SECURITY FEDERAL CORP
SECURITY FEDERAL CORP
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Financial Statements
Values in Millions ($) | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Cash Equivalents At Carrying Value | 75 | 52 | 142 | 133 | 178 | 132 | 138 | 93 | 128 | 84 | 77 | 25 | |||||
Certificates Of Deposit At Carrying Value | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | |||||
Investments Debt And Equi… | |||||||||||||||||
Investments | |||||||||||||||||
Available For Sale Securities Debt Securities | - | - | - | 541 | 526 | 534 | 519 | 532 | 538 | 531 | 542 | 541 | |||||
Debt Securities Held To Maturity Amortized Cost Af… | - | - | - | 134 | 135 | 138 | 143 | 159 | 163 | 174 | 177 | - | |||||
Debt Securities Available For Sale Excluding Accru… | 663 | 674 | 588 | - | 526 | - | - | - | - | - | - | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | 113 | 115 | 119 | - | 135 | - | - | - | - | - | - | - | |||||
Investments | 776 | 789 | 708 | 675 | 661 | 672 | 662 | 692 | 701 | 706 | 719 | 721 | |||||
Notes Receivable Net | |||||||||||||||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 3 | 1 | 2 | 1 | 1 | 2 | 2 | 0 | 1 | 1 | 1 | 0 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 574 | |||||
Notes Receivable Net | - | - | - | 689 | 687 | 685 | 653 | 646 | 622 | 597 | 588 | 574 | |||||
Receivables | |||||||||||||||||
Accrued Interest After Al… | |||||||||||||||||
Financing Receivable Accrued Interest After Allowa… | - | - | - | - | - | - | - | - | - | 2 | 1 | - | |||||
Financing Receivable Excluding Accrued Interest Af… | 673 | 677 | 686 | - | 687 | - | - | - | - | - | - | - | |||||
Interest Receivable | 5 | 5 | 5 | 6 | 5 | 6 | 5 | 6 | 6 | 5 | 5 | 2 | |||||
Accrued Investment Income Receivable | - | - | - | - | - | - | - | - | - | - | - | 4 | |||||
Interest Receivable And Other Assets | - | - | - | - | - | - | - | - | - | - | - | 5 | |||||
Operating Lease Right Of Use Asset | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | |||||
Land Available For Sale | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Property Plant And Equipment Net | 33 | 33 | 33 | 34 | 29 | 30 | 30 | 30 | 29 | 29 | 29 | 29 | |||||
Federal Home Loan Bank Stock | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Other Real Estate And Foreclosed Assets | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Other Real Estate | 0 | 0 | - | - | 0 | - | - | - | 0 | 0 | 0 | - | |||||
Bank Owned Life Insurance | 34 | 34 | 29 | 29 | 29 | 28 | 28 | 28 | 28 | 28 | 28 | 27 | |||||
Goodwill | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Other Assets | 13 | 15 | 15 | 15 | 17 | 15 | 17 | 17 | 29 | 22 | 20 | 18 | |||||
Assets | 1,618 | 1,612 | 1,625 | 1,585 | 1,612 | 1,576 | 1,543 | 1,518 | 1,550 | 1,477 | 1,472 | 1,406 | |||||
Liabilities | |||||||||||||||||
Deposits | 1,372 | 1,365 | 1,383 | 1,346 | 1,324 | 1,257 | 1,236 | 1,206 | 1,195 | 1,186 | 1,179 | 1,109 | |||||
Federal Funds Purchased | 0 | 0 | 0 | 0 | 50 | 65 | 65 | 74 | 119 | 69 | 69 | 61 | |||||
Other Borrowings | 25 | 24 | 24 | 24 | 28 | 24 | 22 | 20 | 19 | 19 | 18 | 28 | |||||
Junior Subordinated Notes | 0 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Senior Notes | - | - | - | - | - | - | - | - | - | - | - | 27 | |||||
Subordinated Debt | 10 | 10 | 10 | 10 | 10 | 27 | 27 | 27 | 27 | 27 | 27 | - | |||||
Operating Lease Liability | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | |||||
Other Liabilities | 10 | 12 | 10 | 12 | 11 | 12 | 11 | 11 | 11 | 11 | 9 | 8 | |||||
Liabilities | 1,418 | 1,417 | 1,434 | 1,397 | 1,429 | 1,391 | 1,367 | 1,344 | 1,377 | 1,318 | 1,309 | 1,240 | |||||
Preferred Stock Value Outstanding | - | - | - | - | - | - | - | - | - | - | - | 83 | |||||
Common Stock Value Outstanding | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 83 | 83 | 83 | 83 | 83 | 83 | 83 | 83 | 83 | 83 | 83 | - | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
Additional Paid In Capital | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | |||||
Treasury Stock Value | -8 | -8 | -6 | -6 | -6 | -6 | -6 | -5 | -5 | -5 | -4 | -4 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -21 | -23 | -26 | -27 | -31 | -26 | -34 | -34 | -35 | -45 | -40 | -35 | |||||
Retained Earnings Accumulated Deficit | 128 | 125 | 122 | 120 | 118 | 116 | 114 | 112 | 111 | 108 | 106 | 105 | |||||
Stockholders Equity | 200 | 195 | 191 | 188 | 182 | 185 | 176 | 175 | 172 | 159 | 163 | 166 | |||||
Liabilities And Stockholders Equity | 1,618 | 1,612 | 1,625 | 1,585 | 1,612 | 1,576 | 1,543 | 1,518 | 1,550 | 1,477 | 1,472 | 1,406 | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | - | - | 0 | - | 0 | 0 | 0 | - | 0 | 0 | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | 0 | 0 | - | - | - | - | - | - | - | - | - | |||||
Held To Maturity Securities Fair Value | 111 | 113 | 116 | 131 | 131 | 136 | 138 | 155 | 159 | 167 | 171 | 176 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | 12 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | 14 | 14 | 14 | 13 | 13 | 13 | 12 | 12 | 12 | |||||
Financing Receivable Allowance For Credit Loss Exc… | 14 | 14 | 14 | - | 14 | 14 | 13 | - | - | - | - | - | |||||
Preferred Stock Par Or Stated Value Per Share | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | - | |||||
Preferred Stock Shares Authorized | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | - | |||||
Common Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Common Stock Shares Issued | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Shares Outstanding | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Treasury Stock Common Shares | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | -1.17% | -0.34% | 3.52% | 0.52% | 1.67% | 3.12% | 1.12% | 7.20% | 7.20% | -1.14% | 3.13% | 5.02% |
| 2024 | -1.34% | 1.50% | 3.86% | 13.85% | 12.14% | 12.56% | 2.33% | -1.32% | 9.64% | -1.31% | -3.91% | -0.01% |
| 2023 | 15.98% | 12.73% | 12.73% | -2.40% | -3.08% | -12.80% | 5.41% | 10.21% | 17.39% | -0.67% | -4.17% | -4.07% |
| 2022 | - | - | - | - | - | - | - | - | - | 0.00% | -12.55% | 1.43% |
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Performance and Valuation Metrics
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Metrics | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.63 | -0.66 | -0.67 | -0.68 | -0.26 | 0.22 | 0.75 | 1.37 | 1.48 | 1.63 | 2.01 | 2.76 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | - | 146,294.47 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | - | 0.00 | |||||
Per Share Metrics | |||||||||||||||||
| Free Cash Flow Per Share TTM | 2.79 | 3.64 | 3.33 | 3.59 | 8.00 | 4.43 | 4.24 | 4.74 | 1.85 | 5.15 | 4.84 | 5.40 | |||||
| Dividend Per Share TTM | 0.70 | 0.70 | 0.68 | 0.57 | 0.56 | 0.55 | 0.54 | 0.53 | 0.52 | 0.51 | 0.50 | 0.77 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -2,401.27% | -2,603.67% | -2,693.07% | -2,734.09% | -2,754.30% | -2,934.91% | -2,778.89% | -2,616.00% | -2,334.75% | -1,319.96% | -906.75% | -512.11% | |||||
| Operating Profit Margin TTM | 1,378.76% | 1,323.31% | 1,208.65% | 1,147.06% | 1,010.78% | 979.15% | 937.52% | 898.19% | 1,022.79% | 1,025.52% | 1,156.26% | 1,219.24% | |||||
| Net Profit Margin TTM | 1,087.75% | 1,009.54% | 914.27% | 868.27% | 788.98% | 757.50% | 762.72% | 730.42% | 835.25% | 699.92% | 800.46% | 846.60% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 1.13% | -3.08% | -3.77% | -3.39% | 1.89% | -10.16% | -7.01% | -5.37% | -87.51% | -92.54% | -95.15% | -96.35% | |||||
| Net Income Growth (1Y) | 39.42% | 29.17% | 15.35% | 14.85% | -3.76% | -2.77% | -11.40% | -18.36% | -0.37% | 9.99% | 5.62% | 1.87% | |||||
| EPS Growth (1Y) | 41.60% | 31.24% | 16.57% | 16.35% | -2.57% | -1.16% | -10.46% | -17.74% | -0.23% | 10.15% | 5.59% | 1.87% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 7.63 | 7.91 | 8.33 | 8.67 | 8.56 | 8.69 | 7.33 | 7.93 | 6.91 | 7.05 | 6.91 | 6.61 | |||||
| P/B TTM | 0.52 | 0.50 | 0.49 | 0.49 | 0.46 | 0.45 | 0.41 | 0.42 | 0.41 | 0.44 | 0.46 | 0.45 | |||||
| P/S TTM | 83.02 | 79.87 | 76.14 | 75.30 | 67.53 | 65.83 | 55.93 | 57.89 | 57.71 | 49.31 | 55.30 | 55.95 | |||||
| Market Cap | 104.36M | 97.99M | 93.35M | 92.32M | 83.94M | 83.34M | 71.25M | 73.46M | 70.41M | 69.49M | 75.76M | 75.02M | |||||
| Enterprise Value | 29.03M | 51.34M | -43.69M | -35.61M | -89.18M | -43.88M | -61.94M | -14.16M | -52.72M | -9.58M | 3.74M | 81.96M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 8.80M | 11.46M | 10.62M | 11.44M | 25.67M | 14.17M | 13.64M | 15.29M | 6.00M | 16.74M | 15.74M | 17.58M | |||||
| Net Debt | -75.34M | -46.65M | -137.04M | -127.93M | -173.12M | -127.22M | -133.20M | -87.62M | -123.13M | -79.07M | -72.02M | 6.94M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Altman E | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
SECURITY FEDERAL CORP (SFDL) — SEC Financial Statements & Analysis
SECURITY FEDERAL CORP (SFDL) is a state commercial banks company, incorporated in SC. SECURITY FEDERAL CORP trades on OTC as: SFDL. Based on its latest SEC filing (Form 10-Q, period ending 2025-12-31), SECURITY FEDERAL CORP reported a 1.13% year-over-year revenue growth, a Gross Profit Margin of -2401.27% (TTM), a Price-to-Sales (P/S) ratio of 83.02x (TTM), a Price-to-Book (P/B) ratio of 0.52x (TTM), at a market cap of $104.36M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 1.13%
- Gross Profit Margin TTM
- -2401.27%
- P/S TTM
- 83.02x
- P/B TTM
- 0.52x
- Market Cap
- $104.36M
Data as of 2025-12-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is SECURITY FEDERAL CORP in?
SECURITY FEDERAL CORP (SFDL) operates in the State Commercial Banks industry.
What is SFDL's market cap?
SECURITY FEDERAL CORP (SFDL) has a market capitalization of $104.36M as of 2025-12-31.
What is SFDL's P/E ratio?
SECURITY FEDERAL CORP (SFDL)'s trailing twelve month P/E ratio is 7.63x as of 2025-12-31.
What exchange does SFDL trade on?
SECURITY FEDERAL CORP (SFDL) trades on the OTC.
Where is SECURITY FEDERAL CORP incorporated?
SECURITY FEDERAL CORP is incorporated in SC.