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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.19
SFDL's Cash to Debt is ranked lower than
85% of the 974 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. SFDL: 0.19 )
SFDL' s 10-Year Cash to Debt Range
Min: 0.03   Max: 2.1
Current: 0.19

0.03
2.1
Equity to Asset 0.11
SFDL's Equity to Asset is ranked higher than
55% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. SFDL: 0.11 )
SFDL' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.11

0.05
0.11
Interest Coverage 1.40
SFDL's Interest Coverage is ranked lower than
55% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. SFDL: 1.40 )
SFDL' s 10-Year Interest Coverage Range
Min: 0.13   Max: 1.4
Current: 1.4

0.13
1.4
F-Score: 7
Z-Score: 0.23
WACC vs ROIC
3.68%
3.86%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.13
SFDL's Operating margin (%) is ranked lower than
54% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. SFDL: 27.13 )
SFDL' s 10-Year Operating margin (%) Range
Min: 7.96   Max: 36.02
Current: 27.13

7.96
36.02
Net-margin (%) 19.35
SFDL's Net-margin (%) is ranked lower than
56% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. SFDL: 19.35 )
SFDL' s 10-Year Net-margin (%) Range
Min: 4.79   Max: 22.87
Current: 19.35

4.79
22.87
ROE (%) 7.04
SFDL's ROE (%) is ranked lower than
58% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. SFDL: 7.04 )
SFDL' s 10-Year ROE (%) Range
Min: 2.29   Max: 13.42
Current: 7.04

2.29
13.42
ROA (%) 0.72
SFDL's ROA (%) is ranked lower than
57% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. SFDL: 0.72 )
SFDL' s 10-Year ROA (%) Range
Min: 0.17   Max: 0.88
Current: 0.72

0.17
0.88
ROC (Joel Greenblatt) (%) 46.44
SFDL's ROC (Joel Greenblatt) (%) is ranked lower than
65% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. SFDL: 46.44 )
SFDL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.57   Max: 72.1
Current: 46.44

12.57
72.1
Revenue Growth (3Y)(%) -9.70
SFDL's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. SFDL: -9.70 )
SFDL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 13.2
Current: -9.7

0
13.2
EBITDA Growth (3Y)(%) 20.70
SFDL's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. SFDL: 20.70 )
SFDL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 20.7
Current: 20.7

0
20.7
EPS Growth (3Y)(%) 57.80
SFDL's EPS Growth (3Y)(%) is ranked higher than
93% of the 1000 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. SFDL: 57.80 )
SFDL' s 10-Year EPS Growth (3Y)(%) Range
Min: -45.9   Max: 60.3
Current: 57.8

-45.9
60.3
» SFDL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 10.20
SFDL's P/E(ttm) is ranked higher than
72% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SFDL: 10.20 )
SFDL' s 10-Year P/E(ttm) Range
Min: 9.55   Max: 50.56
Current: 10.2

9.55
50.56
PE(NRI) 10.60
SFDL's PE(NRI) is ranked higher than
73% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. SFDL: 10.60 )
SFDL' s 10-Year PE(NRI) Range
Min: 9.97   Max: 50
Current: 10.6

9.97
50
P/B 0.90
SFDL's P/B is ranked higher than
60% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SFDL: 0.90 )
SFDL' s 10-Year P/B Range
Min: 0.37   Max: 2.21
Current: 0.9

0.37
2.21
P/S 1.90
SFDL's P/S is ranked higher than
70% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. SFDL: 1.90 )
SFDL' s 10-Year P/S Range
Min: 0.61   Max: 4.56
Current: 1.9

0.61
4.56
PFCF 5.80
SFDL's PFCF is ranked higher than
57% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. SFDL: 5.80 )
SFDL' s 10-Year PFCF Range
Min: 0.93   Max: 101.25
Current: 5.8

0.93
101.25
POCF 4.55
SFDL's POCF is ranked higher than
70% of the 958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. SFDL: 4.55 )
SFDL' s 10-Year POCF Range
Min: 0.92   Max: 500
Current: 4.55

0.92
500
EV-to-EBIT 14.32
SFDL's EV-to-EBIT is ranked higher than
51% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.37 vs. SFDL: 14.32 )
SFDL' s 10-Year EV-to-EBIT Range
Min: 12   Max: 88.8
Current: 14.32

12
88.8
PEG 1.63
SFDL's PEG is ranked lower than
66% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. SFDL: 1.63 )
SFDL' s 10-Year PEG Range
Min: 0.92   Max: 7.23
Current: 1.63

0.92
7.23
Shiller P/E 22.20
SFDL's Shiller P/E is ranked lower than
95% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. SFDL: 22.20 )
SFDL' s 10-Year Shiller P/E Range
Min: 6.55   Max: 23.38
Current: 22.2

6.55
23.38
Days Sales Outstanding 35.67
SFDL's Days Sales Outstanding is ranked lower than
52% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.65 vs. SFDL: 35.67 )
SFDL' s 10-Year Days Sales Outstanding Range
Min: 37.48   Max: 52.57
Current: 35.67

37.48
52.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.76
SFDL's Dividend Yield is ranked lower than
111% of the 1339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.50 vs. SFDL: 1.76 )
SFDL' s 10-Year Dividend Yield Range
Min: 0.25   Max: 4.41
Current: 1.76

0.25
4.41
Dividend Payout 0.19
SFDL's Dividend Payout is ranked higher than
71% of the 1089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.28 vs. SFDL: 0.19 )
SFDL' s 10-Year Dividend Payout Range
Min: 0.03   Max: 1.6
Current: 0.19

0.03
1.6
Yield on cost (5-Year) 1.80
SFDL's Yield on cost (5-Year) is ranked lower than
115% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.46 vs. SFDL: 1.80 )
SFDL' s 10-Year Yield on cost (5-Year) Range
Min: 0.25   Max: 4.41
Current: 1.8

0.25
4.41
Share Buyback Rate -5.50
SFDL's Share Buyback Rate is ranked lower than
70% of the 915 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. SFDL: -5.50 )
SFDL' s 10-Year Share Buyback Rate Range
Min: 1   Max: -8.7
Current: -5.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
SFDL's Price/Tangible Book is ranked higher than
66% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. SFDL: 0.90 )
SFDL' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 2
Current: 0.9

0.41
2
Price/DCF (Projected) 0.30
SFDL's Price/DCF (Projected) is ranked higher than
82% of the 778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. SFDL: 0.30 )
SFDL' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.6
Current: 0.3

0.2
0.6
Price/Median PS Value 1.00
SFDL's Price/Median PS Value is ranked higher than
54% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SFDL: 1.00 )
SFDL' s 10-Year Price/Median PS Value Range
Min: 0.35   Max: 2.41
Current: 1

0.35
2.41
Price/Peter Lynch Fair Value 1.00
SFDL's Price/Peter Lynch Fair Value is ranked lower than
61% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. SFDL: 1.00 )
SFDL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.61   Max: 2.38
Current: 1

0.61
2.38
Price/Graham Number 0.50
SFDL's Price/Graham Number is ranked higher than
85% of the 1193 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SFDL: 0.50 )
SFDL' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 1.32
Current: 0.5

0.42
1.32
Earnings Yield (Greenblatt) 7.00
SFDL's Earnings Yield (Greenblatt) is ranked lower than
53% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. SFDL: 7.00 )
SFDL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 8.3
Current: 7

1.1
8.3
Forward Rate of Return (Yacktman) 38.67
SFDL's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. SFDL: 38.67 )
SFDL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.7   Max: 39.8
Current: 38.67

-8.7
39.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Security Federal Corp was incorporated under the laws of the State of Delaware in July 1987 for the purpose of becoming the savings and loan holding company for Security Federal Bank. The Company is a one bank holding company. The Company is engaged in accepting deposits from the general public and originating commercial real estate loans, commercial business loans, consumer loans, as well as mortgage loans to buy or refinance one-to-four family residential real estate. The Bank also originates construction loans on single-family residences, multi-family dwellings and projects, and commercial real estate, as well as loans for the acquisition, development and construction of residential subdivisions and commercial projects. In addition, the Bank operates Security Federal Trust and Investments, as a division of the Bank that offers trust, financial planning and financial management services. The Company faces competition both in originating loans and in attracting deposits. Competition in originating loans comes mainly from other thrift institutions, commercial banks, mortgage bankers and credit unions that also make loans in the Bank's market area. The Company is subject to regulation, examination and supervision by the OTS, as its main federal regulator, and the FDIC, as its deposits insurer.
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