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Security Federal Corporation SFDL OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Security Federal Corporation (SFDL) is a Banks - Regional company in the Financial Services sector, currently trading at $34.51. It has a SharesGrow Score of 75/100, indicating a strong investment profile with 4 out of 7 criteria passed.

Financials: revenue is $90M, +28.5%/yr average growth. Net income is $14M, growing at +11.8%/yr. Net profit margin is 15.2% (healthy). Gross margin is 65.4% (-34.6 pp trend).

Balance sheet: total debt is $36M against $200M equity (Debt-to-Equity (D/E) ratio 0.18, conservative). Current ratio is 3.12 (strong liquidity). Debt-to-assets is 2.2%. Total assets: $1.6B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

SFDL SharesGrow Score Overview

77/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 90/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 67/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SFDL

SFDL trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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SFDL: +28.5%/yr revenue is, +11.8%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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SFDL: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet SFDL: Debt-to-Equity (D/E) ratio 0.18 (conservative), Current ratio is 3.12 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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SFDL: Gross margin is 65.4% (-34.6 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

SFDL: Net profit margin is 15.2%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range28.15-36.62

Volume200

Avg Volume (30D)180

Market Cap$106.75M

Beta (1Y)0.45

Dividend Yield$0.4600

Share Statistics

EPS (TTM)3.82

Shares Outstanding$3.14M

IPO Date2003-10-09

Employees258

CEOJ. Chris Verenes

Financial Highlights & Ratios

Revenue (TTM)$90.14M

Gross Profit$58.93M

EBITDA$17.33M

Net Income$13.67M

Operating Income$17.33M

Total Cash$66.42M

Total Debt$36.31M

Net Debt$24.29M

Total Assets$1.62B

Price / Earnings (P/E)9

Price / Sales (P/S)1.18

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS8139031012

Price Chart

SFDL

Security Federal Corporation ↗ · Other OTC

Financial Services • Banks - Regional

28.15 52WK RANGE 36.62

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