Security Fed Corp Financials
This page shows Security Fed Corp (SFDL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 shows a balance-sheet-driven lender improving earnings while recycling liquidity into assets instead of stockpiling cash.
FY2025's profit rebound reached$13.7M . But operating cash flow fell to$14.4M from$28.4M , and the simultaneous cash drawdown suggests earnings improved while liquidity was being redeployed rather than retained.
Assets remain far larger than revenue, so classic sales-growth reading is less useful than asset returns. Even after revenue climbed to
Leverage is still high at 7.1x, but equity rose to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Security Fed Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Security Fed Corp's revenue grew a modest 1.7% year-over-year to $78.7M. This slow but positive growth earns a score of 50/100.
Security Fed Corp has elevated debt relative to equity (D/E of 7.07), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Security Fed Corp converts 11.2% of revenue into free cash flow ($8.8M). This strong cash generation earns a score of 69/100.
Security Fed Corp generates a 6.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is up from 5.4% the prior year.
Security Fed Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Security Fed Corp generates $1.05 in operating cash flow ($14.4M OCF vs $13.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Security Fed Corp generated $78.7M in revenue in fiscal year 2025. This represents an increase of 1.7% from the prior year.
Security Fed Corp reported $13.7M in net income in fiscal year 2025. This represents an increase of 39.4% from the prior year.
Cash & Balance Sheet
Security Fed Corp generated $8.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 65.7% from the prior year.
Security Fed Corp held $75.3M in cash against $0 in long-term debt as of fiscal year 2025.
Security Fed Corp paid $0.71 per share in dividends in fiscal year 2025. This represents an increase of 26.8% from the prior year.
Security Fed Corp had 3M shares outstanding in fiscal year 2025. This represents a decrease of 2.3% from the prior year.
Margins & Returns
Security Fed Corp's net profit margin was 17.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.7 percentage points from the prior year.
Security Fed Corp's ROE was 6.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.
Capital Allocation
Security Fed Corp spent $2.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 116.7% from the prior year.
Security Fed Corp invested $5.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 102.1% from the prior year.
SFDL Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $19.8M-1.5% | $20.1M+3.5% | $19.4M+1.1% | $19.2M-5.0% | $20.2M+3.6% | $19.5M+3.8% | $18.8M+0.5% | $18.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $6.3M+5.4% | $6.0M+2.6% | $5.9M+1.0% | $5.8M+7.9% | $5.4M+0.3% | $5.4M-3.0% | $5.5M-0.3% | $5.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $7.2M-10.0% | $8.1M-1.0% | $8.1M+1.7% | $8.0M-10.9% | $9.0M-1.5% | $9.1M+5.6% | $8.6M-1.1% | $8.7M |
| Income Tax | $1.1M+13.4% | $973K+28.7% | $756K-8.5% | $826K-6.1% | $880K+20.2% | $732K+29.6% | $565K-2.6% | $580K |
| Net Income | $4.3M+19.5% | $3.6M+28.6% | $2.8M-7.2% | $3.0M-12.1% | $3.4M+41.8% | $2.4M+8.3% | $2.2M+27.0% | $1.8M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
SFDL Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.6B+0.4% | $1.6B-0.8% | $1.6B+2.5% | $1.6B-1.6% | $1.6B+2.2% | $1.6B+2.2% | $1.5B+1.6% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $75.3M+45.4% | $51.8M-63.6% | $142.2M+6.8% | $133.1M-25.4% | $178.3M+34.7% | $132.4M-4.3% | $138.3M+49.1% | $92.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M |
| Total Liabilities | $1.4B0.0% | $1.4B-1.2% | $1.4B+2.6% | $1.4B-2.2% | $1.4B+2.7% | $1.4B+1.8% | $1.4B+1.8% | $1.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $200.5M+2.9% | $194.8M+1.8% | $191.3M+1.7% | $188.2M+3.2% | $182.4M-1.5% | $185.1M+5.2% | $175.9M+0.8% | $174.6M |
| Retained Earnings | $127.9M+2.7% | $124.5M+2.2% | $121.8M+1.3% | $120.3M+1.8% | $118.1M+2.2% | $115.6M+1.4% | $114.0M+1.5% | $112.4M |
SFDL Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.8M-54.4% | $6.0M+500.8% | $1.0M-78.0% | $4.6M-18.6% | $5.6M+8.7% | $5.2M+154.4% | $2.0M-87.0% | $15.6M |
| Capital Expenditures | $97K-71.6% | $341K-6.3% | $364K-92.4% | $4.8M+1483.1% | $302K+0.3% | $301K-47.6% | $574K-63.8% | $1.6M |
| Free Cash Flow | $2.7M-53.3% | $5.7M+788.3% | $642K+411.7% | -$206K-103.9% | $5.3M+9.2% | $4.9M+234.0% | $1.5M-89.6% | $14.0M |
| Investing Cash Flow | $19.4M+125.8% | -$75.4M-165.4% | -$28.4M-68.9% | -$16.8M-735.6% | $2.6M+107.9% | -$33.7M-259.0% | $21.2M+226.2% | -$16.8M |
| Financing Cash Flow | $1.3M+106.4% | -$21.0M-157.4% | $36.5M+210.9% | -$32.9M-187.5% | $37.6M+66.6% | $22.6M+1.2% | $22.3M+165.1% | -$34.3M |
| Dividends Paid | $467K-0.4% | $469K-41.1% | $796K+66.5% | $478K+7.2% | $446K-0.2% | $447K-1.1% | $452K0.0% | $452K |
| Share Buybacks | $319K-82.8% | $1.9M+1757.0% | $100K+9900.0% | $1K-99.5% | $222K+270.0% | $60K-91.0% | $670K+576.8% | $99K |
SFDL Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 21.6%+3.8pp | 17.8%+3.5pp | 14.3%-1.3pp | 15.6%-1.3pp | 16.9%+4.5pp | 12.3%+0.5pp | 11.8%+2.5pp | 9.4% |
| Return on Equity | 2.1%+0.3pp | 1.8%+0.4pp | 1.5%-0.1pp | 1.6%-0.3pp | 1.9%+0.6pp | 1.3%+0.0pp | 1.3%+0.3pp | 1.0% |
| Return on Assets | 0.3%+0.1pp | 0.2%+0.1pp | 0.2%-0.0pp | 0.2%-0.0pp | 0.2%+0.1pp | 0.1%+0.0pp | 0.1%+0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.07-0.2 | 7.28-0.2 | 7.50+0.1 | 7.43-0.4 | 7.84+0.3 | 7.52-0.3 | 7.77+0.1 | 7.70 |
| FCF Margin | 13.4%-14.9pp | 28.3%+25.0pp | 3.3%+4.4pp | -1.1%-27.3pp | 26.3%+1.3pp | 24.9%+17.2pp | 7.8%-67.2pp | 74.9% |
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Frequently Asked Questions
What is Security Fed Corp's annual revenue?
Security Fed Corp (SFDL) reported $78.7M in total revenue for fiscal year 2025. This represents a 1.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Security Fed Corp's revenue growing?
Security Fed Corp (SFDL) revenue grew by 1.7% year-over-year, from $77.3M to $78.7M in fiscal year 2025.
Is Security Fed Corp profitable?
Yes, Security Fed Corp (SFDL) reported a net income of $13.7M in fiscal year 2025, with a net profit margin of 17.4%.
What is Security Fed Corp's net profit margin?
Security Fed Corp (SFDL) had a net profit margin of 17.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Security Fed Corp pay dividends?
Yes, Security Fed Corp (SFDL) paid $0.71 per share in dividends during fiscal year 2025.
What is Security Fed Corp's return on equity (ROE)?
Security Fed Corp (SFDL) has a return on equity of 6.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Security Fed Corp's free cash flow?
Security Fed Corp (SFDL) generated $8.8M in free cash flow during fiscal year 2025. This represents a -65.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Security Fed Corp's operating cash flow?
Security Fed Corp (SFDL) generated $14.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Security Fed Corp's total assets?
Security Fed Corp (SFDL) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Security Fed Corp's capital expenditures?
Security Fed Corp (SFDL) invested $5.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Security Fed Corp's debt-to-equity ratio?
Security Fed Corp (SFDL) had a debt-to-equity ratio of 7.07 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Security Fed Corp's return on assets (ROA)?
Security Fed Corp (SFDL) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Security Fed Corp's Piotroski F-Score?
Security Fed Corp (SFDL) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Security Fed Corp's earnings high quality?
Security Fed Corp (SFDL) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Security Fed Corp?
Security Fed Corp (SFDL) scores 24 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.