SFDL
Security Federal Corporation
Price Chart
Latest Quote
$37.50
-0.33 (-0.87%)
Current Price
| Previous Close | $37.83 |
| Open | $37.50 |
| Day High | $37.50 |
| Day Low | $37.50 |
| Volume | 1 |
Stock Information
| Quarterly Dividend / Yield | $0.64 / 1.71% |
| Shares Outstanding | 3.09M |
| Quarterly Dividend Yield | 1.71% |
| Quarterly Dividend | $0.64 |
| Total Debt | $37.17M |
| Cash Equivalents | $112.71M |
| Revenue | $60.24M |
| Net Income | $12.52M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $116.00M |
| P/E Ratio | 9.87 |
| EPS (TTM) | $3.80 |
| Exchange | OID |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $123.66M |
| Sales | $60.24M |
| Income | $12.52M |
| Book/sh | $38.38 |
| Cash/sh | $36.44 |
| Employees | 258 |
Financial Ratios
| EPS Growth TTM | 16.90% |
Returns & Margins
| ROA | 0.88% |
| ROE | 7.27% |
| Operating Margin | 29.51% |
| Profit Margin | 23.54% |
Ownership
| Insider Ownership | 47.05% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.93 |
| P/B | 0.98 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $nan |
| SMA50 | $nan |
| SMA200 | $nan |
| RSI | 64.22 |
| ATR | nan |
| Shares Float | 1.64M |
| Volatility | 0.43 |
| Rel Volume | 0.00 |
Performance History
| Week | nan% |
| Month | nan% |
| Quarter | nan% |
| 6 Months | nan% |
| YTD | nan% |
| Year | nan% |
| 3 Years | nan% |
| 5 Years | nan% |
| 10 Years | nan% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-15 | $nan | 1 |
| 2026-06-12 | $37.50 | 800 |
| 2026-06-11 | $37.83 | 0 |
| 2026-06-10 | $37.83 | 800 |
| 2026-06-09 | $36.50 | 0 |
| 2026-06-08 | $36.50 | 0 |
| 2026-06-05 | $36.50 | 0 |
| 2026-06-04 | $36.50 | 0 |
| 2026-06-03 | $36.50 | 1,600 |
| 2026-06-02 | $36.50 | 3,200 |
| 2026-06-01 | $36.50 | 600 |
| 2026-05-29 | $37.00 | 100 |
| 2026-05-28 | $36.84 | 0 |
| 2026-05-27 | $36.84 | 0 |
| 2026-05-26 | $36.84 | 0 |
| 2026-05-22 | $36.84 | 0 |
| 2026-05-21 | $36.84 | 0 |
| 2026-05-20 | $36.84 | 0 |
| 2026-05-19 | $36.84 | 0 |
| 2026-05-18 | $36.84 | 600 |
About Security Federal Corporation
Security Federal Corporation operates as the bank holding company for Security Federal Bank that provides various banking products and services. It provides various deposit products, such as savings and checking accounts, money market accounts, fixed interest rate certificates with varying maturities, and individual retirement accounts. The company offers real estate loans comprising commercial real estate loans secured by non-residential commercial properties, churches, hotels, residential developments, and multi-family dwellings; one-to-four family residential real estate loans; and construction loans and loans for the acquisition, development, and construction of residential subdivisions and commercial projects. In addition, it provides commercial and agricultural business loans secured by business equipment, furniture and fixtures, inventory, and receivables, or unsecured; and consumer loans including home improvements, residential lots, mortgage, automobiles, boats, mobile homes, recreational vehicles, and education. The company offers trust, financial planning, and financial management services; and insurance agency services, such as auto, business, and home insurance. 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. It through branch offices in Aiken, Lexington, Richland counties in South Carolina and Columbia; and Richmond counties in Georgia. The company was founded in 1922 and is headquartered in Aiken, South Carolina.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $50,515,000 | $47,204,000 | $45,895,000 | $44,728,000 |
| Operating Revenue | $50,515,000 | $47,204,000 | $45,895,000 | $44,728,000 |
| Expenses | ||||
| Interest Expense | $35,479,000 | $25,729,000 | $5,028,000 | $3,824,000 |
| Selling And Marketing Expense | $1,001,000 | $980,000 | $988,000 | $1,120,000 |
| General And Administrative Expense | $22,504,000 | $20,934,000 | $20,425,000 | $19,451,000 |
| Professional Expense And Contract Services Expense | $658,000 | $746,000 | $705,000 | $1,202,000 |
| Other Non Interest Expense | $7,437,000 | $6,710,000 | $5,305,000 | $3,317,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $9,807,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Net Interest Income | $41,827,000 | $39,248,000 | $37,550,000 | $33,293,000 |
| Interest Income | $77,306,000 | $64,977,000 | $42,578,000 | $37,117,000 |
| Normalized Income | $9,807,000 | $10,190,000 | $10,570,503 | $12,774,000 |
| Net Income From Continuing And Discontinued Operation | $9,807,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Net Income Common Stockholders | $8,881,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Net Income | $9,807,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Net Income Including Noncontrolling Interests | $9,807,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Net Income Continuous Operations | $9,807,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Pretax Income | $12,564,000 | $12,478,000 | $12,937,000 | $16,283,000 |
| Depreciation Amortization Depletion Income Statement | $1,685,000 | $1,935,000 | $2,291,000 | $3,137,000 |
| Depreciation And Amortization In Income Statement | $1,685,000 | $1,935,000 | $2,291,000 | $3,137,000 |
| Depreciation Income Statement | $1,685,000 | $1,935,000 | $2,291,000 | $3,137,000 |
| Special Income Charges | - | $0 | $-433,000 | $0 |
| Per Share | ||||
| Diluted EPS | $2.77 | $3.14 | $3.14 | $3.93 |
| Basic EPS | $2.77 | $3.14 | $3.14 | $3.93 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $-90,497 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,545,000 | $2,604,000 | $2,357,000 | $2,340,000 |
| Diluted Average Shares | $3,206,137 | $3,245,223 | $3,257,325 | $3,250,382 |
| Basic Average Shares | $3,206,137 | $3,245,223 | $3,257,325 | $3,250,382 |
| Diluted NI Availto Com Stockholders | $8,881,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Preferred Stock Dividends | $926,000 | - | - | - |
| Tax Provision | $2,757,000 | $2,288,000 | $2,709,000 | $3,509,000 |
| Gain On Sale Of Security | $37,000 | $0 | $-2,000 | $0 |
| Selling General And Administration | $23,505,000 | $21,914,000 | $21,413,000 | $20,571,000 |
| Insurance And Claims | $705,000 | $621,000 | $375,000 | $291,000 |
| Salaries And Wages | $21,799,000 | $20,313,000 | $20,050,000 | $19,160,000 |
| Occupancy And Equipment | $3,296,000 | $3,175,000 | $2,811,000 | $2,622,000 |
| Total Unusual Items | - | $0 | $-433,000 | $0 |
| Total Unusual Items Excluding Goodwill | - | $0 | $-433,000 | $0 |
| Impairment Of Capital Assets | - | $0 | $433,000 | $0 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $181,189,000 | $171,162,000 | $159,033,000 | $114,323,000 |
| Total Assets | $1,611,773,000 | $1,549,671,000 | $1,381,366,000 | $1,301,214,000 |
| Goodwill And Other Intangible Assets | $1,200,000 | $1,200,000 | $1,200,000 | $1,200,000 |
| Receivables | $5,374,000 | $5,512,000 | $4,811,000 | $3,752,000 |
| Accounts Receivable | $5,374,000 | $5,512,000 | $4,811,000 | $3,752,000 |
| Cash And Cash Equivalents | $179,527,000 | $130,634,000 | $29,602,000 | $28,723,000 |
| Cash Cash Equivalents And Federal Funds Sold | $179,527,000 | $130,634,000 | $29,602,000 | $28,723,000 |
| Debt | ||||
| Total Debt | $43,923,000 | $52,277,000 | $61,147,000 | $64,233,000 |
| Long Term Debt And Capital Lease Obligation | $43,923,000 | $52,277,000 | $61,147,000 | $64,233,000 |
| Long Term Debt | $42,964,000 | $50,835,000 | $59,243,000 | $61,940,000 |
| Net Debt | - | - | $29,641,000 | $33,217,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,429,384,000 | $1,377,309,000 | $1,221,133,000 | $1,185,691,000 |
| Equity | ||||
| Common Stock Equity | $182,389,000 | $172,362,000 | $160,233,000 | $115,523,000 |
| Total Equity Gross Minority Interest | $182,389,000 | $172,362,000 | $160,233,000 | $115,523,000 |
| Stockholders Equity | $182,389,000 | $172,362,000 | $160,233,000 | $115,523,000 |
| Other Equity Interest | $82,949,000 | $82,949,000 | $82,949,000 | - |
| Gains Losses Not Affecting Retained Earnings | $-31,105,000 | $-35,050,000 | $-40,779,000 | $5,216,000 |
| Other Equity Adjustments | $-31,105,000 | $-35,050,000 | $-40,779,000 | $5,216,000 |
| Retained Earnings | $118,138,000 | $111,054,000 | $104,129,000 | $96,373,000 |
| Other | ||||
| Treasury Shares Number | $271,479 | $227,359 | $200,933 | $200,933 |
| Ordinary Shares Number | $3,186,571 | $3,228,777 | $3,252,884 | $3,252,884 |
| Share Issued | $3,458,050 | $3,456,136 | $3,453,817 | $3,453,817 |
| Tangible Book Value | $181,189,000 | $171,162,000 | $159,033,000 | $114,323,000 |
| Invested Capital | $225,353,000 | $223,197,000 | $219,476,000 | $177,463,000 |
| Capital Lease Obligations | $959,000 | $1,442,000 | $1,904,000 | $2,293,000 |
| Total Capitalization | $225,353,000 | $223,197,000 | $219,476,000 | $177,463,000 |
| Treasury Stock | $5,964,000 | $4,913,000 | $4,331,000 | $4,331,000 |
| Additional Paid In Capital | $18,336,000 | $18,287,000 | $18,230,000 | $18,230,000 |
| Capital Stock | $35,000 | $35,000 | $35,000 | $35,000 |
| Common Stock | $35,000 | $35,000 | $35,000 | $35,000 |
| Long Term Capital Lease Obligation | $959,000 | $1,442,000 | $1,904,000 | $2,293,000 |
| Investments And Advances | $120,623,000 | $102,712,000 | $717,586,000 | $706,356,000 |
| Held To Maturity Securities | $41,100,000 | $55,572,000 | $167,438,000 | $23,507,000 |
| Goodwill | $1,200,000 | $1,200,000 | $1,200,000 | $1,200,000 |
| Net PPE | $30,248,000 | $30,039,000 | $29,821,000 | $27,489,000 |
| Accumulated Depreciation | $-23,433,000 | $-22,168,000 | $-23,704,000 | $-22,093,000 |
| Gross PPE | $53,681,000 | $52,207,000 | $53,525,000 | $49,582,000 |
| Construction In Progress | $281,000 | $413,000 | $3,045,000 | $2,297,000 |
| Other Properties | $927,000 | $1,402,000 | $1,861,000 | $2,252,000 |
| Machinery Furniture Equipment | $11,926,000 | $11,797,000 | $13,848,000 | $12,943,000 |
| Buildings And Improvements | $33,465,000 | $32,416,000 | $28,592,000 | $25,911,000 |
| Land And Improvements | $7,082,000 | $6,179,000 | $6,179,000 | $6,179,000 |
| Other Short Term Investments | $79,523,000 | $47,140,000 | $550,148,000 | $682,849,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $25,666,000 | $6,004,000 | $17,184,000 | $17,131,000 |
| Operating Activities | ||||
| Operating Cash Flow | $28,428,000 | $8,855,000 | $21,872,000 | $19,281,000 |
| Cash Flow From Continuing Operating Activities | $28,428,000 | $8,855,000 | $21,872,000 | $19,281,000 |
| Operating Gains Losses | $-815,000 | $-588,000 | $-1,703,000 | $-3,836,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,762,000 | $-2,851,000 | $-4,688,000 | $-2,150,000 |
| Investing Cash Flow | $-26,675,000 | $-58,485,000 | $-136,975,000 | $-136,087,000 |
| Cash Flow From Continuing Investing Activities | $-26,675,000 | $-58,485,000 | $-136,975,000 | $-136,087,000 |
| Net Other Investing Changes | $-167,000 | $-164,000 | $-65,000 | $2,222,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,051,000 | $-582,000 | $0 | - |
| Financing Cash Flow | $48,240,000 | $149,412,000 | $115,982,000 | $126,404,000 |
| Cash Flow From Continuing Financing Activities | $48,240,000 | $149,412,000 | $115,982,000 | $126,404,000 |
| Cash Dividends Paid | $-2,723,000 | $-1,687,000 | $-2,472,000 | $-1,431,000 |
| Preferred Stock Dividend Paid | $-926,000 | $0 | - | - |
| Common Stock Dividend Paid | $-1,797,000 | $-1,687,000 | $-2,472,000 | $-1,431,000 |
| Net Common Stock Issuance | $-1,051,000 | $-582,000 | $0 | - |
| Issuance Of Capital Stock | - | $0 | $82,949,000 | $0 |
| Net Preferred Stock Issuance | - | $0 | $82,949,000 | $0 |
| Preferred Stock Issuance | - | $0 | $82,949,000 | $0 |
| Other | ||||
| Repayment Of Debt | $-165,700,000 | $-379,343,000 | $-360,300,000 | $-357,965,000 |
| Issuance Of Debt | $88,629,000 | $446,055,000 | $401,683,000 | $287,933,000 |
| Interest Paid Supplemental Data | $35,328,000 | $23,019,000 | $4,670,000 | $3,895,000 |
| Income Tax Paid Supplemental Data | $2,852,000 | $2,091,000 | $2,159,000 | $4,226,000 |
| End Cash Position | $178,277,000 | $128,284,000 | $28,502,000 | $27,623,000 |
| Beginning Cash Position | $128,284,000 | $28,502,000 | $27,623,000 | $18,025,000 |
| Changes In Cash | $49,993,000 | $99,782,000 | $879,000 | $9,598,000 |
| Proceeds From Stock Option Exercised | $49,000 | $57,000 | $0 | $0 |
| Common Stock Payments | $-1,051,000 | $-582,000 | $0 | - |
| Net Issuance Payments Of Debt | $-77,071,000 | $66,712,000 | $41,383,000 | $-70,032,000 |
| Net Long Term Debt Issuance | $-77,071,000 | $66,712,000 | $41,383,000 | $-70,032,000 |
| Long Term Debt Payments | $-165,700,000 | $-379,343,000 | $-360,300,000 | $-357,965,000 |
| Long Term Debt Issuance | $88,629,000 | $446,055,000 | $401,683,000 | $287,933,000 |
| Net Investment Purchase And Sale | $41,615,000 | $20,317,000 | $-78,676,000 | $-115,829,000 |
| Sale Of Investment | $113,511,000 | $86,603,000 | $131,632,000 | $101,804,000 |
| Purchase Of Investment | $-71,896,000 | $-66,286,000 | $-210,308,000 | $-217,633,000 |
| Net PPE Purchase And Sale | $-2,755,000 | $-2,701,000 | $-4,688,000 | $-2,150,000 |
| Sale Of PPE | $7,000 | $150,000 | $0 | - |
| Purchase Of PPE | $-2,762,000 | $-2,851,000 | $-4,688,000 | $-2,150,000 |
| Change In Working Capital | $11,529,000 | $-7,465,000 | $-173,000 | $-254,000 |
| Change In Other Current Liabilities | $220,000 | $4,857,000 | $-63,000 | $-37,600 |
| Change In Other Current Assets | $11,171,000 | $-11,621,000 | $949,000 | - |
| Change In Receivables | $138,000 | $-701,000 | $-1,059,000 | $-254,000 |
| Changes In Account Receivables | $138,000 | $-701,000 | $-1,059,000 | $-254,000 |
| Other Non Cash Items | $441,000 | $-66,000 | $4,222,000 | $3,841,000 |
| Asset Impairment Charge | $0 | $15,000 | $443,000 | $20,000 |
| Depreciation Amortization Depletion | $2,545,000 | $2,604,000 | $2,357,000 | $2,340,000 |
| Depreciation And Amortization | $2,545,000 | $2,604,000 | $2,357,000 | $2,340,000 |
| Depreciation | $2,545,000 | $2,604,000 | $2,357,000 | $2,340,000 |
| Gain Loss On Investment Securities | $-37,000 | $0 | $2,000 | $0 |
| Gain Loss On Sale Of PPE | $1,000 | $38,000 | $0 | - |
| Net Income From Continuing Operations | $9,807,000 | $10,190,000 | $10,228,000 | $12,774,000 |
| Net Investment Properties Purchase And Sale | - | - | - | $454,332 |
| Sale Of Investment Properties | - | - | - | $454,332 |
| Change In Other Working Capital | - | - | - | $-872,656 |
Fetched: 2026-02-02