Security Federal (SFDL) Stock Price

Security Federal Price

NYSE·CLOSED
41.81USD+0.81 (+1.96 %)
Market closed

Revenue has compounded at 5.4% per year over the past 19 years to 52.07 M USD. Earnings per share have grown at 3.4% per year over the last 19 years. Security Federal's net margin stands at 17.1%, broadly stable from 16.8% several years earlier. Security Federal currently offers a dividend yield of about 1.34%. The payout ratio is around 20% of earnings. The dividend has grown at 7.2% per year over the past 19 years. The stock trades about 36% above its 52-week low.

Security Federal stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Security Federal over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Security Federal stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Security Federal's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Security Federal Stock Price History
DateSecurity Federal Price
7/22/202641.81 USD
7/21/202641.00 USD
7/20/202640.75 USD
7/17/202640.56 USD
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7/31/202531.00 USD
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7/29/202531.00 USD
7/28/202530.90 USD
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7/24/202530.90 USD
Access this data via the Eulerpool API

Security Federal Revenue, Pre-Provision Profit, Net Income

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2017
32.95 M USD
8.65 M USD
5.92 M USD
Jan 1, 2018
35.29 M USD
9.70 M USD
7.21 M USD
Jan 1, 2019
37.72 M USD
9.85 M USD
7.79 M USD
Jan 1, 2020
41.93 M USD
8.62 M USD
7.05 M USD
Jan 1, 2021
45.92 M USD
16.28 M USD
12.77 M USD
Jan 1, 2022
47.16 M USD
12.94 M USD
10.23 M USD
Jan 1, 2023
48.64 M USD
12.72 M USD
10.19 M USD
Jan 1, 2024
52.07 M USD
13.93 M USD
8.88 M USD

Security Federal Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 23, 2026, 8:45 PM
 
REVENUEM USD
REVENUE GROWTH%
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2009201020112012201320142015201620172018201920202021202220232024
53.0050.0045.0029.0037.0035.0034.0034.0037.0040.0046.0048.0049.0052.0074.0087.00
-5.66-10.00-35.5627.59-5.41-2.868.828.1115.004.352.086.1242.3117.57
27.3727.6526.1317.3322.9123.6723.7124.8725.6127.6228.6230.5133.2937.5539.2541.83
6.116.796.944.366.906.167.016.407.347.679.1011.4212.639.619.3910.25
8.167.808.651.982.650.450.500.300.930.380.251.37
10.8210.6012.354.637.788.568.198.348.659.709.858.6216.2812.9412.7213.93
1.001.001.003.005.005.006.005.007.007.007.0012.0010.0010.008.00
200.0066.6720.00-16.6740.0071.43-16.67-20.00
0.320.320.320.320.320.320.320.320.360.360.380.400.440.760.520.56
3.2312.505.565.2610.0072.73-31.587.69
2.532.762.942.943.253.253.253.253.253.263.263.213.253.253.253.21
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Security Federal generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Security Federal retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Security Federal's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Security Federal has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Security Federal's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Security Federal stock margins

The Security Federal margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Security Federal. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Security Federal.
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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2017
73.75 %
17.97 %
Jan 1, 2018
72.51 %
20.43 %
Jan 1, 2019
73.89 %
20.65 %
Jan 1, 2020
79.44 %
16.81 %
Jan 1, 2021
64.55 %
27.81 %
Jan 1, 2022
72.57 %
21.69 %
Jan 1, 2023
73.84 %
20.95 %
Jan 1, 2024
73.24 %
17.05 %

Security Federal Revenue per Share, Earnings per Share

The Security Federal earnings per share therefore indicates how much revenue Security Federal has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2017
10.14 USD
1.82 USD
Jan 1, 2018
10.83 USD
2.21 USD
Jan 1, 2019
11.57 USD
2.39 USD
Jan 1, 2020
13.06 USD
2.20 USD
Jan 1, 2021
14.13 USD
3.93 USD
Jan 1, 2022
14.50 USD
3.14 USD
Jan 1, 2023
14.97 USD
3.14 USD
Jan 1, 2024
16.23 USD
2.77 USD

Security Federal business model & stock analysis

Security Federal Corp is a US-based financial institution specializing in banking services, lending, and insurance. The company is headquartered in Aiken, South Carolina and has branches in multiple states. The history of Security Federal Corp dates back to 1922 when the Aiken Building and Loan Association was founded. Over the years, various mergers and acquisitions have been carried out to expand the business and broaden the customer base. In 2006, the holding company Security Federal Corporation was established to support the company's growth. The business model of Security Federal Corp is based on the idea of providing financial services to a wide range of customers. The company has focused on four main business areas: banking services, lending, investment services, and insurance. Banking services include deposit accounts, loans and mortgages, ATMs, and online banking. Customers can open various types of accounts with Security Federal Corp, including checking accounts, savings accounts, and money market accounts. The company also offers various loan products, including auto loans, home loans, and business loans. Lending is a significant business area for Security Federal Corp. The company specializes in providing loans for real estate, businesses, and agriculture. Customers can also take out loans for cars, boats, and other personal needs. Investment services are an essential part of Security Federal Corp's offerings. The company provides investment advice and brokerage services for customers looking to diversify their portfolios. The product offerings include stocks, funds, bonds, and other securities. Insurance is another important business area for Security Federal Corp. Customers can purchase various types of insurance, including life insurance, health insurance, and homeowners' insurance. The company works with different insurance providers to ensure that customers receive the best possible coverage. Security Federal Corp has built a reputation as a reliable and trustworthy service provider. The company has received several awards, including the Best-of-Breed Award for online services. The company is also actively involved in the community, supporting local charities and initiatives. Overall, Security Federal Corp offers a wide range of financial services tailored to the needs of a variety of customers. The company has focused on providing high-quality services to its customers and has built a strong customer base.

Security Federal SWOT Analysis

Strengths

Security Federal Corp has a strong financial position and a proven track record of profitability. This allows the company to invest in innovative technologies and expand its operations.

The company has a wide range of products and services, including banking, insurance, and investment options. This diversification helps Security Federal Corp mitigate risks and cater to the varying needs of its customers.

Security Federal Corp boasts a well-established brand image and a loyal customer base. This allows the company to retain existing customers and attract new ones through effective marketing strategies.

Weaknesses

One potential weakness of Security Federal Corp is its heavy reliance on traditional brick-and-mortar branches. In the digital age, online and mobile banking are becoming increasingly popular, and the company may need to invest more in digital platforms to remain competitive.

The company also faces regulatory challenges and compliance costs, which can impact its profitability and operational efficiency.

Opportunities

Security Federal Corp can leverage technological advancements and invest in fintech solutions to enhance customer experience, streamline processes, and gain a competitive edge in the market.

The company can explore markets with lower competition and expand its operations geographically, both domestically and internationally, to tap into new customer segments and diversify its revenue streams.

Threats

The financial industry is highly competitive, and Security Federal Corp faces the threat of losing customers to competitors. To mitigate this, the company needs to continuously improve its service quality, innovate products, and adapt to changing customer expectations.

The risk of cybersecurity breaches and data theft poses a significant threat to both the company's reputation and its customers. Security Federal Corp must invest in robust cybersecurity measures and educate its customers to minimize these risks.

Security Federal Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Security Federal historical P/E ratio, EBIT multiple, and P/S ratio

Security Federal annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Security Federal shares outstanding

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2017
3.25 M Stocks
Jan 1, 2018
3.26 M Stocks
Jan 1, 2019
3.26 M Stocks
Jan 1, 2020
3.21 M Stocks
Jan 1, 2021
3.25 M Stocks
Jan 1, 2022
3.25 M Stocks
Jan 1, 2023
3.25 M Stocks
Jan 1, 2024
3.21 M Stocks

Security Federal Dividend History

24 years of dividend payments · 2 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.16USDYTD
Feb 27, 20260.16USD 6.7%1/1
20250.70USD 25.0%
Feb 28, 20250.15USD 7.1%1/5
Mar 31, 20250.10USD 33.3%2/5
May 30, 20250.15USD 50.0%3/5
Aug 29, 20250.15USD 0.0%4/5
Nov 28, 20250.15USD 0.0%5/5
20240.56USD 7.7%
20230.52USD 31.6%
20220.76USD 72.7%
20210.44USD 10.0%
20200.40USD 5.3%
20190.38USD 5.6%
20180.36USD 0.0%
20170.36USD 12.5%

Security Federal dividend payout ratio

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2017
19.78 %
Jan 1, 2018
16.29 %
Jan 1, 2019
15.97 %
Jan 1, 2020
18.26 %
Jan 1, 2021
11.20 %
Jan 1, 2022
24.17 %
Jan 1, 2023
16.58 %
Jan 1, 2024
20.23 %
Price targets and forecasts for Security Federal are not yet available.

Security Federal shareholder structure

% Name
22.35310%
Simmons (Timothy W)
Simmons (Timothy W)
9.22198%
T Clifton Weeks Family, L.P.
T Clifton Weeks Family, L.P.
4.78899%
Toole (Frampton W III)
Toole (Frampton W III)
3.58895%
Weeks (Harry O Jr)
Weeks (Harry O Jr)
1.84846%
Lindburg (Roy G)
Lindburg (Roy G)
1.12564%
Verenes (Chris J)
Verenes (Chris J)

Security Federal Executives and Management Board

JV

Mr. J. Chris Verenes

(68)

Chief Executive Officer, Director, Chairman of the Board and Chief Executive Officer of the Bank

Compensation517,921.00 USD
RL

Mr. Roy Lindburg

(64)

President, Director of the Company and the Bank · since 1995

Compensation459,996.00 USD
PW

Mr. Philip Wahl

(61)

President of the Bank

Compensation369,846.00 USD
TS

Mr. Timothy Simmons

(79)

Independent Chairman of the Board · since 1983

Compensation182,480.00 USD
FT

Mr. Frank Thomas

(78)

Independent Director · since 2007

Compensation127,000.00 USD

Frequently asked questions about Security Federal

The business model of Security Federal Corp focuses on providing a comprehensive range of financial services to individuals and businesses. This includes offering various banking products, such as checking and savings accounts, loans, mortgages, and investment services. The company aims to cater to the diverse needs of its customers by delivering personalized and innovative solutions. With a strong emphasis on customer satisfaction, Security Federal Corp strives to maintain its reputation as a reliable and trustworthy financial institution.