Security Federal Corporation Logo

Security Federal Corporation

SFDL

(3.0)
Stock Price

28,00 USD

0.63% ROA

5.7% ROE

8.95x PER

Market Cap.

86.317.380,00 USD

67.6% DER

2.04% Yield

12.94% NPM

Security Federal Corporation Stock Analysis

Security Federal Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Security Federal Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.43x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

5 ROE

The stock's ROE falls within an average range (6.08%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.67%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (110) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Security Federal Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Security Federal Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

Security Federal Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Security Federal Corporation Revenue
Year Revenue Growth
2002 17.454.682
2003 18.639.670 6.36%
2004 16.768.878 -11.16%
2005 19.277.848 13.01%
2006 22.025.145 12.47%
2007 24.576.874 10.38%
2008 27.041.534 9.11%
2009 33.442.382 19.14%
2010 34.442.186 2.9%
2011 33.073.696 -4.14%
2012 25.523.403 -29.58%
2013 29.810.000 14.38%
2014 29.832.000 0.07%
2015 30.714.000 2.87%
2016 31.273.000 1.79%
2017 32.956.000 5.11%
2018 35.292.000 6.62%
2019 37.720.000 6.44%
2020 41.935.000 10.05%
2021 45.926.000 8.69%
2022 47.162.000 2.62%
2023 46.456.000 -1.52%
2023 73.930.000 37.16%
2024 85.100.000 13.13%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Security Federal Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Security Federal Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 5.953.904
2003 6.023.215 1.15%
2004 6.255.794 3.72%
2005 7.637.397 18.09%
2006 9.442.965 19.12%
2007 10.284.937 8.19%
2008 12.399.775 17.06%
2009 13.679.901 9.36%
2010 13.046.451 -4.86%
2011 11.817.543 -10.4%
2012 3.585.245 -229.62%
2013 11.710.755 69.39%
2014 12.000.547 2.41%
2015 12.791.577 6.18%
2016 13.476.063 5.08%
2017 14.560.605 7.45%
2018 15.782.307 7.74%
2019 16.922.724 6.74%
2020 18.126.525 6.64%
2021 19.450.870 6.81%
2022 20.425.000 4.77%
2023 0 0%
2023 20.934.000 100%
2024 22.784.000 8.12%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Security Federal Corporation EBITDA
Year EBITDA Growth
2002 16.316.666
2003 16.977.610 3.89%
2004 18.609.219 8.77%
2005 22.354.611 16.75%
2006 30.997.247 27.88%
2007 37.092.580 16.43%
2008 32.186.107 -15.24%
2009 24.469.217 -31.54%
2010 20.535.638 -19.15%
2011 17.654.539 -16.32%
2012 2.895.980 -509.62%
2013 13.958.325 79.25%
2014 15.153.846 7.89%
2015 13.624.583 -11.22%
2016 12.744.321 -6.91%
2017 13.996.503 8.95%
2018 15.713.900 10.93%
2019 11.435.507 -37.41%
2020 10.882.295 -5.08%
2021 18.622.206 41.56%
2022 17.965.000 -3.66%
2023 10.760.000 -66.96%
2023 1.686.000 -538.2%
2024 -388.000 534.54%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Security Federal Corporation Gross Profit
Year Gross Profit Growth
2002 17.454.682
2003 18.639.670 6.36%
2004 16.768.878 -11.16%
2005 19.277.848 13.01%
2006 22.025.145 12.47%
2007 24.576.874 10.38%
2008 27.041.534 9.11%
2009 33.442.382 19.14%
2010 34.442.186 2.9%
2011 33.073.696 -4.14%
2012 25.523.403 -29.58%
2013 29.810.000 14.38%
2014 29.831.891 0.07%
2015 30.713.822 2.87%
2016 31.272.754 1.79%
2017 32.955.887 5.11%
2018 35.291.802 6.62%
2019 37.720.000 6.44%
2020 41.935.000 10.05%
2021 45.926.000 8.69%
2022 47.162.000 2.62%
2023 46.456.000 -1.52%
2023 74.367.000 37.53%
2024 85.096.000 12.61%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Security Federal Corporation Net Profit
Year Net Profit Growth
2002 3.231.161
2003 4.263.163 24.21%
2004 3.505.495 -21.61%
2005 3.812.851 8.06%
2006 4.126.553 7.6%
2007 4.279.599 3.58%
2008 2.453.373 -74.44%
2009 1.604.801 -52.88%
2010 1.842.913 12.92%
2011 1.795.375 -2.65%
2012 1.944.896 7.69%
2013 3.791.000 48.7%
2014 5.811.000 34.76%
2015 6.116.000 4.99%
2016 5.925.000 -3.22%
2017 5.918.000 -0.12%
2018 7.207.000 17.89%
2019 7.794.000 7.53%
2020 7.050.604 -10.54%
2021 12.774.000 44.81%
2022 10.228.000 -24.89%
2023 8.488.000 -20.5%
2023 10.190.000 16.7%
2024 8.904.000 -14.44%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Security Federal Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 2 0%
2004 1 0%
2005 2 0%
2006 2 0%
2007 2 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 100%
2014 2 0%
2015 2 0%
2016 2 50%
2017 2 0%
2018 2 0%
2019 3 0%
2020 2 0%
2021 4 33.33%
2022 3 0%
2023 3 -50%
2023 3 33.33%
2024 3 -50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Security Federal Corporation Free Cashflow
Year Free Cashflow Growth
2002 2.776.128
2003 6.645.403 58.22%
2004 1.758.171 -277.97%
2005 2.421.333 27.39%
2006 -134.191 1904.39%
2007 -1.488.855 90.99%
2008 1.541.033 196.61%
2009 7.885.019 80.46%
2010 13.446.017 41.36%
2011 16.609.629 19.05%
2012 17.525.970 5.23%
2013 19.794.360 11.46%
2014 9.996.033 -98.02%
2015 5.822.567 -71.68%
2016 8.897.416 34.56%
2017 10.501.747 15.28%
2018 11.635.749 9.75%
2019 7.631.394 -52.47%
2020 11.713.620 34.85%
2021 12.009.374 2.46%
2022 17.184.000 30.11%
2023 9.477.000 -81.32%
2023 5.431.999 -74.47%
2024 -6.081.000 189.33%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Security Federal Corporation Operating Cashflow
Year Operating Cashflow Growth
2002 3.963.999
2003 9.065.230 56.27%
2004 3.969.288 -128.38%
2005 7.167.835 44.62%
2006 5.110.153 -40.27%
2007 5.269.950 3.03%
2008 3.165.720 -66.47%
2009 8.508.983 62.8%
2010 14.075.626 39.55%
2011 17.026.341 17.33%
2012 17.777.858 4.23%
2013 20.361.942 12.69%
2014 12.200.781 -66.89%
2015 8.986.675 -35.77%
2016 11.361.575 20.9%
2017 13.567.409 16.26%
2018 14.500.346 6.43%
2019 12.266.241 -18.21%
2020 12.957.274 5.33%
2021 14.158.306 8.48%
2022 21.872.000 35.27%
2023 9.477.000 -130.79%
2023 8.282.999 -14.42%
2024 -5.507.000 250.41%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Security Federal Corporation Capital Expenditure
Year Capital Expenditure Growth
2002 1.187.871
2003 2.419.827 50.91%
2004 2.211.117 -9.44%
2005 4.746.502 53.42%
2006 5.244.344 9.49%
2007 6.758.805 22.41%
2008 1.624.687 -316.01%
2009 623.964 -160.38%
2010 629.609 0.9%
2011 416.712 -51.09%
2012 251.888 -65.44%
2013 567.582 55.62%
2014 2.204.748 74.26%
2015 3.164.108 30.32%
2016 2.464.159 -28.41%
2017 3.065.662 19.62%
2018 2.864.597 -7.02%
2019 4.634.847 38.19%
2020 1.243.654 -272.68%
2021 2.148.932 42.13%
2022 4.688.000 54.16%
2023 0 0%
2023 2.851.000 100%
2024 574.000 -396.69%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Security Federal Corporation Equity
Year Equity Growth
2002 30.039.953
2003 33.471.915 10.25%
2004 35.111.065 4.67%
2005 37.601.759 6.62%
2006 42.693.208 11.93%
2007 47.496.413 10.11%
2008 67.092.298 29.21%
2009 67.860.619 1.13%
2010 76.012.205 10.72%
2011 80.771.886 5.89%
2012 45.461.169 -77.67%
2013 77.990.000 41.71%
2014 87.435.000 10.8%
2015 90.967.000 3.88%
2016 71.112.000 -27.92%
2017 77.923.000 8.74%
2018 80.518.000 3.22%
2019 91.758.000 12.25%
2020 111.906.000 18%
2021 115.523.000 3.13%
2022 160.234.000 27.9%
2023 172.362.000 7.04%
2023 158.996.000 -8.41%
2024 175.891.000 9.61%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Security Federal Corporation Assets
Year Assets Growth
2002 444.903.985
2003 528.005.053 15.74%
2004 585.978.473 9.89%
2005 658.677.815 11.04%
2006 738.110.191 10.76%
2007 840.030.486 12.13%
2008 984.661.507 14.69%
2009 956.001.658 -3%
2010 933.544.049 -2.41%
2011 924.636.608 -0.96%
2012 890.354.587 -3.85%
2013 849.248.000 -4.84%
2014 825.364.000 -2.89%
2015 799.917.000 -3.18%
2016 812.682.000 1.57%
2017 868.813.000 6.46%
2018 912.614.000 4.8%
2019 963.228.000 5.25%
2020 1.171.710.000 17.79%
2021 1.301.214.000 9.95%
2022 1.381.366.000 5.8%
2023 1.550.891.000 10.93%
2023 1.477.330.000 -4.98%
2024 1.543.101.000 4.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Security Federal Corporation Liabilities
Year Liabilities Growth
2002 414.864.032
2003 494.533.138 16.11%
2004 117.632.157 -320.41%
2005 138.652.773 15.16%
2006 167.709.778 17.33%
2007 196.173.101 14.51%
2008 250.630.861 21.73%
2009 187.630.684 -33.58%
2010 160.952.300 -16.58%
2011 143.110.188 -12.47%
2012 94.396.182 -51.61%
2013 106.981.797 11.76%
2014 72.662.348 -47.23%
2015 52.290.977 -38.96%
2016 81.972.148 36.21%
2017 82.706.161 0.89%
2018 832.096.000 90.06%
2019 93.650.350 -788.51%
2020 85.652.299 -9.34%
2021 64.233.688 -33.34%
2022 1.221.132.000 94.74%
2023 1.378.529.000 11.42%
2023 0 0%
2024 1.367.210.000 100%

Security Federal Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
23.32
Net Income per Share
3.02
Price to Earning Ratio
8.95x
Price To Sales Ratio
1.15x
POCF Ratio
10.88
PFCF Ratio
17.51
Price to Book Ratio
0.49
EV to Sales
0.87
EV Over EBITDA
251.77
EV to Operating CashFlow
8.19
EV to FreeCashFlow
13.28
Earnings Yield
0.11
FreeCashFlow Yield
0.06
Market Cap
0,09 Bil.
Enterprise Value
0,07 Bil.
Graham Number
60.91
Graham NetNet
-342.44

Income Statement Metrics

Net Income per Share
3.02
Income Quality
0.82
ROE
0.06
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.81
EBT Per Ebit
1.53
Ebit per Revenue
0.1
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.1
Pretax Profit Margin
0.16
Net Profit Margin
0.13

Dividends

Dividend Yield
0.02
Dividend Yield %
2.04
Payout Ratio
0.19
Dividend Per Share
0.55

Operating Metrics

Operating Cashflow per Share
2.48
Free CashFlow per Share
1.53
Capex to Operating CashFlow
0.38
Capex to Revenue
0.04
Capex to Depreciation
1.85
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
26.57
Days Payables Outstanding
0
Days of Inventory on Hand
-291641205
Receivables Turnover
13.74
Payables Turnover
0
Inventory Turnover
-0
Capex per Share
0.95

Balance Sheet

Cash per Share
205,04
Book Value per Share
54,63
Tangible Book Value per Share
54.26
Shareholders Equity per Share
54.63
Interest Debt per Share
45.06
Debt to Equity
0.68
Debt to Assets
0.08
Net Debt to EBITDA
-80.22
Current Ratio
0.22
Tangible Asset Value
0,17 Bil.
Net Current Asset Value
-1,22 Bil.
Invested Capital
-488941000
Working Capital
-0,52 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-771913500
Debt to Market Cap
1.38

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Security Federal Corporation Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 1 0%
2024 0 0%

Security Federal Corporation Profile

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 accepts various deposit products, such as savings accounts, checking accounts, various money market accounts, fixed interest rate certificates, negotiated rate jumbo certificates of deposit, and individual retirement accounts. The company also originates commercial real estate loans, commercial business loans, and consumer loans, as well as mortgage loans to buy or refinance one-to-four family residential real estate; and construction loans on single-family residences, multi-family dwellings and projects, and commercial real estate. In addition, it provides loans for the acquisition, development, and construction of residential subdivisions and commercial projects. Further, the company offers trust, financial planning, and financial management services; and operates an insurance agency that offers auto, business, life, health, and home insurance products, as well as provides insurance premium financing services. 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. As of February 8, 2021, the company operated 17 full-service branch offices in Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Ridge Spring, Wagener, and West Columbia, South Carolina; and Augusta and Evans, Georgia. Security Federal Corporation was founded in 1922 and is headquartered in Aiken, South Carolina.

CEO
Mr. J. Chris Verenes
Employee
258
Address
238 Richland Avenue NW
Aiken, 29801

Security Federal Corporation Executives & BODs

Security Federal Corporation Executives & BODs
# Name Age
1 Dr. Robert E. Alexander Ed.D.
Secretary & Independent Director
70
2 Mr. Anthony J. Ateca
Chief Administrative Officer & Executive Vice President
70
3 Lesley M. Lampert
Senior Vice President & Chief Compliance Officer
70
4 Mr. Darrell R. Rains
Executive Vice President & Chief Financial Officer
70
5 Mr. Roy G. Lindburg
President & Director
70
6 Mr. J. Chris Verenes
Chief Executive Officer & Director
70
7 Mr. Philip R. Wahl II
President of Security Federal Bank
70
8 Ms. Beverly S. Nettles
Vice President & Assistant Secretary
70
9 Nathan T. Crowe
Senior Vice President & Chief Accounting Officer
70
10 Mr. Michael C. Strange
Executive Vice President of Community Development & Public Affairs
70

Security Federal Corporation Competitors