Accessibility Menu
Security Federal logo

Security Federal(OTC) SFDL

Market Cap$128.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+170%
5 Year+48%
1 Year+38%
1 Month+10%
$41.67
+0.00%
+0.00Today
Security Federal last closing stock price
MetricPriceDate
Last closeUSD 41.672026-07-30
Security Federal stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.34%USD 41.812026-07-23
1 month+9.65%USD 38.002026-06-16
3 month+17.06%USD 35.602026-05-01
Year to date+26.13%USD 33.042025-12-31
1 year+37.62%USD 30.282025-07-29
3 year+78.95%USD 23.282023-07-28
5 year+47.86%USD 28.182021-07-23
Since inception+169.76%USD 15.452003-10-03

Security Federal Financials at a Glance

Market Cap

$128.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$90.59M

Net Income (TTM)

$14.18M

EPS (TTM)

$3.81

P/E Ratio

10.93

Dividend

$0.62

Beta (Volatility)

0.16 (Low)

Price

$41.67

Volume

50

Open

$41.60

Previous Close

$41.67

Daily Range

$41.60 - $41.67

52-Week Range

$30.48 - $41.81

Estimated Earnings Date

Apr 28, 2026

SFDL News

Foolcom-Featured.png

Security Federal (SFDL) Q2 EPS Jumps 14%

Motley Fool Markets TeamJul 31, 2025

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Security Federal

Security Federal helps people manage money, buy homes, and protect assets. Its banking and insurance services support families and small businesses. Customers use its loans and accounts for daily financial needs.

Products and Services

  • Deposit Accounts: Savings, checking, and retirement accounts for individuals and businesses (percentage of revenue not disclosed).
  • Lending: Commercial real estate loans (43% of loan portfolio), residential mortgages (32%), construction loans (9.7%), and consumer loans (3.5%).
  • Trust and Investment Services: Financial planning and trust management for individuals and organizations (percentage of revenue not disclosed).
  • Insurance: Auto, home, life, and business insurance, plus premium financing (percentage of revenue not disclosed).
  • Investment Activities: Investments in government securities, mutual funds, and corporate debt (percentage of revenue not disclosed).

Growth and Expansion

  • Received $82.9 million in capital from the U.S. Treasury’s ECIP program in 2025.
  • Purchased a multi-tenant property in 2025 for future branch expansion and rental income.
  • Expanded to 19 branches in South Carolina and Georgia by 2025.
  • Increased investment securities purchases to $228.3 million in 2025, up from $71.9 million in 2024.
  • Sold $39.8 million in residential loans in the secondary market in 2025.

What Makes Security Federal Stand Out

Security Federal is certified as a Community Development Financial Institution, focusing on underserved communities. Its capital strength exceeds regulatory minimums, supporting stability. The company combines traditional banking with insurance and investment services for a broad customer base.

Five Things You Need to Know

  • Total interest income and non-interest income were $90.1 million in 2025, up 2.9% from 2024.
  • Net income available to shareholders was $12.0 million in 2025, up 35.3% year-over-year.
  • Deposits reached $1.37 billion in 2025, a 3.6% increase from 2024.
  • Net interest margin rose to 3.13% in 2025, up from 2.85% in 2024.

Bottom Line

Security Federal has grown by expanding services and focusing on community lending. Its diversified offerings and strong capital position support long-term stability.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

258

CEO

J. Chris Verenes

Website

www.securityfederalbank.com

Headquarters

Aiken, SC 29801, US

SFDL Financials

Key Financial Metrics (TTM)

Gross Margin

66.92%

Operating Margin

19.78%

Net Income Margin

15.66%

Return on Equity

7.20%

Return on Capital

7.32%

Return on Assets

0.87%

Earnings Yield

9.15%

Dividend Yield

1.48%

Payout Ratio

20.98%

Stock Overview

Market Cap

$128.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

3.09M

Volume

50

Avg. Volume

321.556

Financials (TTM)

Gross Profit

$60.63M

Operating Income

$17.92M

EBITDA

$19.91M

Operating Cash Flow

$9.81M

Capital Expenditure

-$10.63M

Free Cash Flow

-$822.00K

Cash & ST Invst.

$0.00

Total Debt

$37.17M

Security Federal Performance Analysis

Security Federal annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 52,009,0008.3%
20232023-12-31USD 73,930,00042.1%
20242024-12-31USD 87,053,00017.8%
20252025-12-31USD 88,958,0002.2%
Security Federal sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-300.9%
Q32025-09-303.7%
Q42025-12-3112.4%
Q12026-03-31-13.2%
Security Federal annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.14-19.9%
20232023-12-31USD 3.14-0.2%
20242024-12-31USD 2.77-11.8%
20252025-12-31USD 3.8037.4%
Security Federal sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-7.4%
Q32025-09-3034.7%
Q42025-12-3122.8%
Q12026-03-31-19.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$21.75M

+2.1%

Gross Profit

$14.98M

+12.7%

Gross Margin

68.89%

N/A

Market Cap

$128.89MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$499.56K

N/A

Employees

258

N/A

Net Income

$3.52M

+16.9%

EBITDA

$4.42M

-1.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$0.00

-100.0%

Total Debt

$37.17M

-7.6%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$37.17M

-7.6%

Short Term Debt

$0.00

N/A

Return on Assets

0.87%

N/A

Return on Invested Capital

1.10%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

-100.0%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
MPCBMountain Pacific Bancorp Inc
$17.99+0.00%
CHBHCroghan Bancshares, Inc.
$68.40+0.06%
JFBCJeffersonville Bancorp
$27.94+1.05%
JDVBJD Bancshares, Inc.
$34.50+0.00%

Trending Stocks

Symbol / CompanyPricePrice Chg
NVDANvidia
$200.75+0.03%
AAPLApple
$308.91-0.07%
AMZNAmazon
$271.58+0.15%
INTCIntel
$90.20-0.01%

Questions About SFDL

What is the current price of Security Federal?

Security Federal is trading at $41.67 per share.

What is the 52-week range for Security Federal?

Over the past 52 weeks, Security Federal has traded between $30.48 and $41.81.

How much debt does Security Federal have?

As of the most recent reporting period, Security Federal reported total debt of $26.11M.

How much cash does Security Federal have on hand?

Security Federal does not have cash on hand data available.

What is Security Federal’s dividend yield?

Security Federal currently has a dividend yield of 1.48%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services