 2019: 14.4%FY 2020: 18.5%FY 2021: 11.2%FY 2022: 24.2%FY 2023: 16.6%FY 2024: 27.8%FY 2025: 16.2%
FY 2016 5y median 16.6% FY 2025

Annual · latest fiscal year ends 2025-12-31