SECURITY FEDERAL CORP (SFDL) Financials

SFDL

FY2025 annual

Revenue $58.7M +12.7% YoY

Net Income $13.7M +39.4% YoY

Free Cash Flow $8.8M -65.7% YoY

Operating Cash Flow $14.4M -49.4% YoY

Market Cap $136.1M as of Sep 14, 2026

Price / Sales 2.3x on $58.7M revenue, FY2025

Price / Earnings 10.0x on $13.7M net income, FY2025

Price / Book 0.7x on $200.5M equity, Q4 FY2025

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Mar 20, 2026 Currency USD FYE December

Newest figures come from the 10-K for FY2025, filed Mar 20, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SFDL SEC filings page.

SECURITY FEDERAL CORP (SFDL) reported $58.7M in revenue for fiscal year 2025, up 12.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI SFDL FY2025 2026-09-05

A liability-heavy balance sheet funds a large asset base, while modest asset returns and volatile cash conversion define operations.

The FY2025 earnings rebound did not translate into a comparable cash rebound: net income was $13.7M while operating cash flow was $14.4M. In FY2024, operating cash flow was $28.4M against $9.8M of net income, showing that balance-sheet movements, not just profitability, drive reported cash conversion.

The larger asset base has not produced proportionate returns: return on assets was 0.9% in FY2025 versus 1.0% in FY2021. Meanwhile, debt-to-equity fell from 10.3x to 7.1x, indicating equity grew faster than liabilities even as leverage remains substantial.

Capital spending increased from $2.8M in FY2024 to $5.6M in FY2025, but that explains only part of the free-cash-flow decline. Operating cash flow fell from $28.4M to $14.4M, so the swing reflects cash-flow composition more than fixed-asset reinvestment alone.

Financial Health Signals

Financial health score not available

SECURITY FEDERAL CORP does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/6

SECURITY FEDERAL CORP passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.05x

For every $1 of reported earnings, SECURITY FEDERAL 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

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Earnings & Revenue

Revenue

$16.4M

YoY+16.4%

QoQ+11.5%

5Y CAGR+7.9%

10Y CAGR+8.0%

SECURITY FEDERAL CORP generated $16.4M in revenue in Q4 2025. This represents an increase of 16.4% from the same quarter a year earlier. Against the prior quarter it is up 11.5%.

Net Income

$4.3M

YoY+25.5%

QoQ+19.5%

5Y CAGR+7.0%

10Y CAGR+12.3%

SECURITY FEDERAL CORP reported $4.3M in net income in Q4 2025. This represents an increase of 25.5% from the same quarter a year earlier. Against the prior quarter it is up 19.5%.

EBITDA

Not reported for Q4 2025.

EPS (Diluted)

Not reported for Q4 2025.

Cash & Balance Sheet

Free Cash Flow

$2.7M

YoY-49.9%

QoQ-53.3%

5Y CAGR+9.9%

SECURITY FEDERAL CORP generated $2.7M in free cash flow in Q4 2025, representing cash available after capex. This represents a decrease of 49.9% from the same quarter a year earlier. Against the prior quarter it is down 53.3%.

Cash & Debt

$75.3M

YoY-57.7%

QoQ+45.4%

5Y CAGR+33.1%

10Y CAGR+24.6%

SECURITY FEDERAL CORP held $75.3M in cash as of Q4 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.16

YoY+14.3%

QoQ+6.7%

5Y CAGR+9.9%

10Y CAGR+7.2%

SECURITY FEDERAL CORP paid $0.16 per share in dividends in Q4 2025. This represents an increase of 14.3% from the same quarter a year earlier. Against the prior quarter it is up 6.7%.

Shares Outstanding

YoY-2.9%

QoQ-1.0%

5Y CAGR-1.0%

10Y CAGR+0.5%

SECURITY FEDERAL CORP had 3M shares outstanding in Q4 2025. This represents a decrease of 2.9% from the same quarter a year earlier. Against the prior quarter it is down 1.0%.

Margins & Returns

Net Margin

26.1%

YoY+1.9pp

QoQ+1.8pp

5Y change-1.2pp

10Y change+8.5pp

SECURITY FEDERAL CORP's net profit margin was 26.1% in Q4 2025, showing the share of revenue converted to profit. This is up 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.8 percentage points.

Return on Equity

2.1%

YoY+0.3pp

QoQ+0.3pp

5Y change-0.6pp

10Y change+0.7pp

SECURITY FEDERAL CORP's ROE was 2.1% in Q4 2025, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q4 2025.

Operating Margin

Not reported for Q4 2025.

Capital Allocation

Share Buybacks

$319K

YoY+43.7%

QoQ-82.8%

SECURITY FEDERAL CORP spent $319K on share buybacks in Q4 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 43.7% from the same quarter a year earlier. Against the prior quarter it is down 82.8%.

Capital Expenditures

$97K

YoY-67.9%

QoQ-71.6%

5Y CAGR-23.1%

10Y CAGR-19.9%

SECURITY FEDERAL CORP invested $97K in capex in Q4 2025, funding long-term assets and infrastructure. This represents a decrease of 67.9% from the same quarter a year earlier. Against the prior quarter it is down 71.6%.

R&D Spending

Not reported for Q4 2025.

SFDL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SFDL quarterly income statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1210-K
Revenue	$58.7M+12.7%	$52.1M+7.1%	$48.6M+3.1%	$47.2M+2.7%	$45.9M+9.5%	$41.9M+11.2%	$37.7M+6.9%	$35.3M+7.1%	$33.0M+5.4%	$31.3M+1.8%	$30.7M+3.0%	$29.8M+0.1%	$29.8M+1.2%	$29.4M	$33.1M
SG&A Expenses	$24.0M+10.1%	$21.8M+7.3%	$20.3M-40.6%	$34.2M+6.8%	$32.0M+7.9%	$29.7M+6.6%	$27.9M+8.9%	$25.6M+5.3%	$24.3M+6.0%	$22.9M+1.8%	$22.5M+5.9%	$21.3M-3.5%	$22.0M-0.7%	$22.2M	$20.7M
Interest Expense	$31.4M-11.4%	$35.5M+37.9%	$25.7M+411.7%	$5.0M+31.5%	$3.8M-41.9%	$6.6M-20.8%	$8.3M+52.5%	$5.4M+30.5%	$4.2M+18.8%	$3.5M-16.3%	$4.2M-27.8%	$5.8M-22.8%	$7.5M-26.7%	$10.3M	$12.4M
Income Tax	$3.7M+32.7%	$2.8M+20.5%	$2.3M-15.5%	$2.7M-22.8%	$3.5M+122.5%	$1.6M-6.1%	$1.7M+7.0%	$1.6M-14.2%	$1.8M-4.7%	$1.9M-7.1%	$2.1M-10.2%	$2.3M+71.8%	$1.3M+40.9%	$951K	$1.9M
Net Income	$13.7M+39.4%	$9.8M-3.8%	$10.2M-0.4%	$10.2M-19.9%	$12.8M+81.2%	$7.1M-9.5%	$7.8M+8.1%	$7.2M+21.8%	$5.9M-0.1%	$5.9M-3.1%	$6.1M+5.3%	$5.8M+53.3%	$3.8M+59.0%	$2.4M	$1.8M
EPS (Basic)	$3.80+37.2%	$2.77-11.8%	$3.140.0%	$3.14-20.1%	$3.93+79.5%	$2.19-17.0%	$2.64+8.2%	$2.44+21.4%	$2.01-3.8%	$2.09+8.3%	$1.93+6.0%	$1.82+59.6%	$1.14+72.7%	$0.66	$0.46
EPS (Diluted)	N/A	N/A	N/A	N/A	$3.93+79.5%	$2.19-12.4%	$2.50+7.8%	$2.32+21.5%	$1.91-4.0%	$1.99+8.2%	$1.84+5.1%	$1.75+56.2%	$1.12+69.7%	$0.66	$0.46
Diluted Shares (Avg)	N/A	N/A	N/A	N/A	3M+1.2%	3M-1.4%	3M0.0%	3M+0.2%	3M0.0%	3M0.0%	3M0.0%	3M0.0%	3M	N/A	3M

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Revenue	$16.4M+16.4%	$14.7M+12.9%	$13.9M+10.1%	$13.7M+11.1%	$14.1M+6.8%	$13.0M+12.2%	$12.6M+11.1%	$12.3M-1.1%
SG&A Expenses	$6.3M+17.9%	$6.0M+12.1%	$5.9M+6.0%	$5.8M+4.6%	$5.4M+314.5%	$5.4M+8.0%	$5.5M+10.0%	$5.5M-38.6%
Interest Expense	$7.2M-19.3%	$8.1M-11.7%	$8.1M-5.8%	$8.0M-8.4%	$9.0M+13.0%	$9.1M+23.7%	$8.6M+34.4%	$8.7M+119.8%
Income Tax	$1.1M+25.3%	$973K+32.9%	$756K+33.8%	$826K+42.4%	$880K+71.2%	$732K+28.9%	$565K+21.0%	$580K-21.5%
Net Income	$4.3M+25.5%	$3.6M+48.9%	$2.8M+25.3%	$3.0M+71.5%	$3.4M-5.5%	$2.4M+13.6%	$2.2M+25.2%	$1.8M-34.4%
EPS (Basic)	$1.23+30.9%	$1.01+62.9%	$0.75+13.6%	$0.81+50.0%	$0.94-16.1%	$0.62-4.6%	$0.66+20.0%	$0.54-34.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Diluted), Diluted Shares (Avg).

SFDL Balance Sheet

SFDL quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1210-K
Total Assets	$1.6B+0.4%	$1.6B+4.0%	$1.5B+12.2%	$1.4B+6.2%	$1.3B+11.1%	$1.2B+21.6%	$963.2M+5.5%	$912.6M+5.0%	$868.8M+6.9%	$812.7M+1.6%	$799.7M-3.1%	$825.4M-2.8%	$849.2M-4.6%	$890.4M	$924.6M
Cash & Equivalents	$75.3M-57.7%	$178.3M+39.0%	$128.3M+350.1%	$28.5M+3.2%	$27.6M+53.2%	$18.0M+43.8%	$12.5M-1.3%	$12.7M+23.1%	$10.3M+10.1%	$9.4M+11.8%	$8.4M-17.8%	$10.2M0.0%	$10.2M0.0%	$10.2M	$9.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M	$1.2M
Total Liabilities	$1.4B-0.8%	$1.4B+3.8%	$1.4B+12.8%	$1.2B+3.0%	$1.2B+11.9%	$1.1B+21.6%	$871.5M+4.7%	$832.1M+5.2%	$790.9M+6.7%	$741.6M+4.6%	$708.8M-4.0%	$737.9M-4.3%	$771.3M-4.5%	$807.8M	$843.9M
Total Equity	$200.5M+9.9%	$182.4M+5.8%	$172.4M+7.6%	$160.2M+38.7%	$115.5M+3.2%	$111.9M+22.0%	$91.8M+14.0%	$80.5M+3.3%	$77.9M+9.6%	$71.1M-21.8%	$91.0M+4.0%	$87.4M+12.1%	$78.0M-5.6%	$82.6M	$80.8M
Retained Earnings	$127.9M+8.3%	$118.1M+6.4%	$111.1M+6.7%	$104.1M+8.0%	$96.4M+13.3%	$85.0M+7.3%	$79.3M+9.2%	$72.6M+8.2%	$67.1M+7.8%	$62.2M+9.2%	$57.0M+9.1%	$52.3M+9.3%	$47.8M+5.3%	$45.4M	$44.5M

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Total Assets	$1.6B+0.4%	$1.6B+2.3%	$1.6B+5.3%	$1.6B+4.4%	$1.6B+4.0%	$1.6B+6.7%	$1.5B+4.8%	$1.5B+8.0%
Cash & Equivalents	$75.3M-57.7%	$51.8M-60.9%	$142.2M+2.8%	$133.1M+43.4%	$178.3M+39.0%	$132.4M+57.2%	$138.3M+79.3%	$92.8M+275.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%	$1.2M0.0%
Total Liabilities	$1.4B-0.8%	$1.4B+1.9%	$1.4B+4.9%	$1.4B+4.0%	$1.4B+3.8%	$1.4B+5.5%	$1.4B+4.5%	$1.3B+8.4%
Total Equity	$200.5M+9.9%	$194.8M+5.2%	$191.3M+8.7%	$188.2M+7.8%	$182.4M+5.8%	$185.1M+16.4%	$175.9M+7.7%	$174.6M+4.9%
Retained Earnings	$127.9M+8.3%	$124.5M+7.7%	$121.8M+6.8%	$120.3M+7.0%	$118.1M+6.4%	$115.6M+7.2%	$114.0M+7.4%	$112.4M+7.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

SFDL Cash Flow Statement

SFDL quarterly cash flow statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1210-K
Operating Cash Flow	$14.4M-49.4%	$28.4M+221.0%	$8.9M-59.5%	$21.9M+13.4%	$19.3M+106.0%	$9.4M-21.1%	$11.9M-18.2%	$14.5M+6.9%	$13.6M+19.4%	$11.4M+26.4%	$9.0M-26.3%	$12.2M-40.1%	$20.4M	N/A	$17.0M
Depreciation & Amortization	$2.2M+4.4%	$2.1M-3.5%	$2.1M+9.1%	$2.0M+0.4%	$2.0M+3.7%	$1.9M+18.8%	$1.6M+6.9%	$1.5M-0.8%	$1.5M+7.1%	$1.4M+12.7%	$1.2M+2.3%	$1.2M-2.3%	$1.2M	N/A	$1.5M
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0-100.0%	$8K-37.0%	$13K0.0%	$13K+588.5%	-$3K	N/A	$33K
Capital Expenditures	$5.6M+102.1%	$2.8M-3.1%	$2.9M-39.2%	$4.7M+118.0%	$2.1M+72.9%	$1.2M-73.2%	$4.6M+61.8%	$2.9M-6.6%	$3.1M+24.4%	$2.5M-21.0%	$3.1M+41.5%	$2.2M+288.4%	$568K	N/A	$417K
Free Cash Flow	$8.8M-65.7%	$25.7M+327.5%	$6.0M-65.1%	$17.2M+0.3%	$17.1M+111.1%	$8.1M+12.3%	$7.2M-37.9%	$11.6M+10.8%	$10.5M+18.0%	$8.9M+51.7%	$5.9M-41.3%	$10.0M-49.5%	$19.8M	N/A	$16.6M
Investing Cash Flow	-$101.3M-279.6%	-$26.7M+54.4%	-$58.5M+57.3%	-$137.0M-0.7%	-$136.1M+30.7%	-$196.2M-313.2%	-$47.5M+8.8%	-$52.1M+13.9%	-$60.5M-212.5%	-$19.4M-202.0%	$19.0M-23.0%	$24.6M+42.7%	$17.3M	N/A	-$2.5M
Financing Cash Flow	-$16.1M-133.3%	$48.2M-67.7%	$149.4M+28.8%	$116.0M-8.2%	$126.4M-34.3%	$192.4M+442.4%	$35.5M-11.2%	$40.0M-16.5%	$47.9M+432.7%	$9.0M+130.2%	-$29.8M+13.2%	-$34.3M+9.6%	-$37.9M	N/A	-$13.0M
Dividends Paid	$2.2M+23.0%	$1.8M+6.5%	$1.7M-31.8%	$2.5M+72.7%	$1.4M+10.0%	$1.3M+15.9%	$1.1M+5.6%	$1.1M+0.3%	$1.1M+12.5%	$943K0.0%	$943K+0.1%	$942K0.0%	$942K	N/A	$942K
Share Buybacks	$2.3M+116.7%	$1.1M+80.6%	$582K	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Operating Cash Flow	$2.8M-50.9%	$6.0M+16.9%	$1.0M-50.5%	$4.6M-70.7%	$5.6M+198.6%	$5.2M+8.5%	$2.0M-46.9%	$15.6M+161.7%
Depreciation & Amortization	$546K+5.4%	$540K+4.2%	$541K+3.0%	$535K+5.1%	$518K-0.6%	$518K-5.6%	$525K	$509K-1.7%
Capital Expenditures	$97K-67.9%	$341K+13.3%	$364K-36.6%	$4.8M+201.6%	$302K-37.5%	$301K-28.2%	$574K-19.8%	$1.6M+28.5%
Free Cash Flow	$2.7M-49.9%	$5.7M+17.1%	$642K-56.0%	-$206K-101.5%	$5.3M+186.0%	$4.9M+12.0%	$1.5M-53.1%	$14.0M+196.4%
Investing Cash Flow	$19.4M+634.0%	-$75.4M-123.7%	-$28.4M-234.0%	-$16.8M-0.1%	$2.6M+130.7%	-$33.7M-608.5%	$21.2M+208.0%	-$16.8M+33.9%
Financing Cash Flow	$1.3M-96.5%	-$21.0M-192.9%	$36.5M+63.6%	-$32.9M+4.0%	$37.6M-35.5%	$22.6M+220.9%	$22.3M-67.3%	-$34.3M-318.5%
Dividends Paid	$467K+4.7%	$469K+4.9%	$796K+76.1%	$478K+5.8%	$446K+6.2%	$447K+6.2%	$452K+6.9%	$452K+6.9%
Share Buybacks	$319K+43.7%	$1.9M+2995.0%	$100K-85.1%	$1K-99.0%	$222K-23.4%	$60K-79.5%	$670K	$99K

Not reported in any period shown, so not listed: Stock-Based Compensation.

SFDL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SFDL quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1210-K
Net Margin	23.3%+4.5pp	18.8%-2.1pp	20.9%-0.7pp	21.7%-6.1pp	27.8%+11.0pp	16.8%-3.9pp	20.7%+0.2pp	20.4%+2.5pp	18.0%-1.0pp	18.9%-1.0pp	19.9%+0.4pp	19.5%+6.8pp	12.7%+4.6pp	8.1%	5.4%
Return on Equity	6.8%+1.4pp	5.4%-0.5pp	5.9%-0.5pp	6.4%-4.7pp	11.1%+4.8pp	6.3%-2.2pp	8.5%-0.5pp	8.9%+1.3pp	7.6%-0.7pp	8.3%+1.6pp	6.7%+0.1pp	6.7%+1.8pp	4.9%+2.0pp	2.9%	2.2%
Return on Assets	0.9%+0.2pp	0.6%0.0pp	0.7%-0.1pp	0.7%-0.2pp	1.0%+0.4pp	0.6%-0.2pp	0.8%0.0pp	0.8%+0.1pp	0.7%-0.1pp	0.7%0.0pp	0.8%+0.1pp	0.7%+0.3pp	0.4%+0.2pp	0.3%	0.2%
Debt-to-Equity	7.07-0.8x	7.84-0.2x	7.99+0.4x	7.62-2.6x	10.26+0.8x	9.470.0x	9.50-0.8x	10.33+0.2x	10.15-0.3x	10.43+2.6x	7.79-0.6x	8.44-1.4x	9.89+0.1x	9.78	10.45
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.03	0.04
FCF Margin	15.0%-34.3pp	49.3%+37.0pp	12.3%-24.1pp	36.4%-0.9pp	37.3%+17.9pp	19.4%+0.2pp	19.2%-13.8pp	33.0%+1.1pp	31.9%+3.4pp	28.4%+9.3pp	19.1%-14.4pp	33.5%-32.9pp	66.4%	N/A	50.2%

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Net Margin	26.1%+1.9pp	24.4%+5.9pp	20.1%+2.4pp	22.0%+7.7pp	24.2%-3.1pp	18.5%+0.2pp	17.6%+2.0pp	14.2%-7.2pp
Return on Equity	2.1%+0.3pp	1.8%+0.5pp	1.5%+0.2pp	1.6%+0.6pp	1.9%-0.2pp	1.3%0.0pp	1.3%+0.2pp	1.0%-0.6pp
Return on Assets	0.3%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%-0.1pp
Debt-to-Equity	7.07-0.8x	7.28-0.2x	7.50-0.3x	7.43-0.3x	7.84-0.2x	7.52-0.8x	7.77-0.2x	7.70+0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	16.2%-21.5pp	38.8%+1.4pp	4.6%-6.9pp	-1.5%	37.7%+84.5pp	37.4%-0.1pp	11.5%-15.8pp	114.0%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Where SECURITY FEDERAL CORP Ranks

Frequently Asked Questions

What is SECURITY FEDERAL CORP's annual revenue?

SECURITY FEDERAL CORP (SFDL) reported $58.7M in total revenue for fiscal year 2025. This represents a 12.7% 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 FEDERAL CORP's revenue growing?

SECURITY FEDERAL CORP (SFDL) revenue grew by 12.7% year-over-year, from $52.1M to $58.7M in fiscal year 2025.

Is SECURITY FEDERAL CORP profitable?

Yes, SECURITY FEDERAL CORP (SFDL) reported a net income of $13.7M in fiscal year 2025, with a net profit margin of 23.3%.

What is SECURITY FEDERAL CORP's net profit margin?

SECURITY FEDERAL CORP (SFDL) had a net profit margin of 23.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does SECURITY FEDERAL CORP pay dividends?

Yes, SECURITY FEDERAL CORP (SFDL) paid $0.71 per share in dividends during fiscal year 2025.

What is SECURITY FEDERAL CORP's return on equity (ROE)?

SECURITY FEDERAL 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 FEDERAL CORP's free cash flow?

SECURITY FEDERAL 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 FEDERAL CORP's operating cash flow?

SECURITY FEDERAL CORP (SFDL) generated $14.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are SECURITY FEDERAL CORP's total assets?

SECURITY FEDERAL CORP (SFDL) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are SECURITY FEDERAL CORP's capital expenditures?

SECURITY FEDERAL CORP (SFDL) invested $5.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does SECURITY FEDERAL CORP buy back shares?

Yes, SECURITY FEDERAL CORP (SFDL) spent $2.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does SECURITY FEDERAL CORP have outstanding?

SECURITY FEDERAL CORP (SFDL) had 3M shares outstanding as of fiscal year 2025.

What is SECURITY FEDERAL CORP's debt-to-equity ratio?

SECURITY FEDERAL 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 FEDERAL CORP's return on assets (ROA)?

SECURITY FEDERAL 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 FEDERAL CORP's P/E ratio?

SECURITY FEDERAL CORP (SFDL) trades at 10.0x earnings, its market capitalization divided by net income of $13.7M net income, FY2025. The market capitalization is $136.1M as of Sep 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SECURITY FEDERAL CORP's price-to-sales ratio?

SECURITY FEDERAL CORP (SFDL) trades at 2.3x sales, its market capitalization divided by revenue of $58.7M revenue, FY2025. The market capitalization is $136.1M as of Sep 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SECURITY FEDERAL CORP's Piotroski F-Score?

SECURITY FEDERAL CORP (SFDL) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 FEDERAL CORP's earnings high quality?

SECURITY FEDERAL 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.