Stock fact sheet · data as of
Security Federal Corporation (SFDL): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is SFDL undervalued?
At 45.86 (close of 16 Oct 2026), SFDL trades 24% under the GLS average fair value of 60.46. 4 of the 8 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between DDM (14.57) and Graham Growth (153.04). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files SFDL under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for SFDL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 37.66 | -18% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 86.27 | +88% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 153.04 | +234% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 57.02 | +24% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 44.62 | -3% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 35.01 | -24% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 14.57 | -68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 55.53 | +21% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -432.75 | -1044% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Security Federal Corporation scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability SFDL scores 6.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 5.8%, ROE 6.8%, ROA 0.8% - with debt at 0.18 times equity and negative free cash flow.
The dividend yield is 2.16% at a payout ratio of 11%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Deposit Account 100% (quarter Q2 FY2025).
Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 5.8% |
|---|---|---|---|
| GLS Moat | 6.4 / 10 | ROE | 6.8% |
| Debt / equity | 0.18 | ROA | 0.8% |
| Free-cash-flow yield | -1.0% | Payout ratio | 11% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Security Federal Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $142M, with a beta of 0.35 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 23 / 25 | 24% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 10 / 15 | moat 6.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $142M cap, beta 0.35 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for SFDL in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Security Federal Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PBCO PBCO Financial Corporation | 27.88 | 22.88 | -22% | 25No options | $141M |
| LSBK Lake Shore Bancorp, Inc. | 18.12 | 21.97 | +18% | 39No options | $142M |
| FMBN Farmers & Merchants Bancshares, Inc. | 43.20 | 89.99 | +52% | 39No options | $143M |
| FFDF FFD Financial Corporation | 48.53 | 75.95 | +36% | 39No options | $141M |
| PONT Pontiac Bancorp, Inc. | 680.00 | 811.82 | +16% | 39No options | $141M |
| BLHK Blueharbor Bank | 48.30 | 102.01 | +53% | 39No options | $143M |
| CHBH Croghan Bancshares, Inc. | 71.25 | 90.68 | +21% | 39No options | $143M |
| CBBI CBB Bancorp, Inc. | 13.52 | 50.33 | +73% | 39No options | $143M |
| BCBP BCB Bancorp, Inc. | 8.31 | 18.20 | +54% | 45Weak | $144M |
| FMBM F & M Bank Corp. | 40.85 | 62.17 | +34% | 39No options | $147M |
| JDVB JD Bancshares, Inc. | 42.91 | 39.25 | -9% | 33No options | $147M |
| CCNB Coastal Carolina Bancshares, Inc. | 18.09 | 38.23 | +53% | 39No options | $136M |
⚖ Compare SFDL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SFDL
Is SFDL undervalued right now?
By the GLS models, moderately: at 45.86 the stock trades 24% below the average fair value of 60.46 (data as of 16 Oct 2026).
What is the Wheel Score of SFDL and what does it mean?
SFDL has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for SFDL?
60.46 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Security Federal Corporation report earnings next?
No upcoming earnings date is recorded for SFDL in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does SFDL have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SFDL, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.